TPG Insurance

Your home insurance doesn’t just cover the structure it should cover what’s inside too.

But here’s a common oversight: There are usually limits on certain categories of belongings.

That means high-value items like:
💍 Jewelry
📸 Cameras
🎻 Instruments
🧳 Luggage
💼 Business equipment
…might not be fully covered unless you increase your limits or protect items separately.

Ask yourself: If something happened, would your policy fully cover what you own? If not, it might be time for a property inventory and a policy update.

Not sure if you need renters insurance?

Here’s some examples of what it typically covers:

👕 Clothes ruined in a fire
🚙 Belongings stolen out of your car
🏨 Hotel and food costs if your rental becomes unlivable
📦 Items lost in a move (depending on the situation)
😬 Lawsuits if someone is hurt in your apartment

And did we mention how affordable it typically is?

Many people are surprised to learn it’s often around $20/month.

If you rent, this small policy offers a big safety net.

Insurance isn't just about what you have it’s about how you live.

That’s why working with a local insurance agent matters.

We understand:
🌪️ What kind of storms hit your area
🏘️ How much homes really cost to rebuild nearby
🚗 What local roads and driving risks look like
🧾 How state laws can impact your policies

More than that, we actually listen to what matters most to you and tailor your coverage to match.

When you work with a local agent, you're not just buying a policy.
You’re building a relationship with someone who’s got your back long-term.

Home insurance does a lot but it doesn’t always cover everything. And knowing what’s excluded can save you major surprises later on.

Here are a few common exclusions:
🚫 Flood damage (that requires separate flood insurance)
🚫 Earthquake damage (often excluded unless added)
🚫 Wear and tear or maintenance issues (like mold or roof leaks from age)
🚫 High-value items beyond standard limits (jewelry, art, collectibles)

The good news? You can often add extra protection through endorsements or additional policies. The key is knowing the gaps before you need to use your coverage.

A conversation with a knowledgeable local agent can help you understand what you’re protected against and what might need a little extra.

When people say they have “full coverage,” they usually mean comprehensive + collision, but that’s only part of the story.

Collision coverage helps repair or replace your vehicle if you’re in a crash.

Comprehensive coverage covers non-collision events like theft, hail, fire, or fallen trees.

Rental reimbursement ensures you’ve got a temporary ride while your car is in the shop after a covered loss.

Emergency roadside service gets you help when you're stranded, flat tires, dead batteries, lockouts, and more.

Together, these coverages make up full coverage. It’s a more complete safety net, and it could save you a lot of time, money, and stress when life throws the unexpected your way.
Your car. Your peace of mind. Make sure it’s fully protected.

When was the last time you looked at your auto liability limits?

Most drivers carry the minimum required by the state, but here's the catch: if you're at fault in an accident and the damage exceeds your policy’s limits, you could be financially responsible for the rest out of your own pocket.

The truth is, state minimums often fall short of the real cost of accidents today. Bumping up your liability coverage doesn’t usually cost much more each month, but it can protect you from thousands or even hundreds of thousands in unexpected expenses.

✨ A small change in your policy could make a big difference in your protection.
Have you checked your limits lately?

Home insurance is designed to protect your most valuable investment but are you insuring the right amount?

One of the most common misunderstandings among homeowners is the difference between market value and replacement cost.

🛑 Market value is what your home could sell for in today’s real estate market.

✅ Replacement cost is what it would take to rebuild your home from the ground up, with today’s construction costs, materials, and labor.

Here’s the issue: If you insure your home based on market value, you may be underinsured if disaster strikes. That could mean out-of-pocket expenses to fully rebuild.

👉 Pro tip: Ask your agent about a replacement cost valuation for your home it’s the key to making sure your coverage matches the real cost of rebuilding.

Did you know bundling your home and auto insurance could save you on premiums?

When you combine policies with one provider, you’re not just saving money you’re also simplifying your coverage.
✅ One contact
✅ Less paperwork
✅ Potential multi-policy discounts

And if you work with a local agent, they can help tailor each policy so both your car and home are properly protected without the guesswork.

Ask about bundling options you might be surprised how much you could save.

Renters insurance is one of the most overlooked types of coverage but it can save you in big ways when the unexpected happens.

Even though you don’t own the building you live in, you do own what's inside it. Your furniture, electronics, clothing, kitchenware, collectibles they all add up quickly. If there’s a fire, theft, or water damage, renters insurance could help you replace those items without draining your savings.

But here’s something most renters don’t realize:

💡 Renters insurance typically includes loss of use coverage which can help cover hotel stays and meals if your place becomes unlivable during repairs.

And the best part? It’s usually very affordable. In most areas, policies start at less than the cost of a couple streaming subscriptions per month.

If you rent, protect what you’ve worked hard to build.
Renters insurance makes a lot of sense and it costs less than you think.

In a world full of comparison sites and online quotes, it’s tempting to think insurance is just about finding the lowest price.

But the truth is insurance isn’t one-size-fits-all.

That’s where a local insurance agent makes all the difference.

We live in the same communities you do. We know the risks specific to your area, from storm patterns to housing trends to local laws. More importantly, we take time to actually explain coverage options so you’re not just picking a number you’re choosing protection that fits your life.

A website might offer you speed.

A local agent offers you insight, strategy, and real human support.

💬 Ask us questions. Tell us your concerns. We’re here to help you build a policy that actually makes sense and keeps you prepared.