TGS

APRIL 23, 2025

TGS Insurance Blog Roof claims have become a significant concern for homeowners and insurers alike, with costs escalating dramatically in recent years. For homeowners, this means staying proactiveregular roof inspections, timely repairs, and understanding your insurance policy are more critical than ever.

Claim

Distinguished

MAY 19, 2025

To stay resilient, restaurant owners need insurance that helps them recover quickly and mitigate financial losses when something goes wrong. This type of insurance is especially valuable for restaurants looking to simplify their coverage without sacrificing protection. What Does a BOP Cover for Restaurant Owners?

Policy

TGS

MAY 6, 2025

TGS Insurance Blog Sajeduil- stock.adobe.com Changing your home insurance when your mortgage includes an escrow account can seem daunting, but it doesnt have to be. At TGS Insurance, were here to simplify the process for you. What Is an Escrow Account in Home Insurance? Why Change Your Home Insurance?

Home Insurance

TGS

MARCH 17, 2025

TGS Insurance Blog Lets be realwhen its time to pick an auto insurance policy, most of us are just hunting for the cheapest option that doesnt leave us totally exposed. So, lets break it down: what exactly is liability only auto insurance, and what risks are you signing up for if you roll with it? Pretty straightforward, right?

Auto Insurance

Zywave

JULY 22, 2025

Learn how connecting your existing tools and data sources with insurance APIs can transform your organization. This report outlines the key elements that insurers need to consider when choosing a stand-alone rating engine. The challenge?

General Liability

TGS

FEBRUARY 14, 2025

TGS Insurance Blog Valuable Articles Insurance: Protect What You Love This Valentine’s Day Roses wilt, chocolates disappear, and even the most extravagant date nights become cherished memories. Thats where valuable articles insurance comes in. What Is Valuable Articles Insurance? Thats something meant to last.

Protection

Zywave

APRIL 11, 2025

In the rapidly evolving insurance industry, APIs are becoming indispensable tools for agencies looking to streamline their workflows, incorporate data, improve efficiency, and deliver superior customer experiences. Zywaves APIs can serve many industries outside of the insurance agency.

Broker-Agent

TGS

APRIL 30, 2025

TGS Insurance Blog Theres nothing like a pool to turn your backyard into a summer paradisebut its not all fun and floaties. Insurance tip: Many policies require a protective barrier like a fence or enclosure. Insurance tip: In a liability claim, your preparedness can make a huge difference. Make sure the gate locks when closed.

Liability

Zywave

JUNE 10, 2025

Learn how connecting your existing tools and data sources with insurance APIs can transform your organization. This report outlines the key elements that insurers need to consider when choosing a stand-alone rating engine. The challenge?

Cyber

TGS

MAY 22, 2025

TGS Insurance Blog The National Oceanic and Atmospheric Administration (NOAA) has released its 2025 Atlantic hurricane season predictions , forecasting an above-normal season. At TGS Insurance , were committed to helping you secure the right coverage to face the season with confidence. Stay safe this hurricane season!

Damage

TGS

FEBRUARY 4, 2025

TGS Insurance Blog Equipment Breakdown Coverage Explained What is Equipment Breakdown Coverage? Simply put, equipment breakdown coverage is an optional endorsement that may be added to certain homeowners insurance policies. What Does Equipment Breakdown Insurance Cover? You try again. Still nothing. Not working.

Home Insurance

Tosten Marketing

FEBRUARY 20, 2025

Search Engine Optimization (SEO) transforms an insurance agency’s online presence. For insurance agencies, SEO leads to sustained organic traffic growth. For insurance agencies, this could mean creating informative articles about different types of coverage or explaining complex insurance terms.

Insurance Agency

Zywave

JUNE 19, 2025

Learn how connecting your existing tools and data sources with insurance APIs can transform your organization. This report outlines the key elements that insurers need to consider when choosing a stand-alone rating engine. The challenge?

