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Wednesday, January 2, 2019

Read this before you die so you don't leave your family without what they need - How to Buy Life Insurance

You aren't getting any younger.  We are not promised tomorrow.  You owe  owe owe, and you don't want to leave a burden on your family if something happens to you.  You want to do estate planning. You want to ensure that your children will have the resources needed to attend college if you are no longer around.   You want your business to be able to continue without you.  So many reasons to obtain a life insurance policy.  Here's the catch --- you will not get to enjoy the proceeds -- Life Insurance is not for you; it's for those you leave behind.

To know how much you need, you should consider 3 factors - 1) Your Total Annual Bills, 2) Your Total Assets 3) Your Total Liabilities.  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: https://www.bankrate.com/calculators/insurance/life-insurance-calculator.aspx

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.

Ways to save money on life insurance -
1) Look into Term insurance (lower cost) and invest the difference
2) Avoid "guaranteed issue" if you are healthy
3) Get your Trusted Choice Agent to shop around for you and customize your coverages based on what you really need
4) Buy life insurance as early as you identify the need (the younger and healthier you are, the lower the rate)
5) Pay for your coverage annually instead of monthly (this reduces fees)
6) Obtain a re-evaluation if your health or life style changes for the better (examples: stop smoking, lose and maintain weight loss
7) Get healthy!
8) Focus on financially sound insurance companies
9) Choose a policy with a renewal guarantee to prevent the possibility of being uninsurable when your term expires.
10) Keep your policy up to date and your payments up to date to avoid penalties.

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 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 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


Saturday, December 1, 2018

I'm Confused! What is Covered In A Home Insurance Policy?

Most standard homeowners insurance policies include four essential types of coverage:
  1. Coverage for the structure of your home
  2. Coverage for your personal belongings
  3. Liability protection
  4. Additional living expenses if you are temporarily unable to live in your home because of an insured disaster

1. The Structure of Your House

Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy. It will not pay for damage caused by a flood, earthquake or routine wear and tear. When purchasing coverage for the structure of your home, remember this simple guideline: Purchase enough coverage to rebuild your home.
Most policies also cover detached structures such as a garage, tool shed or gazebo—generally for about 10 percent of the amount of insurance you have on the structure of your home.

2. Your Personal Belongings

Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disasters. The coverage is generally 50 to 70 percent of the  insurance on the structure of your home. The best way to determine if this is enough coverage is to conduct a home inventory.
The I.I.I. offers a free home inventory tool that lets you create, maintain a photo home inventory, and store it safely in the cloud. To learn more, visit www.knowyourstuff.org.
Personal belongings coverage includes items stored off-premises— this means you are covered anywhere in the world. Some companies limit the amount to 10 percent of the amount of insurance you have for your possessions. You also have up to $500 of coverage for unauthorized use of your credit cards.
Expensive items like jewelry, furs, art, collectibles and silverware are covered, but there are usually dollar limits if they are stolen. To insure these items to their full value, purchase a special personal property endorsement or floater and insure the item for its officially appraised value.
Trees, plants and shrubs are also covered under standard homeowners insurance—generally for about $500 per item. Trees and plants are not covered for damage by wind or disease.

3. Liability protection

Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. So, if your son, daughter or dog accidentally ruins a neighbor’s expensive rug, you are covered. (However, if they destroy your rug, you’re out of luck.)
The liability portion of your policy pays for both the cost of defending you in court and any court awards—up to the limit stated in your policy documents.
Liability limits generally start at about $100,000, however, it’s a good idea to discuss whether you should purchase a higher level of protection with your insurance professional. If you have significant assets and want more coverage than is available under your homeowners policy, consider purchasing  an umbrella or excess liability policy, which provides broader coverage, including claims against you for libel and slander, as well as higher liability limits.
Your policy also provides no-fault medical coverage, so if a friend or neighbor is injured in your home, he or she can simply submit medical bills to your insurance company. This way, expenses are paid without a liability claim being filed against you. It does not, however, pay the medical bills for your own family or your pet.

