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Monday, August 24, 2015

Watch Out For What Is NOT Covered By Your Insurance!

Few things would be worse than thinking you are covered for something that you are not.  Have you reviewed your policy and coverages lately?  Is there something on your policy you do not understand that you need to review with your Trusted Choice Agent?  The best time to do this is NOW!
 Here are the top things you should know about your insurance contract:

1)      What perils are covered under your policy?  Many policies have exclusions that limit or eliminate coverage.  You may be able to purchase the coverage under a separate policy, such as flood, or add back the coverage through adding an endorsement and paying an additional premium.  Know what you have!

2)      Is your policy providing Replacement Cost coverage?  It is difficult to replace “depreciated” items that are insured at only Actual Case Value.  Ask for Replacement Cost!

3)       Do you have enough coverage for your structure and personal belongings?  A good idea is to use your smartphone to make a visual inventory of all your stuff, and develop an estimate of the cost to buy everything again, because that is the coverage level you should have on your policy.  You may need to raise your coverage!

4)      Do you need “excess” coverage?  Many policies limit the coverage, but umbrella or excess polices may be available to provide you the extra protection needed for liability, flood, or high value items that should be separately scheduled for your home or business.

5)      Do you have coverage to provide living expenses or lost income while your home or business are not available for use during serious repairs to your structure after a claim?  Many policies allow for Loss of Use or Loss of Business Income Coverage.  You need to know your options!

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
,  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: , phone: 228-466-4498 fax:888-415-8922,  FaceBook, or Twitter !

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 

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