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Monday, December 4, 2023

Ho Ho Ho – How December Can Impact Your Insurance

Tis the season for gifts and family celebrations – bonfires and feasts!  In between all the festivities, please keep the following in mind:

December is National Drunk and Drugged Driving Prevention Month ( If you are impaired while celebrating, don’t get behind the wheel to drive.  An automobile crash is costly because you will have higher insurance cost, you will be inconvenienced while your auto is being repaired, and even worse, someone could be hurt or killed.  Use a Designated Driver or an Uber to get you safely to your destination.


Prevent Blindness America has declared December as Safe Toys and Gifts Awareness Month.  Your health insurance may require that you first pay a deductible for treatment, and you will waste hours of your precious holiday sitting in an emergency room if a child or family member is injured by an unsafe toy.  Balloons can choke or suffocate a child so discard any burst balloons right away.  Toys with small parts could cause choking for young children.  Be sure to review the age appropriateness of the gifts.  Riding toys such as bikes and skates can result in falls with concussions, abrasions and worse.  Ensure that proper safety helmets and other gear is worn.  Discarded wrapping paper, boxes, and plastic should be disposed right away. 


Expensive gifts may require that you alert your insurance agent so you are properly covered.  Beautiful jewelry or art, vehicles, ATV’s and more require insurance protection for their value and any liability exposure.  An appraisal or invoice may be required to add fine art or jewelry to your policy, and stand alone coverage may also be available.


With all the great parties and plentiful foods, be certain to keep up your exercise routine and medications, so you do not have to use your health insurance due to illness.  Large events that you may host at your home or business with adult beverages served may increase your liability exposure, so for a large event, you should consider Event Insurance for your protection.


December brings colder weather in most areas and also brings dangers to your home and business with possible burst water pipes and for your auto with freezing ice or roads. There are more home fires during December, from kitchen fires due to more cooking, to holiday decorations catching fire, or candle fires, fireplace issues, or brittle Christmas trees. Take precautions to avoid having to file insurance claims.  Confirm that your smoke alarms are functioning and that you have your escape plan in place and that all family members know what to do.


Be safe and enjoy your holidays!  Merry Christmas!


Angelyn Treutel Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM, CBIA, and a licensed Trusted Choice Insurance Agent.  Reach Angelyn at, (228) 385-1177, or

 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 , SERVICE TEAM: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Melissa Dunn, Alex Treutel,  Anne Gillam, Mark Strickland, Joseph Eagle, Michael Scardino, Melinda Teaford, Wendy Butler, Gabriella Scardino and Brittany Eagle at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email:, phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook , or Twitter ! We now have more 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, Florida, and many other states. We specialize in coastal exposures.
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