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Sunday, July 31, 2016

The Winds Are A Blowin --- It's Peak Hurricane Season Again!

You know the drill!  Time to be ready for possible catastrophic weather ... what YOU need to do and know NOW!

1) Flood damage from hurricanes is NOT covered by your home or fire property insurance policy on your residence or business. Even if you are not in a designated flood zone, flood insurance is recommended. You MUST have a separate FLOOD insurance policy through the National Flood Insurance Program. There is a 30-DAY WAITING PERIOD before a new flood policy will become effective. Call or come by our office TODAY 228-385-1177 to get your flood policy!

2) Have a summary of your insurance policies with you if you must evacuate. NOW IS THE TIME to review your coverage levels on each policy (home, wind, flood, auto, etc) and your mortgage holders to ensure that your coverage is adequate and that all information is correct on your policy. Be sure you know your carrier's name and policy number for all of your policies. You may contact us (email: info@southgroupgulfcoast.com , phone: 228-466-4498, fax: 888-415-8922) if you need policy information or if you need any changes to your policy.

3) Home and business preparations:
* Remove yard debris, like dead tree limbs, that could become flying missiles
* Have a safe place to park your cars or store your boat
* Back-up computer records and store them at least 50 miles off-site
* Gather important papers, including inventory lists and insurance information, to take with you if you must evacuate (keep valuable papers in a WATERPROOF container)
* Take pictures or video your possessions to assist in documenting

4) If you evacuate, email us info@southgroupgulfcoast.com with your contact information (address and phone number), so that we will be able to assist you more quickly if you have a claim.

5) If a hurricane strikes our area, MAKE PERSONAL SAFETY YOUR FIRST PRIORITY! (Beware of dangling electrical wires, broken gas lines, etc.)

6) If you have hurricane damage, report it to us as soon as possible - call 228-466-4498 or email: info@southgroupgulfcoast.com or fax 888-415-8922 or online through our 24/7 CLIENT SERVICE PORTAL. You may also report your claim directly to the appropriate carrier (phone numbers will be available at www.southgroupgulfcoast.com). Recognize that communication lines may be impaired, but keep trying!

7) Following a storm, make temporary repairs and take pictures of all damage. Don't throw away any damaged valuables until an adjuster has personally seen and documented them.

8) Thoroughly document your damage by listing damaged/destroyed items along with estimated values to provide to your adjuster. Take pictures if possible.

9) Your adjuster will discuss with you which damages are covered under your policy. Make a note of your adjuster's name and number, as well as the claim number you will be assigned. You will be assigned a different adjuster for each policy that you have. Keep in touch with your adjuster(s), at least weekly, until your claim is settled.

10) Contact SouthGroup Insurance (email: info@southgroupgulfcoast.com , phone: 228-466-4498, fax: 888-415-8922) with any questions you may have. May God bless us all during this hurricane season.

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 #savemoney @progressive

Friday, July 15, 2016

The SECRET to saving money on your new car and your insurance

Ummmmm - the smell of a new car!  The clean seats, the heated steering wheel, the spacious back seat!  We all love to get a new car!  We are so happy when we drive it off of the lot -  But then comes the "hidden costs" - insurance, parts, maintenance, gas, more.

Here are the TOP WAYS TO SAVE WHEN YOU BUY A CAR:
+ Compare the cost of insurance for the vehicles you are considering to buy
+ Consider a car that is not frequently stolen, check with the National Highway Traffic Safety Administration
+ Choose a type that has less documented claims, like these:

·  Buick Rendezvous
·  Pontiac Solstice
·  Buick Terraza
·  Honda Odyssey
·  Mazda MX-5 Miata
·  Subaru Outback
·  Ford Five Hundred
·  Volvo V70
·  Chrysler Town & Country
·  Chevrolet Corvette Convertible
 
+ Check out a hybrid - many insurance carriers provide discounts for hybrids
+ Look at cars with lower repair costs, check with Consumer Reports
+ Buy a vehicle with automatic daytime running lights that make you easier to see on the road

Your Trusted Choice Insurance Advisor can help you SAVE MONEY ON INSURANCE! 

TOP WAYS TO SAVE WHEN YOU BUY AUTO INSURANCE:
+ Check with your local Trusted Choice agent (www.southgroupgulfcoast.com) for multiple quotes
+ Bundle home and auto with the same insurance company for added savings
+ Pay for the full policy term instead of monthly installments to save
+ Save your insurance for big claims - take care of the little things yourself so you have less "dings" on your record from turning in a number of small dollar claims
+ Bump up comprehensive and collision deductibles
+ Review your coverage to be certain you have the correct vehicles and drivers listed

TOP WAYS TO KEEP ON SAVING
+ Most insurance companies provide "good driver discounts" and "good student discounts"
+ Ask about "senior discounts" and credits for taking driver safety courses
+ Check into military and teacher discounts
+ Many companies are now offering "diminishing deductibles"
+ Continue being a safe driver with a good driving record
+ If you drive less, let your agent know so you can receive credit for a low mileage vehicle
+ Improve your credit record
+ Use the driver monitoring devices; they are not as creepy as they seem, and you use them for about 30 days and then take them out and send them back --- and you can save a bunch on your insurance!!

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 #savemoney

Thursday, June 30, 2016

An umbrella policy is just what you need --- for a rainy day!

Have you ever wondered if you should buy an umbrella policy?  Do you have assets?  children? a business? a car?  If so, an inexpensive umbrella may be the best purchase you ever make.
 A good home and auto insurance policy will provide you with a reasonable amount of liability protection which will provide you with litigation support up to your policy limits.  How much liability coverage do you need, you may ask?  You need enough coverage to cover your assets!  So spend a few minutes thinking about all that you have --- and how much it would cost you to replace if you lose it all.  If you own  a home, you should be carrying AT LEAST $300,000 liability coverage. 

So if your home and auto have a reasonable amount of liability coverage, why would you want an umbrella?  The umbrella protects you from that really bad lawsuit, the one where you are responsible for a tragic accident with extensive injuries or even a fatality, and you are sued for $1 million.  If you are sued and exhaust your policy limits on medical bills and property repairs and legal fees, all of your assets are at risk.  An umbrella insurance policy may save you from financial ruin.


A $1million umbrella policy will add to your liability limits and costs very little -- usually under $150-200/yr.


There may be some limitations to the coverage, so be sure you ask the questions before you make your purchase.  Check for coverage related to libel or slander or social media exposures.  Check if the policy extends to your child's college apartment or for a wild party at your home while you are out of town.  Verify that your policy will cover your rented vehicles and punitive damages. 


Your Trusted Choice agent will spend time with you and explain what your policy really covers. Insurance is a complex contract and NOT something you can buy “in a box”, even though advertisers try to convince you to believe this.


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@southgroupgulfcoast.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