4. Additional living expenses (ALE)

ALE pays the additional costs of living away from home if you cannot live there due to damage from a an insured disaster. It covers hotel bills, restaurant meals and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.
Keep in mind that the ALE coverage in your homeowners policy has limits—and some policies include a time limitation. However, you can generally increase the amount of ALE coverage for an additional premium.
Your ALE coverage limit is separate from the amount available to rebuild or repair your home. Even if you use up your ALE your insurance company will still pay the full cost of rebuilding your home up to the policy limit.
If you rent out part of your house, ALE also covers you for the rent that you would have collected from your tenant if your home had not been destroyed.

source: www.iii.org

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 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 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, November 9, 2018

Does your insurance cover you for Uber, Lyft, Electric Scooters, or Food Delivery???

Life just got more complicated --- again!

John Nesbitt, Claims Specialist with Swiss Re Corporate Solutions tells us "Personal auto insurance has always been more complicated than most policyholders realize. It has always evolved somewhat over time, but with the advent of ride-sharing services leading many individuals to use their personal automobiles for income, the insurance industry has had to react and adapt quickly. These nuances have only become more complicated as the ride-sharing concept expanded to more extensive food delivery options.

And now? Electric scooters available for rent for use on public streets create new questions about whether users are insured and by whom. With the impending transition toward self-driving cars, the questions facing the personal auto insurance industry will only become more complex."

The bottom line is that most of the Ride-Share services provide some limited coverage for their drivers, but it is contingent on the driver having their own personal auto insurance coverage.  But the driver MUST notify the personal auto carrier that they are providing the ride-share service.  Some Insurance Companies have a zero tolerance for ride-sharing and will cancel you, but other Companies are more tolerant. Be sure you have the right coverage, and always read the fine print, because personal auto policies mostly will specifically exclude coverage during ride-sharing, which would be claimed against the Ride-Share company.  A commercial insurance policy may be required for your protection.

Food delivery services, grocery stores, delivery services are expanding their areas and are utilizing drivers in personal vehicles.  Similar to ride-sharing, using your personal vehicle for deliveries for which you are paid, is viewed as a commercial business which may void or produce gaps in your insurance coverage. Talk to your Trusted Choice agent!

Electric scooters are becoming the rage in some areas and can be used to go between different locations at up to 15 miles per hour!  As you can imagine, there can be accidents which will not be covered under your personal auto policy for liability protection.

To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ , SERVICE TEAM: Angelyn Treutel, Tammy Garfield, Tammy Hogue, Denise Russell, Melissa Moran, Alex Treutel,  Anne Gillam, Ashlie Moody, and Whitney Zimmerman Webb at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: atreutel@southgroup.net , phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast , or Twitter www.twitter.com/atreutel ! We now have Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.

We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

We serve Mississippi, Louisiana, Alabama, and many other states. We specialize in coastal exposures.
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

Wednesday, August 1, 2018

Baby It's HOT HOT HOT - Time for Swimming Pools - and Safety and Your Liability!

Baby it's HOT HOT HOT -- time for a jump in the swimming pool!  The Insurance Information Institute just completed their Pool Safety Campaign and offer an educational video on Pool and Spa Safety https://www.iii.org/video/swimming-pool-safety.  Many areas of the nation are reaching 100 degrees or higher!  It's so hot that everyone wants to relax in a pool.

You may not realize it, but pools are very dangerous for young children, so there are several things you should do to ensure safe fun:
+ Keep the pool behind a fence
+ Empty portable pools when not in use or cover a larger pool
+ Always supervise children in a pool
+ Teach your children to swim and float, and basic water safety
+ Don't leave toys in the pool, because that attracts children
+ Limit alcohol use around pools and excessive heat

There are many pool safety videos and ideas at PoolSafety.gov and https://poolonomics.com/pool-safetyhttps://poolonomics.com/pool-safety/.

You are liable if someone drowns or is injured in your pool even if you did not give them permission to use the pool.  Make sure your Trusted Choice agent knows you have a pool so that the liability coverage may be added to your home policy.  Some insurance carriers exclude pool liablity coverage, so your agent may have to assist you in obtaining separate coverage.  A good practice is to carry at least $300,000 liability and umbrella coverage, if you own a pool.
To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ , SERVICE TEAM: Angelyn Treutel, Tammy Garfield, Tammy Hogue, Denise Russell, Melissa Moran, Alex Treutel,  Anne Gillam, Ashlie Moody, and Whitney Zimmerman Webb at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: atreutel@southgroup.net , phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast , or Twitter www.twitter.com/atreutel ! We now have Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.

