What Insurance Do I Need When I Am In My 30s?

Another decade of your active life... time for settling in with a new home and family and growth in your assets.  Life is stressful but fulfilling.  Your 30s are often a time of major life milestones—career growth, homeownership, marriage, and starting a family. With these changes come new responsibilities, and insurance becomes more important than ever. Having the right coverage ensures that you’re protecting your income, assets, and loved ones from unexpected events. You realize you have more responsibilities and more at risk. Do you have the right insurance for your protection? Maybe yes, and maybe no --- here are some things you need to know to make an informed decision, suggested by  www.businessinsider.com. 

Ready to close on a New Home?  Homeowners insurance is required to protect the structure of your home, your liability exposure, and your belongings.  Your Trusted Choice agent will work with your realtor and your lender and will assist you in determining the appropriate Replacement Cost to protect your home and belonging  from fire, theft tornadoes, flood and other natural disasters.  Liability coverage will protect you if a visitor is injured on your property Also ask about discounts and credits you can apply to your policy for well-maintaining your property and removing hazards, as well as fortifying your home to protect against perils, and making your home more energy efficient.

Increasing the size of your family?  Life insurance and Disability Insurance should be on your horizon for the future needs of those you love if you should be injured of die.  Check with your Trusted Choice Agent for options.  Calculate your coverage needs at www.lifehappens.org 

How Are You Feeling? Comprehensive health insurance is a must. Look for plans that offer good coverage for preventive care, chronic conditions, and family needs. If you're planning to start a family, review maternity and pediatric benefits closely. If someone depends on your income—like a spouse, child, or aging parent—life insurance is essential. Term life insurance is affordable and provides coverage for a set period, often 20 or 30 years. It can help pay off debts, replace lost income, and cover future expenses like college tuition.

Cruising in a Fun Family Vehicle or Nice Ride? By your 30s, you may be driving a more valuable vehicle or have a family to protect. Make sure your auto policy includes adequate liability, collision, and comprehensive coverage. Consider bundling with home insurance for discounts.

Ready for a Umbrella?  As you accumulate assets and wealth, you have more to lose, so you should look at adding a low cost umbrella insurance policy to your portfolio which will give you extended protection over your underlying policies.  Your Trusted Choice agent will offer you options to enhance your protection.

Angelyn Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM, CBIA, and licensed Trusted Choice Insurance Agent.  Reach Angelyn at www.southgroupgulfcoast.com, (228) 385-1177,  azeringue@southgroup.net.

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 http://www.southgroupgulfcoast.com/ , SERVICE TEAM: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Melissa Dunn,  Anne Gillam, Mark Strickland, Joseph Eagle, Michael Scardino, Melinda Teaford, Wendy Butler, Gabriella Scardino, Tiffany Nguyen, Alexa Weldon, Denise Pickers 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: info@southgroupgulfcoast.com, phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast , or Twitter www.twitter.com/atreutel ! 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…

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