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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!

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