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Sunday, May 15, 2016

Confused About Insurance Terms for Your Home Insurance - Here are some definitions

Insurance companies provide coverage for your home and possessions based on either their actual cash value or their replacement cost. Actual cash value home insurance policies provide coverage for what your home is worth at the time of loss. Replacement cost policies will reimburse you for what it would cost to rebuild your home using all of the same materials at today’s prices.

It is important to remember that your home’s replacement cost is not the same as its market value, or how much you could sell it for. A home’s replacement cost for insurance purposes is based on a number of variables that determine what it would cost to rebuild your home with similar materials at today’s costs. The variables that make up your home’s replacement cost will fluctuate over time, so the number is not set in stone. You will need to review your policy at least annually to make sure that your replacement cost figure is keeping up with the times.

How should you determine your home’s proper replacement cost? Your insurance company will likely ask you a series of questions about your home and your responses will be plugged into a model that determines its replacement cost. Your job is to have some idea of whether or not the figure is accurate so you can be assured that your home is properly protected or that you are not over-insured. Consider talking to some home builders in your area as well as visiting some home improvement stores to help figure out what it would cost to replace your home’s interior and exterior finishes (including labor) at today’s prices. Together we can make sure that your home is properly insured and its replacement cost is accurate.

Don’t forget to evaluate your personal property coverage as well. Personal property coverage in a homeowners insurance policy typically starts out at a percentage of your home’s dwelling coverage, but if you feel you need more coverage because of certain valuable items, don’t be afraid to increase your personal property coverage limit or add special riders or endorsements to protect your valuables. Preparing a home inventory is extremely helpful in determining if you have sufficient coverage for the contents of your home.

Once you have settled on a replacement cost figure, remember that it will need to be re-evaluated every year to account for changes in building materials and labor as they fluctuate over time. We will work closely with you to determine the replacement cost of your home and belongings, and we can help you with auto insurance, personal umbrella insurance and any other personal insurance needs that you may have.

Have you reviewed your homeowners insurance policy lately? Are you satisfied that your replacement cost figure is accurate? Do you need to upgrade your actual cash value policy to a replacement cost policy?


Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

We are your LOCAL
Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.


Insurance is stressful, but we make saving easy.  We help you save money on insurance!

#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Saturday, April 30, 2016

What Insurance Do You Need In Your 20's?

Life moves quickly... you wake up and you are out on your own.  You are making your own decisions and embracing life.  You have a new job and are making major purchase decisions.  Do you need insurance for your protection?  Maybe yes, and maybe no --- here are some things you need to know to make an informed decision, courtesy of www.InsureUonline.org. 

Buying a New Car?  You will definitely need insurance, but the rate varies based on the make and model of vehicle.  Before you make your final decision, check with your Trusted Choice agent to find out which of your favorite models is the least expensive to insure.  Also ask about discounts and credits you can apply to your policy for good grades, safe driving record, and more.

Getting a New Apartment?  Insurance is highly recommended and is very inexpensive.  Liability coverage will protect you from property damage or injuries if something bad happens on your property.  Contents coverage protects your furniture and electronics in the event of a fire or theft.  Check with your Trusted Choice Agent for options.

Hunting For A New Job?  At every age, health insurance is highly recommended.  The cost is less when you are young, and will protect you in the event of an unfortunate accident.  Ask your employer what is offered, and take advantage of wellness programs.  If your employer does not provide the coverage, discuss with your Trusted Insurance Advisor.

Walking Down the Aisle?  Many things change when you combine households.  Combining auto policies may even save you money.  You will want to be sure that your new beautiful ring is covered too!

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.


Insurance is stressful, but we make saving easy.  We help you save money on insurance!
#trustedchoice #southgroup
#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Tuesday, April 26, 2016

Repetitive Loss properties and the National Flood Insurance Program



 

Repetitive loss property is any insurable building for which two or more claims of more than $1,000 were paid by the National Flood Insurance Program (NFIP) within any rolling ten-year period. Currently there are over 122,000 RL properties nationwide.

 

Repetitive losses are the biggest drain on the FEMA Insurance program. FEMA has paid billions of dollars in claims for RL properties.  RL properties not only increase the NFIP’s annual losses and the need for borrowing; but they drain funds needed to prepare for catastrophic events. 

 

Community leaders and residents are also concerned with the RL problem because residents' lives are disrupted and may be threatened by the continual flooding.

