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Monday, March 4, 2024


 Having your property well maintained will help you save money on your insurance.  Many new companies are now in our coastal area and offer better pricing, but the companies are very strict on the homes they will insure. Many insurance companies will send an insurance inspector or require a self-inspection where you send in pictures of specific areas of your home to document the condition and any problems areas.  This helps in the event of a claim because the current condition is documented, and the company may more easily determine the extent of the damage, since they will have a before and after audit file.  This also assists with risk management to possibly avoid insurance claims.

Insurance companies desire property which is free from liability hazards.  A liability hazard is “an accident waiting to happen”.  You will find insurance companies asking more questions about your pets and any history of biting. A swimming pool without proper fencing or not in proper working order could allow for injuries.  Likewise, if you allow excessive debris to pile up, this could attract rodents or become a fire hazard.  Lawsuits abound from accidents occurring from a trampoline, so many companies do not allow them at all.   Your property should not have any existing damage or condition issues on the exterior or interior, decks and porches.  Any dry rot or plumbing leaks lead to more damage. Mold or algae on siding is unsightly and should be pressure-washed off.  Clogged gutters cause extensive home damage, so get those cleared annually.

In our area with the high probability of severe winds, many companies require tree limbs within 3 feet of the home or large trees close to the home be cut back for the protection of the structure.  Excessive foliage growth and overgrown shrubs around the home should be periodically trimmed back so the insurance companies can visibly see that you care about your property and its condition and appearance..  Most companies require the crawl space under a home to be enclosed with lattice or some other material to prevent debris from accumulating under the home which could become a fire exposure.  So many people fall off of stairs leading to lawsuits, that if you have more than 3 stairs leading to your property entry, the insurance company will require a handrail be installed to reduce the risk.

Many insurance discounts are available if you have installed wind or flood mitigation on your property.  Be sure you provide pictures of a new roof, impact glass, or working shutters to your insurance agent for any available discounts.  Tankless water heaters result in fewer water overflows, and your insurance company may offer a discount. Contact your insurance agent to discuss other ways to protect your property.

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

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 convenient locations!

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.
Insurance is stressful, but we make saving easy.  We help you save money on insurance!
#trustedchoice #southgroup
#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

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