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Thursday, June 23, 2016

Don’t pay your flood insurance renewal payments late! or you will pay THOUSANDS more!!!

FEMA has changed the rules again!  And this time, a forgotten payment could really be a disaster!

As of April 1, 2016, the Homeowners Affordability Act (HFIAA) requires the NFIP to track and apply rating changes to certain flood policies that lapse.

The Moral of the Story - DON'T LET YOUR FLOOD INSURANCE POLICY LAPSE!!

The Short Version -
a) Flood gives you a 30 day grace period for payment, if you pay, your policy is in good shape.
b) If your payment is late between 30 and 90 days, you can get your policy reinstated (only one late pay allowed during the life of your policy!)
c) If payment received over 90 days past due, or you pay late for the second time, you lose your policy and have to start over --- the rates may be THOUSANDS higher :(

The Long Version -
A lapse is defined as:
1) Premium paid after the policy's 30 day grace period ends, but is paid within the 90 days of the policy's expiration (effective) date.
*this first offense forgiven, but not forgotten
 OR
2) Premium paid after 90 days past the policy's expiration (effective) date.

Payment made within the 30 day grace period is not a lapse.  However, payment made after the grace period expires will trigger the Lapse rule to become active, and the following outcomes applied:

Policy  A  Premium Due Date Premium paid within 30 days (the grace period)
                 No Lapse Policy keeps the same rating criteria and effective date
Policy  B  Premium Due Date Premium paid after 30- day grace period BUT within 90 days of the policy expiration date
                First Lapse occurs- No change in rating, but policy is flagged and lapse is reported to the
                        NFIP
                 Policy will renew and the effective date will be  30 days from the date the renewal
                        premium is received.
Policy  B  Premium Due Date Premium paid after 30 day grace period BUT within 90 days of the policy expiration date Second  Lapse occurs (anytime during the life of the policy)
                 Policy is re-rated   Policy will not renew.  A new policy will be issued and the effective date will be 30 days from the date the premium and, in some cases a new application may be required, is received (see below).

Policy  C  Premium Due Date Premium paid after 90 days or more from the policy expiration date Policy fully Lapsed -noted as expired or cancelled
             New Application required
New Policy: a new application will be required and the standard waiting period rules apply.

As mentioned above, the certain policies that are subject to the "lapsed policy rules" apply to:
Pre-FIRM subsidized rated policies in SFHAs:  When a new policy is required as noted above, the building must be rated using full risk rates which means a new application and an Elevation Certificate (EC) will be required.
Policies rated with Newly Mapped rates:
o if Pre-FIRM--full risk rates apply and a new application and EC is required;
o If Post-FIRM--full risk rates based on current flood zone and BFE, or if eligible, may use built in compliance grandfather rule.
Grandfathered based on continuous coverage: no longer eligible due to break in coverage.

Check out this Don't Pay Late consumer resource to understand the NFIP rules on policy lapses to clients.  You can avoid potential rating changes by paying policy premiums on time.

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, Johnny Walton, and Whitney Zimmerman Webb 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

Wednesday, June 15, 2016

Until death --- Life Insurance will help those you leave behind



Life insurance is not for you - it's for those you leave behind.  If you are no longer in the picture, there are many expenses that will have to be paid on your spouses sole income, and funds will be needed to continue your business and pay for your child's college.  This is a huge burden on those you leave behind.  Plan ahead and have a good life insurance policy in place.  You should do some planning to determine how much coverage you should obtain, and the younger and healthier you are, the lower the rate you will pay.

This is a good Life Insurance Calculator  you could use:  http://finance.yahoo.com/calculator/insurance/ins01/

Next, you will need to decide what type of coverage to purchase - Term or Whole Life.  Term Life has a definite period of coverage with the lowest premiums.  Whole Life is sometimes referred to as Permanent Coverage because it does not expire and may also provide a cash buildup and/or dividend option. Which is better depends on your personal needs.  As you age, your financial needs and obligations will change, so if you have a good retirement plan, you may not need permanent coverage.  If you are not disciplined about saving or anticipate ongoing needs, whole life may be a better option.  Your Trusted Choice Agent can assist you with evaluating the amount and type of coverage that would be the most beneficial

There are hundreds of companies and hundreds of options that can be very confusing.  Add to that the line of Annuity products that are available to provide fixed income and tax savings, you could easily be overwhelmed.  Check with a Trusted Choice Agent to better understand your options and to obtain a solution crafted to meet your individual needs.

How to save money on life insurance -   insure now instead of later and have your Trusted Choice Agent offer options from multiple carriers.

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

Tuesday, May 31, 2016

What the heck is wind driven rain and how does that impact your insurance?


Most insurance policies contain limitations of coverage for "wind driven rain".
It is important for consumers to be aware of this common provision in the event of a loss, but most policyholders do not understand the differences between rising water or wind driven rain when it comes to water damage. If your property has water damage, you just want resolution without needing a translator. Consumers often think that their property insurance policies should be common sense; if the interior of their insured building is damaged, it should be covered. But, insurance policies are filled with legal jargon that present challenges for the policyholder to translate.

