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Monday, June 29, 2015

I AM SO CONFUSED!! Replacement Cost, Actual Cash Value, and Market Value Explained

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

Tuesday, June 23, 2015

Top 10 Hurricane Preparation and Insurance Claim Tips

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 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

Monday, June 8, 2015

What Insurance Do You Need If You Are Under Age 30?

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!

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

Monday, June 1, 2015

Hot Fun in the Summer Time -- But Are You Covered With The Right Insurance?

It's time for fun in the sun and on the water and with family and on vacation!  Whew!  Quite a busy time, and the one thing you really don't want to have to worry about is your insurance!

The NAIC has some helpful advice: http://www.naic.org/documents/consumer_alert_summer_fun.htm

1) Trampolines and Pools - Check you home policy to understand your coverages and discuss your questions with your Trusted Choice Agent.  Many home policies exclude pool and trampoline liability coverage.  If the coverage is included in your policy, you will be required to have the items surrounded by a self-latching fence. Be sure to let your Trusted Choice Agent know if you add these to your home.

2) Boats - Be sure you have a good policy to protect you from the liability exposure for you as the operator and for other boater's on the water.  Discuss your options with your Trusted Choice Agent to understand your options and deductibles for protecting your boat hull, engine, and trailer.  You can choose from Actual Cash Value (which is the boat's value adjusted for depreciation), or Agreed Value which is the value you choose when you purchase your policy, or Replacement Cost which will pay to replace your boat with one like the current boat you have.  You should also consider protection for the items you have on the boat with you including fishing or skiing gear and electronics.

3) All-Terrain Vehicles - Check with your Trusted Choice Agent on the proper protection for off-road vehicles and who is covered when operating the ATV.  There may be limitations that you do not want to catch you by surprise.

4) Traveling - If you will be vacationing for an extended time, be sure you understand your coverages.  There may be limitations on how long your home may be vacant.  You also need to know what coverages may be available to you when if you may lose your belongings while on the trip, due to theft or an accident, particularly for high-valued items.

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coasthttp://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,  FaceBookwww.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

Tuesday, May 26, 2015

How to Shop For Business Insurance

Can you afford to lose everything that you have worked so hard to build up in your business.  Very doubtful.  Accidents happen, and you need to be protected for your risk exposures.  So how do you start?

www.iii.org has some good advice for Small Businesses to make it easier to be protected.

1) Understand Your Risk Exposures - Work with your Trusted Choice Agent to understand the risks you may face in your industry for property, business equipment, liability, and your staff.  Once you understand your danger areas, you can make informed decisions on how to mitigate them and protect your growing business.

2) Discuss Strategies With Your Trusted Choice Agent and Get Several Options for Your Coverages - Your Trusted Insurance Advisor is one who is familiar with your specific business and can help you find the best coverage at the lowest cost.  Your Agent will also be able to make you aware of ways to make your business more attractive to the insurance industry which will provide you with even more options for your coverage.

3) Understand What Extra Services Come With Your Insurance Policies - Good Trusted Choice Agents work with you throughout the year to ensure that your coverages are protecting you as your business grows and will work with you on strategies for safeguarding your assets and your valuable employees.  Most insurance carriers will also provide inspection and risk assessment services that will keep you better protected.

4) Strive For Ways To Keep Lowering Your Cost - By working with your Trusted Choice Agent and avoiding excessive claims and continue to implement stronger risk management strategies, your business will benefit from more choices on your coverages and lower rates.  It's a win win!!

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coasthttp://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,  FaceBookwww.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




Monday, May 11, 2015

TOP 10 QUESTIONS TO ASK BEFORE BUYNG AUTO INSURANCE (Part 2 of 2)

The prior blog introduced 5 of the major questions you should ask your agent when you are buying auto insurance, courtesy of www.howstuffworks.com.  Enjoy your wheels and the remaining 5 questions you need to ask your agent:


5) What are the payment options?  Monthly using EFT is by far the easiest method and keeps you from having to worry about missed payments.  Many insurance companies frown on repetitive late payments and you risk having your coverage cancelled and you may not be allowed to get the policy back into effect.  Or, even worse, during the only day your policy was lapsed, you find yourself in a fender-bender --- and there is NO insurance coverage.  Don't be that guy!  Most companies offer discounts for electronic or payment for the full policy term.  Additional fees may be imposed for bills sent by mail.


4) What is the value on my vehicle?  In the event of loss, the "blue book" value is used for claim settlement.  There are online resources you may use to calculate the appropriate value which is typically the mid-point of the trade-in value vs the retail value.  Most companies will also take into consideration recent vehicle enhancements such as new tires or special vehicle features.  Be sure you are able to provide documentation on the enhancements to your adjuster for consideration.  Your adjuster will determine what is allowable under your policy contract, and most carriers provide fair settlements, so don't jump too quickly to an ambulance-chaser attorney, because that will delay the claims processing, and most likely, by the time you split the proceeds with your attorney, you will end up with less money than you would have directly from the carrier.  Let the normal claims process play out and work closely with your adjuster and engage your Trusted Choice agent as an advocate. If the settlement is unsatisfactory, then pursue a legal settlement.


3) How do I get claims service?  Good insurance carriers provide 24/7 claims service.  Many offer online access and claims process status reporting, and also smartphone access.  Your Trusted Choice agent will provide you with a handy checklist to follow to be sure you are protected and all pertinent data is available to settle your claim as quickly as possible.  A good idea is to take pictures of the scene before moving your vehicles.


2) Will Original Equipment Manufacturer (OEM) Parts be used in a repair?  To save costs, many insurers use "generic" parts which are functional replacements for the damaged parts.  If you require the use of OEM parts, you will need to purchase an endorsement on your policy which will add a small amount to the cost of your insurance.  Ask your Trusted Choice agent for a quote so you can decide if you wish to have the coverage added to your policy.