We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

We serve Mississippi, Louisiana, Alabama, and many other states. We specialize in coastal exposures.
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, July 2, 2018

Condo Insurance - What Do You Need?

Condominiums offer an alternative to traditional single-family home ownership with the benefits of hassle-free grounds keeping and maintenance of common areas. Condo owners can protect their personal belongings and finances with a condominium insurance policy that is designed for their specific needs.
If you are purchasing condo insurance for the first time, you may have many questions about this distinctive form of home insurance. An independent agent in the Trusted Choice® network can provide you with answers, help you assess your unique coverage needs and help you make an informed decision about your coverage. Contact SouthGroup Insurance to get more information and receive personalized condo insurance quotes.

Top 5 Benefits of Owning a Condominium

  1. All maintenance, from yard-work to plumbing, is handled by the condo association
  2. Residents often have access to amenities such as swimming pools or tennis courts
  3. Condos provide a social living environment and many residents feel a strong sense of community
  4. Condominiums are usually conveniently located near shops and entertainment
  5. Many condominium buildings offer a high level of security

Condominium Insurance vs. Homeowners Insurance

A traditional homeowners insurance policy provides coverage for damage to the structure of the home as well as the contents within. Typically, the condo association will have a master policy that covers damages to the structure of the building and to the common areas. This policy also provides liability coverage for injuries that occur in common areas or on-site facilities such as a gym or swimming pool.
Because condominium association insurance covers damage or injuries in common areas, condo owners can obtain insurance coverage that is less costly than typical homeowners insurance policies. In this way, condo insurance policies are written specifically for the unique needs of condo owners.
Cooperative housing residents have special insurance needs as well. If you are just starting out as a home buyer and are assessing your insurance costs and options in advance of purchasing a home, condo or co-op, talk to an independent agent about the insurance coverage you will need.

What Is Condo Insurance?

Condo insurance, also known as HO-6 insurance, covers the personal property damage and liability risks faced by condo owners; it picks up where the condo association insurance leaves off. Most mortgage companies require you to buy condo insurance and remain covered for the life of your loan.
Condominium insurance is designed to protect you, the condo owner, from financial loss if someone is injured within your home. It will also protect you from damages and loss due to burglary, fire or other incidents.

What Does Condo Insurance Cover?

When you own a condominium, you are responsible for covering any and all damages within your unit, often including interior walls, flooring and ceilings. A condo insurance policy will also provide coverage for your personal property. If you should incur losses due to theft or experience property damage caused by such things as fire, water damage or tornado, you may be able to receive compensation through your condo insurance.
Your condo insurance will also cover you against liability claims. If a guest is injured while in your home and you are held liable, your condo insurance can cover some portion of the bodily injury claim, depending on your liability limit. If you are sued, most policies will also provide coverage for court costs and legal fees. Be sure to check the terms of your policy for full coverage details.
When shopping for a condo insurance policy, be sure to carefully review your needs, and inventory your personal belongings to understand their value if lost or damaged. Find out from your insurance company the specifics of your coverage and what exclusions apply to your policy.

What Is Not Covered by Insurance for Condos?

Condo insurance will not cover damages to personal property caused by flooding; you must have a separate flood insurance policy if rising water from a river or other waterway damages your home. Keep in mind that flood insurance requires 30 days from the date of purchase before it will provide coverage, so do not wait until a flood warning to buy a policy.
Condo insurance will not typically cover damages to your property caused by your car or truck, or damage to your vehicles. While in some cases you can add a personal watercraft or ATV to your policy, the coverage offered for these recreational vehicles is often very limited. Insurance professionals recommend purchasing separate policies specific to your speciality items, boats, recreational toys and vehicles.

What Is Vacant Condo Insurance?

Vacant condo insurance will cover your condo when nobody is living in it. These policies tend to be very inexpensive. If your condo will be empty for several months at a time, for instance if you use your condo only as a vacation home and do not rent it out when not in use, vacant condo insurance might be a good option for you. These policies often include named-risk coverage, meaning they will offer reimbursements for damage caused by named hazards. If your policy covers only fire and water damage risks and your home is destroyed by a tornado, however, your lost possessions will not be covered.

How Much Condo Insurance Do I Need?