 

The primary objective of the RL properties strategy is to eliminate or reduce the damage to property and the disruption to life caused by repeated flooding of the same properties.

 

Over the years, there have been a number of efforts aimed at addressing repetitive losses.  Federal, State and local flood control and storm-water management projects have been aimed at reducing the risks.  The FEMA post-disaster Hazard Mitigation Grant Program (HMGP) projects have mitigated nearly 3,000 RL properties.  In 1994, the National Flood Insurance Reform Act authorized the Flood Mitigation Assistance (FMA) Program and a new insurance coverage called Increased Cost of Compliance, or “ICC.” 

 

The Special Direct Facility (SDF) was established in an effort to closely supervise the issuance of policies and the claims process for NFIP policies in force on TGRL properties.  NFIP policies on Target Group properties are rated and adjusted in the same manner as non-Target Group policies but are monitored at the SDF. 

 

Flood insurance premiums will not increase merely because a property is on the RL list.  However, if an offer to mitigate is made and the owner refuses the offer, the premium will increase 150 percent of the chargeable rate for the property at the time that the offer was made, as adjusted by any other premium adjustments otherwise applicable to the property.  Increases may continue with each claim but will not exceed the actuarial rate for the property. 

 

When documentation is received that verifies acceptable mitigation of an RL structure the record, the record becomes a mitigated RL property and, although it remains as part of the historical record, it is no longer considered a repetitive loss property.  It will no longer be required to be insured at the SDF, and the policy then will be transferred from the SDF to the WYO Company that previously serviced the policy.

 

Depending on individual circumstances, appropriate mitigation measures commonly include:

        -elevating buildings above the level of the base flood,

        -demolishing buildings,

        -removing buildings from the Special Flood Hazard Area (SFHA) as part of a flood control project,

        -local drainage-improvement project that meets NFIP standards and removes a property or properties from RL or RLTG status.

 

Mitigation is the cornerstone of emergency management. It is the ongoing effort to lessen the impact disasters have on people and property.  FEMA currently has three mitigation grant programs: the Hazards Mitigation Grant Program (HGMP), the Pre-Disaster Mitigation program (PDM), and the Flood Mitigation Assistance (FMA) program.  Detailed information on these three programs and other related programs is available on the internet at

 

Increased Cost of Compliance (ICC) funds for substantially damaged structures covered by flood insurance can also be used to mitigate RL structures.  More
information on ICC is available at http://www.fema.gov/nfip/icc.shtm



Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast, wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations! 

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast 
 
http://www.southgroupgulfcoast.com ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.


Insurance is stressful, but we make saving easy.  We help you save money on insurance!
#trustedchoice #southgroup
#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Friday, April 15, 2016

Starting a New Business? Insurance Tips for You!

Blood, sweat, and tears go into a new business startup.  You have enough to worry about with establishing your corporate structure, your accounting system, your location, your office layout, your stock, your inventory, and more --- but you also need to protect your investment -- and you need HELP!

This is where a good Trusted Choice Insurance Adviser comes in (www.southgroupgulfcoast.com).  Your Independent Insurance Agent will conduct a through Risk Assessment and will offer suggestions for mitigating or eliminating your risks.  If the risks cannot be eliminated, your Trusted Adviser will provide you with options to insure your exposure.

Forbes (www.forbes.com) provided a good outline of some coverages you will want to consider for protecting your assets and your investment.

1) General Liability Insurance - provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party
2) Property Insurance -  provides building, and business personal property, including office equipment, computers, inventory or tools protection from fire, vandalism, theft, smoke damage etc.  You may also want to consider business interruption/loss of earnings insurance coverage to protect your earnings if the business is unable to operate.
3) Business Owner's Policy - Often, BOP’s will include business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance- and you can tailor it to your specific needs.
4) Commercial Auto Insurance - protects a company’s vehicles and vehicles that carry employees, products or equipment.
5) Worker's Compensation -  provides wage replacement and medical benefits payments to employees who are injured on the job.
6) Professional Liability Insurance -  provides defense and damages for failure to or improperly rendering professional services, and is critical for any professionals such as lawyers, accountants, consultants, agents, and any profession providing services.
7) Directors and Officers Insurance - protects the directors and officers of a company against their actions that affect the profitability or operations of the company.
8) Data Breach Coverage -  provides protection in the event of data loss of sensitive or non-public information and all of the compliance requirements and legal action necessary following a breach.
9) Homeowner's Insurance - protect against damage to your home and against damage to items inside the home, and protects you for accidents for which you are deemed personally liable.
10) Renter's Insurance - protects against damage to the physical property, contents of the property, and personal injury within the rented dwelling.
11) Life Insurance - provides funds to your family or beneficiary in the event of your death.
12) Personal Automobile Insurance - protects against both physical damage and bodily injury resulting from a crash, and also any liability that might rise from the collision.
13) Personal Umbrella Insurance -  an extension to an already existing insurance policy and covers beyond the regular policies.

Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations! 

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast 
 http://www.southgroupgulfcoast.com ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.


Insurance is stressful, but we make saving easy.  We help you save money on insurance!
#trustedchoice #southgroup
#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Monday, March 14, 2016

Anywhere it rains - It can flood - Get your flood insurance NOW!!!

1)      The cost of a flood is STAGGERING!  Use the interactive tool at floodsmart.gov  to calculate your potential loss based on the size of your home --- a 6” flood in a 2,000 sq ft home will cost over $39,000 in repairs!  Ouch!

2)      Everyone is in a flood zone.  Everywhere it rains, it can flood … not to mention hurricanes, thunderstorms, flash floods, mudflows, snow melt, and other extreme weather.

3)      Floods are the #1 natural disaster in the United States  L

4)      Check with your agent on “grandfathering” if you are in an area where the flood maps have been updated.  You may be eligible for a “PRP Extension” which will lower your rate, but be aware, because the Extension is only for 2 years, then the cost of your coverage will increase again.

5)      Use the interactive tool at floodsmart.gov to understand more about the risk where you live.
AND don't forget that there is a 30 day waiting period for a new flood policy to become effective (unless your coverage is associated with a loan closing).

In May 2016, the option to use a "grandfathered" zone will end for the Mississippi Gulf Coast.  There is very little time remaining to obtain a policy.  If you plan to sell your home, you will want to secure a grandfathered policy to have the ability to transfer to a future owner and save them thousands!

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.

Insurance is stressful, but we make saving easy.  We help you save money on insurance!
#trustedchoice #southgroup
#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Monday, February 29, 2016

Save save save!! Don't overpay for Auto insurance!

A CPI study completed reflected an 11% increase in auto rates over the past year.  Nebraska (+20%) and Idaho (+15%) led the nation's increase, while Montana (-16%) and several southern states, Mississippi (-5%), Louisiana (-6%), and Georgia (-7%) actually benefitted from lower rates.

If you have had the same insurance company for more than 3 years, it is way past time to shop your coverage with a Trusted Choice agent and have them review your coverages.

An article on About.com Top Ways to Turn Your Current Car Insurance Into Cheap Insurance recommends the following ways to lower your insurance cost:
- Add theft devices and/or window sketching
- Combine all vehicles in the household on one policy to obtain multi-car discounts
- Look for carriers offering 12-month policy (instead of 6 months)
- Check your mileage carefully.  Many policies offer discounts for vehicles with low annual mileage.
- Increase deductibles on comprehensive and collision coverage (if you have a loan, you will need to verify that your lienholder will allow the higher deductible)
- Take Defensive Driving classes for a policy credit
- Combine policies with the same provider (auto and home, or auto and rental).  The discounts can be significant.
- Watch your credit rating which could impact your rate.  If your credit is a problem, you may wish to seek a carrier who does not check credit, although there are very few.
- Purchase an "insurance friendly vehicle" (i.e. Avoid sports cars and luxury vehicles and vehicles with a high theft history.  Select vehicles that have low repair costs)

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.

Insurance is stressful, but we make saving easy.  We help you save money on insurance!

#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel #savemoney #trustedchoice #southgroup

Monday, February 15, 2016

Top 10 Things You Should Tell Your Insurance Agent

Our lives have never been busier than in these modern times.  Sometimes it feels our work is never done.  Even after work, we find ourselves checking emails and making phone calls while still tending to our own household needs.  Sometimes, in the midst of change, it's easy to forget the little things like contacting your  Trusted Choice insurance agent about household changes.  You may not even realize how these changes can benefit your insurance policies with discounts and premium changes. 

