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Wednesday, May 1, 2019

What Insurance Do You Need in Your 40's

Life is flying by... the kids are growing and getting on with their own lives, but life is fun.  You are traveling more, and you have more toys. Life is enjoyable and exhilarating! Take the time to review and be certain you have the right insurance for your protection. here are some things you need to know to make an informed decision, suggested by  www.businessinsider.com

Purchasing a Vacation Home?  You will need a policy to protect the structure of your vacation home, your liability exposure, and any personal belongings.  Your Trusted Choice agent will work with your realtor and your lender and will assist you in determining the appropriate Replacement Cost to protect your vacation home from natural disasters and other risks.  Ask about discounts and credits you can apply to your policy for bundling policies with the same carrier.

Got Toys?  Be sure you have your expensive toys insured.  Now is the time for motorcycle insurance and boat insurance.  Even golf carts and ATVs and jet skis need coverage.  Any large purchases of jewelry and furs and artwork should be added as a Scheduled Item on your home policy.

Looking to the future?  The younger you are when you purchase Long Term Care protection, the lower your rate will be.  This insurance covers people who are aging or disabled and need help with daily living whether in a nursing home or at their own home. 

Got to have an Umbrella!  You have much to lose, and if you now have young drives, your odds of a loss are significantly higher.  An umbrella will give you extended protection over your underlying policies.  Your Trusted Choice agent will offer you options to enhance your protection.
 
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

Tuesday, April 2, 2019

What Insurance You Need If You Are In Your 30's

Another decade of your active life... time for settling in with a new home and family and growth in your assets.  Life is stressful but fulfilling.  You realize you have more responsibilities and more at risk. Do you have the right insurance for your protection? Maybe yes, and maybe no --- here are some things you need to know to make an informed decision, suggested by  www.businessinsider.com

Ready to close on a New Home?  Homeowners insurance is required to protect the structure of your home, your liability exposure, and your belongings.  Your Trusted Choice agent will work with your realtor and your lender and will assist you in determining the appropriate Replacement Cost to protect your home and belonging  from fire, theft tornadoes, flood and other natural disasters.  Liability coverage will protect you if a visitor is injured on your property Also ask about discounts and credits you can apply to your policy for well-maintaining your property and removing hazards, as well as fortifying your home to protect against perils, and making your home more energy efficient.

Increasing the size of your family?  Life insurance and Disability Insurance should be on your horizon for the future needs of those you love if you should be injured of die.  Check with your Trusted Choice Agent for options.  Calculate your coverage needs at www.lifehappens.org 

Ready for a Umbrella?  As you accumulate assets and wealth, you have more to lose, so you should look at adding a low cost umbrella insurance policy to your portfolio which will give you extended protection over your underlying policies.  Your Trusted Choice agent will offer you options to enhance your protection.
 
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, March 1, 2019

What Insurance Do I Need When I am In My 20's?

Life speeds by... you have fun and work hard in college, get a degree, and you open your eyes and find yourself out on your own.  You must make your own decisions and embrace life.  You have a new job and are finalizing major purchases.  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 auto 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?  Renters 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.  Look into a Wedding Event Policy to protect yourself from liability exposure and problems with your venue or cancellations.  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, 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, February 1, 2019

Here's the Secret for Saving Money on Your Auto 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 haveGulf 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

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