The amount of condo insurance you need depends on the value of your belongings. To best assess your coverage needs, go through your home and write a detailed list of all your belongings as well as their estimated replacement-cost values. This will give you a good idea of how much you stand to lose in a disaster as well as how much it will cost you to replace everything and start over.
It is always a good idea to purchase a large amount of liability insurance. If an injury occurs in your home that involves a trauma to the head, neck or spine, for example, the injured person may require extensive and continual medical care. These costs can add up quickly. If your liability insurance is not enough to cover full restitution, you will be responsible for the remainder of the medical costs out-of-pocket.
An increased liability limit or an umbrella policy can provide the additional protection you need if you find yourself in an expensive legal situation.

How to Find the Best Condo Insurance Policy

To make the most informed decision, be sure to compare several different policies. The coverage, deductible options and rates can vary greatly from insurer to insurer. Comparison shopping can sometimes be time consuming, however, so getting guidance from a knowledgeable insurance professional could save you a lot of hassle.
Trusted Choice member agents have relationships with multiple different insurance companies and can provide you with easy, one-stop comparison shopping. Member agents will also explain your options and ensure that you fully understand the terms of the policies that you are considering. Contact SouthGroup Insurance, a Trusted Choice member agent in your neighborhood today and get an obligation-free condominium insurance quote.

Monday, June 4, 2018

Motorcyle Insurance - Don't Leave Home Without It

Every activity comes with risks, especially those that involve wheels, speed, and the unpredictable factors that drivers and motorcyclists experience while on the road. Make sure you have the motorcycle insurance you need to be fully covered in the event of an accident.
Contact SouthGroup Insurance for home, auto and motorcycle insurance quotes.

Motorcycle Accident Facts

  • Motorcycle-related deaths increased by 55% in the past decade
  • 4,500 people died in motorcycle accidents in 2010 alone
  • Motorcycle injuries and deaths cost about $12 billion annually
You know the risks are out there: a deer crossing the street in a blind curve; drivers neglecting to check their blind spot or traveling too fast through an intersection. Motorcycle riders see these dangers each time they ride.
You can’t prevent an accident from happening, but you can be prepared. Some of the important measures that can make a difference include taking a motorcycle safety course, wearing protective gear, and making sure you have adequate motorcycle insurance.
What kind of policy do you need, and how much coverage should you buy? Let’s discuss motorcycle insurance requirements and how you can find out more about what is required in your state.

Motorcycle Insurance Requirements

Every state in the U.S. requires motorcyclists to have liability insurance, with the exception of Washington State, Montana, and Florida. However, Florida still has a financial responsibility law, requiring motorcyclists to pay personal and property damages in an accident they cause.
Liability insurance pays (up to your set limits) for damages or injuries you cause in an accident, as well as your legal defense if needed. Because these costs can quickly soar to hundreds of thousands of dollars in the event of severe injuries, property damage or law suits, a good liability policy is highly recommended.

Structure of a Liability Policy

Liability coverage has three forms of coverage: bodily liability for one person, bodily liability for all people involved, and property liability. If you cause an accident and someone is injured, the bodily liability would cover the costs of treatment for that person.
When you buy motorcycle insurance, you determine the limit. If you purchase a 10/20/10 plan, it means the insurance company will pay up to $10,000 in medical care for one person, $20,000 for all injuries, and $10,000 in property damage.
Before you decide on the liability coverage in your motorcycle insurance policy, consider how much you can afford if the accident is severe. If the costs of the crash exceed your limits, you will have to pay out of pocket.
As an example scenario, let’s say you have coverage for 10/20/10, and you cause an accident resulting in $30,000 of medical expenses and $15,000 in property damage. You would have to pay $10,000 for medical care and another $5,000 in property damage, out of pocket.

How to Get Free Online Quotes and Compare Policies

You can get a free quote from TrustedChoice.com now.
There is more to getting a motorcycle insurance quote than just the numbers, however. When it comes to making the best decision on insurance, it is important to meet with an agent. Working with an agent in the Trusted Choice network means you will have someone to talk to who can answer your questions about the best policy, deductibles and limits for you.
Should you be purchasing uninsured and underinsured coverage in case you are in an accident caused by someone else who does not have the means to pay your expenses? Should you consider an umbrella liability policy? Do you know what kind of coverage you need if you travel with your motorcycle out of state?
Insurance can be confusing. Plans often have various limitations and exclusions, though they are not always clear. Without reviewing the policy with an experienced insurance professional, you may not know what your plan covers – and what it does not cover.
Before you buy motorcycle insurance, get free quotes from several providers. A Trusted Choice member agent can help you to get comparative motorcycle insurance quotes for you, and can also look for any discounts for which you may qualify.

