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Thursday, December 31, 2015

Goodbye 2015 - Welcome 2016 With An Insurance Review!

It's hard to believe we are in the final days of 2015.  It has been an action packed year with so much happening in all of our lives and in the economy as well.  It has definitely been a roller coaster ride and some of us are eager to say "Farewell, 2015!"  But let's not be too hasty, because with all farewells we want to be prepared for the journey that lies ahead.  Are you ready? 
Let's review some of the important insurance items we've discussed with you throughout the year.  With so many changes in the industry and in the economy, it's good to brush up on the facts!

Did your home insurance rates increase in 2015? Weather related catastrophes had been steadily increasing and the expenses to repair a home has also been steadily increasing.   
These increases have prompted many consumers to shop their insurance policies, which is always a wise decision, but many consumers are not insurance specialists and could be making a mistake unless you proceed cautiously.  

 Are you comparing apples to apples? SouthGroup Insurance Services is focused on not only saving you money but also recognizing your personal insurance protection needs to find what coverages are best suited for you as an individual.  Saving money is not the only important factor in protecting yourself or your loved ones, even though it may feel like it in this current economy.  A few things you want to consider when shopping your insurance coverages aside from savings are; What is the financial rating for the new company you are considering? Are the coverages you are considering adequate for your needs? Is your quote correctly rated or will you be facing a premium increase after you sign on the dotted line? Before you make an important decision regarding your future and your protection, we recommend you schedule a full insurance review at one of our 3 convenient coastal locations free of charge and without obligation.  Now is the time!

If you re-finance, it is your responsibility to make sure the mortgage clause is up-to-date on your insurance policy.  Your Trusted Choice Advisor insurance agent will follow through with any instructions provided by your new mortgage holder with your authorization, however if the re-finance fails for any reason, they are not obligated to contact your insurer or your agent, and this creates an issue with incorrect information on your insurance policy.  Many mortgage companies have been selling their accounts to other companies, and often the insurer is not informed in a timely manner which can cause gaps in insurance coverage due to non-payment.  Often, consumers don't even know their mortgage was sold.  We recommend you contact your mortgage holder within 2 months of your insurance policy renewal to verify if anything has changed.   To avoid periods without coverage, when you receive your copy of your insurance policy renewal billing, you should follow up with your mortgage company to verify they intend to pay in a timely manner.  

  How much do YOU have to lose? In today's litigious society, how do you know if you have enough insurance coverage to protect you and your assets in the event of a lawsuit? This is an important question to ask yourself any time of year and is the heart of the insurance industry's relationship with you!  A Personal Umbrella Insurance Policy may be the answer you're looking for when you have a lot to lose as it protects your assets and future income in addition to your primary insurance policies.  It is not the same as excess insurance and only goes into effect when your underlying policies are fully exhausted, which is very common in lawsuits today.  A typical umbrella policy premium averages $150/year.  Umbrella policies provide additional liability coverage above the limits of your home, auto and boat insurance policies and sometimes may be used to provide coverage for claims which may be excluded from your primary insurance policies.  

Remember, a new year is always a fantastic time to review your finances and your insurance.  We are eager to assist you and look forward to working with you in 2016.  Give us a call at 228-466-4498 or 228-385-1177 to schedule an appointment, but remember walk in clients are always welcome also.  Thank you for a fantastic year! We appreciate you and your business!
Your Trusted Choice Insurance Agent stands ready to assist you. We help you through the maze of insurance coverages, carriers, and premiums, and we find the best personal and business coverage for you at affordable rates. We help you save money on insurance --- and we save you time!  And remember, when it comes to insurance, one size does not fit all.

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, e company who provides good claims support to hep you get back going after an incident.  It does you no good to spend very little for a policy that will not pay you or treat you well after a claim. 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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