Simply Insurance

JUNE 3, 2025

What Is A Home Insurance Deductible? Think of a deductible as the amount of money you have to pay before your home insurance company will come in and cover their part. Whenever you file a homeowners insurance claim, you will be responsible for the deductible related to the claim. How To Choose Your Deductible?

Deductible

Simply Insurance

JUNE 17, 2025

GET A LONG TERM CARE INSURANCE QUOTE! How Does Long Term Care Insurance Work? Long term care insurance works by providing financial assistance for long-term care services. When you purchase a policy, you pay premiums to the insurance company. What Is The Average Cost Of Long Term Care Insurance In The Us?

Insurance Quotes

Triple-I: Homeowners Insurance

MAY 2, 2025

homeowners insurance claims, but more than 76 percent of U.S. property claim lawsuits, pushing premium rates up to three times the national average. Post-reform, in 2024, 40 percent of all insurers in the state filed for rate decreases, with average home insurance premiums down 5.6

Premium

Triple-I: Homeowners Insurance

JUNE 3, 2025

During National Roof Awareness Week (June 1-7), we spotlight the critical role roofs play in protecting homes, businesses, and communities from severe weather ( see infographic ) and why building stronger, smarter roofs today is essential for reducing damage and insurance claims tomorrow.

Damage

Simply Insurance

JUNE 5, 2025

Some of the optional riders available are: Waiver Of Premium Rider - If you become totally disabled as a result of a qualifying event, premiums are waived (after a 180 day waiting period). Waiver Of Premium Rider - If you become totally disabled as a result of a qualifying event, premiums are waived (after a 180 day waiting period).

Life Insurance

Simply Insurance

JUNE 18, 2025

You can get burial insurance coverage within minutes of getting your quotes and applying. GET A BURIAL INSURANCE QUOTE! How Does Burial Insurance Work? Burial insurance works similarly to other types of life insurance. Generally, premiums are affordable, making it an attractive option for those on a budget.

Life Insurance

Simply Insurance

JUNE 7, 2025

They have two options: 10 Pay - Ten pay whole life insurance allows you pay off your whole life insurance within 10 years. Once the premium payments are done you never have to make another one. This option is still much more expensive than term life insurance. month Level Premium Term $21.32/month month OPTerm $21.44/month

Life Insurance

Simply Insurance

JULY 6, 2025

Waiver Of Premium Rider - If you become totally disabled as a result of a qualifying event, premiums are waived for a fixed period of time. Unemployment Waiver of Premium Rider - If you become unemployed, you will not have to pay premiums for up to 6 months (after a 4 week waiting period). month Level Premium Term $21.32/month

Life Insurance

Simply Insurance

JUNE 18, 2025

If you are wondering, how does whole life insurance work, then you need to read this post. Learn about premiums, cash value, and much more. Unlike term life insurance, which only covers a specific period, whole life insurance offers a death benefit and a savings component known as cash value. What Is Whole Life Insurance?

Life Insurance

Simply Insurance

JUNE 7, 2025

Universal Life Policy The Universal life policy provides permanent coverage but has the flexibility to raise or lower premiums and coverage options to accommodate your changing needs. It usually considered as an alternative to term life insurance and more affordable than whole life insurance.

Life Insurance

Simply Insurance

JUNE 15, 2025

When you need to file a claim, use these steps: Obtain the death certificate: You may need more than one copy of the death certificate, so get several from the funeral director. Call the insurance company or agent: An insurance agent can help you complete the necessary forms for filing a life insurance claim.

Life Insurance

Simply Insurance

JUNE 19, 2025

This type of policy is ideal for individuals who might have difficulty qualifying for traditional life insurance due to health issues. However, it often comes with higher premiums and lower coverage limits compared to other types of life insurance. THE SIMPLY INSURANCE WAY No Exam Life Insurance made easy.

Life Insurance

Insurance Journal

NOVEMBER 4, 2024

North Carolina Insurance Commissioner Mike Causey is reminding property insurers to refrain from raising homeowners’ premiums just because an insured filed a claim or inquiry in order to qualify for flood insurance indemnity or federal assistance. In most cases, the …

Premium

Agency Height

APRIL 9, 2025

Does my home insurance premium increase if a homeowner's insurance claim is rejected?Learn Learn more about factors affecting your insurance

Home Insurance

Shield Insurance Agency

AUGUST 20, 2024

Shield Insurance Blog | Small Insurance Claims | Contact Our Sales Team! Small Insurance Claims Can Raise Premiums Small insurance claims, such as those for minor property damage, may seem like a hassle to deal with.

Insurance Claim

Triple-I: Homeowners Insurance

MARCH 4, 2025

Floridas legislative reforms to address claim fraud and legal system abuse are stabilizing the states property/casualty insurance market, according to the latest Triple-I Issues Brief. In addition, the brief says, the number of insurers writing business in the state has rebounded after a multi-year exodus.

Premium

Freeway Insurance

OCTOBER 8, 2023

Understanding how much car insurance claims typically cost involves taking a look at the complicated world of car insurance, where many things can affect the numbers. Freeway Insurance is a company well known for making sure that drivers across the United States have good insurance coverage.

Auto Insurance

TGS

OCTOBER 25, 2024

TGS Insurance » Blog Top Reasons Your Home Insurance Premium Might Increase [2024] Owning a home is often a dream come true, but when that dreaded notice arrives in the mail—informing you that your home insurance premium has gone up—it can feel more like a nightmare.

Home Insurance

TGS

NOVEMBER 12, 2024

TGS Insurance » Blog Unlocking a Smart Home Insurance Discount: How Your Gadgets Can Lower Your Premiums If you’ve recently dipped a toe into the world of smart home technology, you’re likely familiar with the benefits of convenience. Wrapping Up: Is a Smart Home Insurance Discount Worth It? In short, yes!