Factors that Affect Your Rates

In general, motorcycle insurance rates are affected by the following factors:
Your credit score: It's true - your credit history affects your motorcycle insurance premium as much or more than your driving history. Statistically, motorcycle riders with poor credit are more likely to file a claim, so insurance companies tend to raise premiums for these customers to compensate for risk.
Your age and driving history: The insurance company will do a risk assessment based on how old you are and any included traffic accidents or violations on your record, both for your motorcycle and your car.
Where you live and travel: If you travel in high accident or crime areas, your risks are higher. Where you store your bike also matters: if it is kept in a locked garage, it is much less likely to be stolen or damaged.
How often you ride: If you ride year-round, you will face more risks than drivers who only use their motorcycles for a few months of the year, or only on weekends.
The make and model of your motorcycle: How expensive is your bike? How new? And how much horse power? A new Ducati 1199 Panigale will require more expensive repairs than a used Honda Stateline. This is because the Ducati will cost more to repair or replace in the event of an accident.
After-market additions: Insurers will also take into account whether you have added specialty components, such as a custom frame.

Additional Coverage

The costs of a severe wreck can quickly exceed your state’s required minimum coverage. Consider adding additional forms of insurance to a general motorcycle insurance plan.
  1. Accessories coverage: If you have done any after-market upgrades or any enhancements to the motorcycle, you may want additional coverage for these items. It is a good idea to retain all receipts and photos of any equipment or custom work.
  2. Collision coverage: If your motorcycle is damaged in an accident, collision coverage will pay for repair or replacement regardless of who was at fault for the accident.
  3. Comprehensive coverage: Also known as “other than collision,” comprehensive coverage covers any damage not caused by an accident with another vehicle, including:
    • Weather-related damage, such as hail
    • Criminal activity, including theft and vandalism
    • Collisions with wildlife
  4. Medical payments / personal injury coverage: Pays for your medical treatment or funeral costs after an accident, regardless of who is responsible for the accident.
  5. Uninsured / underinsured motorist coverage: If an uninsured or underinsured driver causes a collision in which you are injured or your motorcycle is damaged, this policy would cover your out-of-pocket expenses.

Finding an Agent

General motorcycle insurance policies available from an online insurance company may not be tailored to your needs. Even if you start your research by comparing online quotes, make sure you find an agent or motorcycle insurance broker.
A local agent in the Trusted Choice network can compare multiple plans from several insurance companies, find all available discounts and tailor a policy to fit your needs and budget. Contact SouthGroup Insurance, a Trusted Choice member agent today.
 
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, Tracy Arnold, 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@southgroupgulfcoast.com, phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel ! 

We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi 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

Wednesday, May 30, 2018

Business Continuity is critical - be prepared for Hurricane Season!

The IRS issued Tax Tips https://www.irs.gov/businesses/small-businesses-self-employed/disaster-assistance-and-emergency-relief-for-individuals-and-businesses   which is also good advice for your insurance coverage!  Safeguarding your records will provide you with better information for tax deductions and insurance claims.  Simple steps can keep you prepared:

1.  Recordkeeping - With today's technology, you can easily take advantage of paperless recordkeeping for important documents such as tax returns, insurance policies, appraisals, receipts for major purchases, etc.

2,  Document Valuables - A room-by-room inventory is extremely helpful in reconstructing records following a disaster.  Consider photographing or videoing your contents.  Be sure to store the pictures/videos in a safe place outside of your home or business.  Multiple copies are recommended.

3. Update Emergency Plans - You and your family are the most important assets.  Think through your emergency and/or escape plans NOW.  Keep a battery operated weather/news radio and flashlights ready.  Evacuate when directed by authorities.

4. Count on Your Agent - Know how to contact your local Trusted Choice agent following a loss, so they can assist you through the claim process.  Don't rely on a 800 number - you need a person to talk to!  In the event of a federally-declared disaster, be aware that the IRS may provide you with assistance on filing.

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, Tracy Arnold, 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@southgroupgulfcoast.com, phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel ! 

We have 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi 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