With the recent increase in severe weather and wind-related claims, insurance carriers have been raising windstorm deductibles, some reaching 5% or higher. Homeowners in coastal and storm-prone areas could face thousands of dollars in deductible costs before insurance even begins to kick in. Luckily, carriers are introducing wind deductible buyback policies to help bridge that […]
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When your property is damaged, the last thing you want to think about is paying your deductible. Thankfully, you can lower that cost by purchasing a buyback deductible. A deductible buyback policy is one of the most efficient ways to help save money on your deductible and ease the stress of paying out-of-pocket. Key Takeaways […]
Continue Reading...You put in the work to be a safe driver, why not be rewarded for it? Usage-Based Insurance (UBI) is one option drivers can pick that saves them more money the safer and less they drive. Understanding this auto insurance option can help lower your annual premium significantly. Key Takeaways What is Usage-Based Car Insurance? […]
Continue Reading...Living situations can change—whether you’re buying a home with a partner, taking in family, or renting a room. It’s important to make sure your homeowners insurance changes with you. As a homeowner, you may wonder who needs to be listed on your homeowner’s insurance policy. Generally, your home insurance policy should match the home deed. […]
Continue Reading...A rental car company asks you to sign the “collision damage waiver”, CDW, for the car you’re about to rent. But you remember that your credit card covers rental car insurance. Most rewards credit cards provide protection when paying for rental cars. So, does your credit card cover rental car insurance? What Type of Coverage […]
Continue Reading...The National Oceanic and Atmospheric Administration (NOAA) has released its 2026 Atlantic hurricane season predictions, and for the first time since 2015, they predict a below-normal hurricane season. This season may be forecast as less active, but homeowners in hurricane-prone regions should still take steps to protect their homes and families. TGS Insurance is dedicated […]
Continue Reading...Thanksgiving is a day filled with warmth, laughter, and the mouthwatering aroma of roasted turkey — but it’s also one of the most dangerous days of the year for house fires. According to the National Fire Protection Association (NFPA), Thanksgiving ranks as the No. 1 day for home cooking fires, with incidents more than doubling […]
Continue Reading...As the air turns crisp and leaves start piling up, fall brings more than pumpkin spice and football—it’s also nature’s reminder to prepare your home for the colder months ahead. A few proactive maintenance steps now can save you from major headaches (and potential insurance claims) later. Whether it’s a leaky roof, burst pipe, or […]
Continue Reading...COLLEGE STATION, TX, October 16, 2025 – TGS Insurance Agency of Houston, TX, is among the top 100 companies from around the world selected for the 21st annual Aggie 100™, which honors the fastest-growing companies owned or led by former students of Texas A&M University. TGS Insurance Agency was recognized as number 89 with a compound […]
Continue Reading...Mold isn’t just an unpleasant sight or musty smell—it can cause real harm to both your home and your health. Different types of mold can be more hazardous than others, and once it starts growing, it can spread quickly, especially in humid or water-damaged environments. If you’ve ever discovered mold and wondered, “Does my homeowners […]
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