Simply put, wind driven rain is damage caused by rain that was propelled by wind through the window seals or door seals. In other words, if the wind was not in the equation, the water would never have made it into the dwelling to cause damage. According to the National Flood Insurance Program; "When rain enters through a wind-damaged window or door, or comes through a hole in a wall or roof, the NFIP considers the resulting puddles and damage to be windstorm-related, not flood-related. Flood insurance covers overflow of inland or tidal waters and unusual and rapid accumulation or runoff of surface waters from any source." Determining if damage to your dwelling was caused by water that blew in sideways or water that seeped in via gravity is a whole new mystery. In calm weather raindrops fall vertically, but in windy weather, raindrop paths are angled. The amount of rain striking a structure at an angle can be a very damaging source of moisture.

The windstorm coverage, according to Mississippi Windstorm Underwriting Association, covers "direct physical loss(es) to the property covered caused by windstorm and/or hail" but "does not cover loss to the inside of a building caused by rain, water, unless the direct fore or wind or hail damages the building", so if there is no damage to the building, then there is not coverage for the damage. This is why so many claims were denied following Hurricane Isaac, because the adjusters and engineers determined that the wind caused the rain to seep in through the seals of the windows, which is a maintenance issue or may indicate that the windows were not installed properly. Either way, this is not a covered peril under the policy.

Quantification of wind driven rain began in the 1950's using measurements with rain gauges and observing relation between droplet size, precipitation intensity and drop speed. The results determined that each environment and each individual building differ. In the 70's studies focused on calculating wind driven rain distribution on buildings using predictions based on wind tunnel measurement and raindrop trajectory tracing (using Newton's law for force equilibrium between gravity, wind drag and inertia). With each major catastrophe in the U.S., studies on wind driven rain are re-vamped and changes are made. Builders have benefited from the research in many ways including assembling walls constructed to avoid wind driven rain damage.

When you have water damage to your property, adjusters must determine whether there was damage (an opening) to the roof or walls through which the rain entered and, if so, was the damage caused by a covered peril under your insurance contract. Inherent in the first question is the issue of whether any opening identified was of sufficient size to permit entry of enough water to cause the damage claimed. Flood insurance covers overflow of inland or tidal waters and unusual and rapid accumulation or runoff of surface waters from any source. Although flood insurance specifically excludes wind and hail damage, the good news is that your Trusted Choice Agent can provide the coverage you need to protect you in the event of wind damage to your property.

More than 60 percent of the United States is vulnerable to damage from high-wind events such as hurricanes, straight-line winds and severe thunderstorms that can produce high winds and heavy rains. With hurricane season lurking around the corner, we recommend inspecting your property for possible issues that may invite damage from wind driven rain, which is not covered under your wind policy. Here are some key points to investigate;

  • Check for leaks
  • around your windows and doors, especially near the corners.

  • Check for peeling paint, it can be a sign of water getting into the wood.

  • Inspect for discolorations in paint or caulking, swelling of the window or doorframe or surrounding materials. Flashing, which is typically a thin metal strip found around doors, windows, thresholds, chimneys, and roofs, is designed to prevent water intrusion in spaces where two different building surfaces meet.

  • All vents, including gable vents, roof vents, and exhaust vents should be well anchored to the roof, flashed and sealed to prevent leaks
  • Replace wood siding and sheathing if it appears to have water damage.

  • Inspect wood-sided walls to ensure there is at least 8 inches between any wood and landscaping materials or dirt.

  • Exterior walls should be kept well painted and sealed.

  • Use a high quality silicone caulk around outside wall openings such as vents, outdoor electrical outlets and locations where cables or pipes go through the wall. Just before a storm, close restroom and any other vents with duct tape (but remove it after a storm and before using the vents.)

  • Check the roof for signs of deterioration or leaks. Make sure all drains and gutters are clear.

  • Shutter and seal gable end vents to prevent wind driven rain
  • from entering attic space.

  • Landscape features should not include soil or other bedding material mounded up against walls.

  • Keep trees trimmed so that branches are at least 7 feet away
  • from any exterior building surface. This will help prolong the life of your siding and roof and prevent moisture and insects from entering the building.

  • Vines should be kept off all exterior walls
  • because they can help open cracks in the siding, which allows moisture to enter the building. – Inspect and adjust the spray pattern of the irrigation heads to minimize the water sprayed directly onto the building to avoid excessive water near the foundation.

Now is the time to meet with your Trusted Choice Insurance Agent and review your policies. Ask questions! Make sure you have the proper amount of coverage. Be prepared!

Schedule your insurance review with SouthGroup Insurance - Gulf Coast today. We have 3 convenient locations to serve you, and we look forward to helping you translate the language of your insurance policies.
 
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
 

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