General Liability

Simply Insurance

JUNE 13, 2025

Term Life Insurance Term Life Insurance Quotes How Much Is $150,000 In Life Insurance? How Much Is $500,000 In Life Insurance? How Much Is $1 Million In Life Insurance? Life Insurance Rates By State In Jun 2025! How Much Is A $100,000 Life Insurance Policy? How Does Landlord Insurance Work?

Life Insurance

TGS

MAY 21, 2025

TGS Insurance Blog Memorial Day weekend marks the start of summer, with backyards filled with the aroma of sizzling burgers and the buzz of friends and family gathered for a festive BBQ. A fire that damages siding or outdoor furniture could lead to a homeowners insurance claim.

Liability

TGS

APRIL 18, 2025

TGS Insurance Blog As winter melts away and flowers start to bloom, its time to tackle that spring home maintenance checklist. This seasonal refresh isnt just about sprucing things upits also your chance to protect your biggest investment and avoid costly surprises that could lead to an insurance claim.

Home Insurance

TGS

OCTOBER 30, 2024

TGS Insurance » Blog 5 Must-Know Tips for Comparing Home Insurance Quotes Choosing the right home insurance policy can sometimes feel like trying to find the perfect coffee order—it’s a delicate balance between what you need and what works best for your wallet. The same thing happens with insurance. More savings.

Insurance Quotes

TGS

OCTOBER 3, 2023

TGS Insurance » Blog What Is a Homeowners Insurance Quote? A homeowners insurance quote is the proposed amount that you would pay an insurance carrier to cover your home. The quote will be based on many factors, including your home’s age, building features, location and size, as well as your insurance score.

Insurance Quotes

TGS

OCTOBER 17, 2023

TGS Insurance » Blog Captive vs Independent Insurance Agency: What’s the Difference? In order to understand the benefits of using an independent insurance agent, it’s essential to recognize what sets them apart. Insurance agencies can be sorted into two categories: captive and independent.

Insurance Agent

TGS

JANUARY 6, 2025

TGS Insurance Blog Understanding the New North Carolina Minimum Auto Insurance Requirements Effective January 1, 2025 Starting January 1, 2025, North Carolina will implement new minimum auto insurance requirements, marking a significant update to the state’s financial responsibility laws.

Auto Insurance

TGS

DECEMBER 2, 2024

TGS Insurance » Blog Driving Without Insurance in Florida: Penalties You Can’t Afford to Ignore Picture this: You’re cruising along Florida’s sunny highways, windows down, music up, and life feels good. As the dust settles and the adrenaline wears off, you’re asked for proof of insurance—and you don’t have it.

Auto Insurance

TGS

OCTOBER 6, 2023

TGS Insurance » Blog Who to List as a Named Insured on Your Homeowners Policy When your living situation changes, it’s important to make sure your insurance still makes sense. The most common practice is to match the home insurance to the home deed.

Home Insurance

TGS

DECEMBER 13, 2024

TGS Insurance Blog Jewelry Insurance: Protecting More Than Precious Metals Imagine this: Youve just said yes to the perfect engagement ring, inherited a priceless family heirloom, or splurged on that necklace youve admired for years. Thats where jewelry insurance steps in. What is Jewelry Insurance? The hotel safe?

Protection

TGS

NOVEMBER 20, 2024

TGS Insurance » Blog Does Credit Score Affect Home Insurance? A Closer Look If you’ve ever applied for home insurance and wondered why your credit score comes into play, you’re not alone. It’s one of those questions that might catch you off guard—after all, what does borrowing history have to do with insuring your home?

Home Insurance

TGS

SEPTEMBER 22, 2023

TGS Insurance » Blog What is Homeowners Insurance Non Renewal? Receiving the news that you can’t just automatically renew your home insurance policy can be shocking and stressful. There are a number of reasons why an insurance carrier can decide not to offer you a home insurance policy renewal.