Here are the 10 life changes your insurance agent should know about and why:

1. A member of your household moves out of your home
A household member who establishes permanent residence away from your home needs his or her own policy. The members of your household sometimes affect your liability insurance premiums based on their age, status, employment and more. If your child is temporarily residing at a school residence, your homeowner's policy normally insures your child's belongings, subject to the terms in your policy. However, if your children are residing permanently away from home, they will need their own policies.  Should a household member be deceased, you should update the named insured on your policies with proper documentation such as the death certificate and copies of revised legal documents showing ownership changes.

2. Someone unrelated to you moves into your home
Tell your insurance agent immediately if someone unrelated to you moves into your home. It is very important that you discuss the situation to determine how the insurance needs of the new resident will be met. If a new resident of your household is renting from you, he or she should purchase their own renters or tenant insurance policy. In other situations, such as residents of your household who are under age 21 and in your care, or in the care of your resident relatives, coverage may be provided assuming that underwriting requirements are met and that an application for insurance is signed. Be sure to review your policy with your agent to verify that your policy coverage is current.

3. You change your name and/or your marital status changes
If you change your name, you need to tell your insurance agent immediately so you are correctly and accurately listed as a covered person on your policy. Name differences are particularly an issue in the event of claim payments. Advise your insurance agent immediately to update named insured information on your policy and to include your spouse if recently married.  Your agent will also review your policy with this new information to make sure your policy information and coverage are up to date.

4. You have made electrical updates or other updates to your home
If you have an older home and have recently updated your electrical service, breakers etc... This could mean savings for you in insurance premium. This is also often true for plumbing, roofing and other updates that you may overlook. Mitigation updates such as additional wind or flood protection may also provide you with insurance premium savings.  Let your Trusted Choice agent know!

5. You purchase a boat or some other toy
Most homeowner policies provide limited coverage for small watercraft, such as a canoe or kayak, and related equipment such as trailers, accessories and some small outboard motors, but the best way to be certain your boat is insured properly is with a separate boat owner's policy, particularly for larger or more powerful boats. Toys like four wheelers and motorcycles and snow mobiles and recreational vehicles  and classic cars are big investments that need to be insured.  Check with your agent!

6. You rent your home to others
Advise your Trusted Choice agent immediately if you rent your home to others. A review of your insurance needs will be conducted to determine that the correct policy is provided to cover your home. Your renter will need their own renter’s or tenant occupancy insurance. Failure to advise your insurer of residency changes can result in voiding of insurance contracts. Short term rentals may require a commercial insurance policy for your protection.

7. You accumulate a lot of personal property
When you take into account furniture, clothes, personal electronics (TV, stereo, etc.) and appliances, you probably have more personal property than you realize! When you apply for coverage, take a complete inventory of your possessions to determine what you have and what it would cost to replace them. Whenever possible, include the approximate replacement cost of each item.  Use your smart phone to record a video inventory!

8. You work at home
If you have a home-based business, you may require additional insurance. You can change many homeowner, condo or renter's policy to include limited business or professional coverages.
Examples include:
•    Coverage for business or professional offices
•    Child care businesses in the home
•    Private schools or studios for music, dance, photography and other instructional purposes
•    Small service-oriented businesses, such as barber shops, beauty shops, tailors, dressmakers or shoe repair shops using handwork only
•    Property that provides merchandise storage

In some cases, a separate business insurance policy will be necessary. Your Trusted Choice Agent can advise you what you need for your protection.

9. You've renovated your home
If you've recently added square footage, decks, porches, workshops, swimming pools or any type of change that increases the value of your home, you should inform your insurer immediately. 

10. You are planning a major celebration
Many home policies provide liability coverage, but if you are planning a huge gathering such as a wedding or class reunion at your home, check with your Trusted Choice agent on liability options to provide you broader protection, particularly if you will be serving alcohol.

-------------------------------------------
Failure to update your insurance policy's home description can result in void of contract and/or unpaid claims, or other problems at the time of a claim.

Remember, these are just 10 reasons, but it is always best to check with your agent any time you make a change to your household just to be sure.  We also recommend that you regularly inventory your property to make sure you have enough coverage in the event of a total loss.  For a full insurance review, stop by one of our 3 convenient locations.  No appointment necessary, and we are always eager to assist.

Your Trusted Choice Insurance Agent stands ready to assist you. We help you through the maze of insurance coverages, carriers, and premiums, and we find the best personal and business coverage for you at affordable rates. We help you save money on insurance --- and we save you time!  And remember, when it comes to insurance, one size does not fit all.

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.

Insurance is stressful, but we make saving easy.  We help you save money on insurance!

#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel #savemoney #trustedchoice