Home Insurance

Triple-I: Homeowners Insurance

MAY 8, 2024

Insurers also benefited from a relatively mild 2023 Atlantic hurricane season and a meaningful increase in investment income, posting a net profit for the first time in seven years. One factor keeping upward pressure on rates is fraud and legal system abuse. With only 15 percent of U.S.

Premium

Boyle Agency Insurance

APRIL 27, 2024

Determinants Of Homeowners Insurance Premiums Certain factors have an effect on your homeowners insurance premium. These factors make filing a claim more likely, and they range from the condition of your home to your financial standing. Below we offer some factors that may affect NJ Homeowners Insurance premiums.

Premium

Freeway Insurance

JANUARY 3, 2025

Senate Bill 1107 , which increases minimum insurance requirements, is expected to further drive up premiums statewide. This latest change could disproportionately affect communities where insurance costs already strain household budgets. As these expenses climb, insurers pass them on to drivers through higher premiums.

Auto Insurance

Triple-I: Homeowners Insurance

JANUARY 13, 2025

Only 30 percent are aware of premium savings for implementing mitigation measures. Seventy percent revealed they would be willing to pay higher premiums for better protection against future severe weather events. Fifty-four percent reported hiring public adjusters to handle repairs and insurance claims.

Policyholder

American Agents Alliance

FEBRUARY 7, 2025

This trend describes the phenomenon of unexpected rising insurance claim costs because of societal trends and views toward litigation. Unforeseen litigation costs can drive up the costs of claims unexpectedly and policyholders may feel they were not advised of their coverage adequately.

Broker-Agent

Property Insurance Centre

SEPTEMBER 25, 2024

This might seem like an advantage since this saves cost initially, though it might lead to high premium costs later on. Define the maximum amount that you are willing to spend additional in the case of a claim. For example, you may be able to purchase legal expenses cover or rent guarantee insurance to protect your rental income.

Building

Mark Jackson Insurance Agency

JULY 23, 2024

Reducing Accidents and Insurance Claims The insights provided by telematics can directly contribute to a reduction in accidents and related insurance claims. Consequently, a decrease in accidents not only enhances safety, but can also lead to lower commercial auto insurance premiums, benefiting your bottom line.

Commercial

Triple-I: Business Insurance

AUGUST 11, 2022

The property & casualty insurance industry’s combined ratio – an indicator of underwriting profitability – is forecast at 100.7 Combined ratio represents the difference between claims and expenses paid and premiums collected by insurers. We forecast 2022 P&C premium growth of 8.5 for 2022, up 1.2

Underwriting

Property Insurance Centre

JANUARY 4, 2024

Get a Quote Insurance under one roof We are specialists in many types of insurance GET YOUR QUOTE GET YOUR QUOTE Key Takeaways Consistent rate increases have been experienced in the property insurance market since 2017. Inflation drives up property valuations , construction costs , and insurance premiums.

Property Insurance

Risk Management Monitor

NOVEMBER 8, 2021

One of the first steps in obtaining commercial property insurance is to determine the value of the property being insured. The reported property value will drive premium amounts and, importantly, represents the property loss exposure.

Commercial Property

Property Insurance Centre

JANUARY 30, 2024

Key aspects to consider when buying buildings insurance include reviewing the policy’s exclusions , understanding excesses , comparing premiums, and evaluating the level of customer service provided by the insurer. Accurately determine the rebuild cost of the property and disclose any claims history.

Building

Freeway Insurance

DECEMBER 17, 2024

To limit the impact of harsh, freezing temperatures and blustering blizzards, its important to understand some basic snow home maintenance to avoid having to make a costly homeowners insurance claim. Snow home insurance claims can range from falling debris to roof damage, so youll need to cover all your bases.

Home Insurance

Property Insurance Centre

JANUARY 16, 2025

From the catastrophic floods in Carlisle in 2005 to the more recent deluge in London in 2021, businesses in flood-prone areas have faced disruption, financial losses, and complex insurance claims. This article explores the intricacies of commercial flood insurance in the UK, highlighting regional variations, challenges, and solutions.

Commercial

TGS

NOVEMBER 1, 2024

Plus, having a police report on file can help you later when dealing with insurance claims. A police report can be an invaluable piece of documentation when sorting out insurance claims or liability issues later. Keep all medical records and receipts in case you need them for an insurance claim.

Injury

Triple-I: Homeowners Insurance

APRIL 5, 2024

Installation of a wind-rated garage door and storm shutters also boost a home’s resilience to a hurricane’s damaging winds and may generate savings on a homeowner’s insurance premium. How to Prepare for Hurricane Season How to File a Flood Insurance Claim Is Your Business Ready for Peak Hurricane Season?

Damage

TGS

NOVEMBER 5, 2024

Imagine it this way: an insurance provider wants to know that you’ve taken steps to prevent the kinds of accidents that lead to claims. From deadbolts to sprinkler systems, these features can make a difference in your premium. Insurers are going to take a peek into the past here. What were the reasons behind those claims?

Underwriting

Shield Insurance Agency

APRIL 19, 2024

Broad form collision coverage may be a better option for those who want more comprehensive protection and are willing to pay a higher premium for it. Be sure to review your insurance policy and speak with your insurance agent to ensure you have the coverage that best suits your needs.

Auto Insurance

Maritime Insurance International

JUNE 5, 2020

Boat insurance costs can vary. There are a range of factors that may impact the premium you will pay for your policy. Bundle discounts may be available when purchasing multiple lines of insurance through the same provider. Zero Claims. Driving Record. Some providers may even provide a discount for a good driving record.

Insurance Policy