Insurance Carrier

TGS

SEPTEMBER 29, 2023

TGS Insurance » Blog What is Electric Vehicle Insurance? Electric vehicles can be complex, but when it comes to auto insurance, they’re surprisingly simple. Auto insurance policies are written in the exact same way for gasoline-powered and electric vehicles alike. Do I Have to Get Tesla Insurance for My Tesla?

Auto Insurance

TGS

NOVEMBER 7, 2024

TGS Insurance » Blog Understanding Agreed Value Auto Insurance: Protecting What Matters Most on the Road When you’re talking about a car that’s more than just a ride—a vintage beauty, a collector’s item, or a custom-built masterpiece—the stakes are different. For many, traditional auto insurance might feel a bit off the mark.

Auto Insurance

TGS

OCTOBER 3, 2024

TGS Insurance » Blog 10 Factors That Affect Homeowners Insurance Premiums in Florida When it comes to homeowners insurance premiums, several factors come into play, and understanding them can be the key to managing your costs. The more risks your area poses, the more your insurance company will charge to protect you.

Premium

TGS

NOVEMBER 7, 2024

TGS Insurance » Blog Understanding Agreed Value Auto Insurance: Protecting What Matters Most on the Road When you’re talking about a car that’s more than just a ride—a vintage beauty, a collector’s item, or a custom-built masterpiece—the stakes are different. For many, traditional auto insurance might feel a bit off the mark.

Auto Insurance

TGS

SEPTEMBER 14, 2023

TGS Insurance » Blog Additional Insured vs. Additional Interest Explained Additional insured and additional interest are two very different roles that a person can play as a part of your insurance policy. In short, an additional insured is covered by your insurance, while an additional interest is not.

Policy

TGS

JANUARY 8, 2025

TGS Insurance Blog What to Expect from a Home Insurance Inspection If you’re in the process of securing a home insurance policy or renewing an existing one, chances are you’ve come across the term home insurance inspection. Well, not quitebut its still an essential step in the insurance process.

Home Insurance

TGS

OCTOBER 28, 2024

TGS Insurance » Blog How to Choose the Right Auto Insurance Deductible When it comes to auto insurance, one of the most important decisions you’ll make is selecting your deductible. Simply put, a deductible is the amount you agree to pay out of pocket before your insurance kicks in after a claim.

Deductible

TGS

SEPTEMBER 11, 2023

TGS Insurance » Blog With hurricane season in full force, South Carolina residents living on the coast must protect their homes from the upcoming storms. Understanding how windstorm insurance works in these areas is the first step in adequately protecting your home. Does South Carolina Require Windstorm Insurance?

Insurer

TGS

SEPTEMBER 6, 2023

TGS Insurance » Blog Do You Need to Tell Your Homeowners Insurance About Home Renovations? When taking on new home renovations, your homeowners insurance policy might not be the first thing on your mind. However, for many home renovation projects, you will need to inform your insurance agent.

Insurance Policy

TGS

NOVEMBER 5, 2024

TGS Insurance » Blog Homeowners Insurance Underwriting Questions: What to Expect When Getting a Quote So, you’re ready to take the plunge into homeowners insurance. Either way, there’s a step that often surprises people when they go to get a quote—the underwriting process. Basic Information: Who, What, Where?

Underwriter

TGS

OCTOBER 10, 2023

TGS Insurance » Blog Requirements for Classic Car Insurance Classic car insurance is designed to protect your unique, vintage cars in storage and on the road. Others verify that you have a separate car (with standard auto insurance ) that you use for your day to day activities, such as your commute. >>

Auto Insurance

TGS

NOVEMBER 27, 2024

TGS Insurance » Blog Affordable Home Safety Improvements to Lower Your Insurance Premiums Owning a home is a dream come true—until those monthly bills remind you of the costs involved. From utilities to maintenance to insurance premiums, it adds up quickly. And you don’t need to spend a fortune to make meaningful improvements.

Premium