1) Is there a local agent available?  Local Trusted Choice agents will spend the time with you to explain your coverages and provide more options for your consideration, and they will act as an advocate for you during the claims process.


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

Monday, May 4, 2015

INSURANCE – The Good, The Bad, and the Need to Know for your home and business


GOOD NEWS:  Fire and Wind Insurance rates are coming down !! We represent over 100 different companies, and we are seeing up to 40% rate reductions on property in most cases.  This is driven by the better construction standards in our area including enforced Building Codes, stronger Fire Districts, and all of the mitigation efforts to improve the resiliency of our structures.  An additional factor is all the work of IBHS and their Designations of Fortified Homes for BRONZE CERTIFICATION (for a strong and water tight roof), SILVER CERTIFICATION (for the roof AND impact protection on structure openings and attached structures) and GOLD CERTIFICATION (for roof AND openings AND structural integrity for the whole unit including the chimney).  There may be grants or loans available to fortify your home.

These structural improvements to mitigate potential damage and fortify your home will help ensure that you have a home and business to come home to after a storm, which is beneficial to our whole economy and well-being. 

Another reason contributing to lower insurance costs are continued low interest rates, which are prompting large investors to pump money into global Catastrophe Bonds to enjoy higher returns, which is assisting with lowering reinsurance rates, and resulting in lower overall rates for consumers like you and me.

There are many more insurance options for business owners and homeowners, so you should definitely shop around with a Trusted Choice insurance agent, but be aware that insurers are becoming more picky about which homes they will insure at the lowest rates, and each carrier has different requirements …  More on that topic in a bit.

NOT SO GOOD NEWS:  Flood insurance rates have increased as of April 2015, in the 10-18% range.  There are higher fees in addition to the higher rates, particularly for non-primary homes and commercial structures. There are higher deductible options to reduce your rates, so ask for your options, BUT DON’T LET YOUR POLICY LAPSE.   In every area that has been re-mapped, we have a one-year window (through April 2016) to get a policy in place under the prior “grandfathered” rates, but after that time, the rules will change.

FEMA has implemented a one-year grace period for properties deemed to be “recently mapped” , and after the one year period, if there is no flood insurance in place, the higher standard rates will apply.  What does this mean to you?  If you have a home in a recently mapped area where your prior flood zone was B, C, or X, and has now been changed to Flood Zone A, and you purchase your coverage now before April 2016, the rate will be in the $400 range, however, if you wait till after April 2016, your rate will be in the $2000 range.  A HUGE DIFFERENCE!  Also, if you have a flood insurance policy that meets the recently mapped guidelines, your policy is able to be transferred to a potential buyer.  So if you EVER plan to sell your home, you will need to have a flood policy in place.  If you will EVER need to get a bank loan, you will need to have a flood policy in place.

TO DO:    You MUST verify your Primary Residence with FEMA, or you will be changed to non-primary status.  You will need to sign and return the form sent to you.  Non-primary residences and commercial structures will be surcharged $250.

TO DO:    Check into higher deductibles to reduce the cost of insurance coverage.  A $10,000 option will now be available - but remember that it applies to EACH coverage (structure and contents), so if you choose the highest deductibles available, you will have to pay $10,000 deductible for the structure AND $10,000 deductible for the contents.

TO DO:     Don't let your policy lapse.  Rewrites may be more costly to you.

TO DO:      Buy Flood Insurance NOW if you do not have it yet.  It's your last chance to purchase insurance at a reduced rate, if you do not have flood insurance yet, and your zone was re-mapped in 2008 or more recently.  Make your purchase BEFORE April 1, 2016.

NEWS WE CAN ALL USE:
Trusted Choice identified the most
common MISTAKES Consumers make with their insurance:

1) Not Carrying the Correct Limits of Coverage - if your coverage is too low or not keeping up with inflation, you may be penalized at the time of a claim. 

Replacement cost is a broader policy and protects you more; you should insure the total expected cost to rebuild your home (not market value or what you can sell it for); Coverages increases cost very little.  Be sure to review your coverage levels at least annually.

2)
Not Taking Advantage of Discounts
- be sure to always ask about discounts if you have a home security systems, updates to your roof and/or electrical, and other special home features or mitigation.

3)
Not Properly Insuring Your Home - if you have a change in how your home is occupied, or you are putting your home up for sale, or your home is now vacant, this could VOID your coverage.  Let your Agent know! Also consider adding valuable coverages such as sewer and water backup, flood insurance, and earthquake insurance.  

4) Taking the Cheapest Policy - cheaper is not always better.  Insurance policies vary greatly, and there are many ways to safely reduce the price you pay without sacrificing important coverages that protect you. 

 

Learn how to make your home look attractive to the insurance company!

Here are things that impact home insurance rates-
These will raise your insurance rate: bad credit, poor payment history, prior claims,     not having a certificate of occupancy, older age of home, lack of pride of ownership, tree limbs on the roof or rubbing the side of home, pools without fences, trampolines, wood-burning stoves, certain types of pets

 These will lower your rate: bundling policies with the same carrier (example: home and auto), increasing deductibles, taking mitigation efforts and retrofitting of home, adding a security system, length of time with carrier 

 Things to watch: be sure that the proper policy limits are selected so that you are not penalized if you need to make a claim - you should review the limits annually; be sure to disclose any home business, so you and your business assets are protected. 

We are happy to assist you and review your coverages.  Just call  228-466-4498 or 228-385-1177 or email:info@southgroupgulfcoast.com.
  We have time to help you.

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