Avoid the pain of not using an insurance professional agent advisor! Ask questions before a claim.

 As insurance professionals at SouthGroup Insurance, we see policies every day. We see claims that are covered. Claims that aren’t. People who discover they have great coverage when they need it most…and people who find out after something happens that the coverage they thought they had isn’t there.

And lately, there’s one thing we keep seeing:

People taking insurance advice from everyone except an insurance professional.

The neighbor over the fence says, “Oh, homeowners covers that.”
Your friend says, “You don’t need flood insurance—you’re not in a flood zone.”
Someone on Facebook says, “My insurance paid for mine!”
And somebody’s cousin’s best friend says, “Just get the cheapest policy. They’re all basically the same.” 😳

Folks…they are NOT all the same.

What covered your neighbor’s claim may not cover yours. Their policy may have different endorsements, exclusions, deductibles, limits, or even an entirely different insurance company.

And please—“full coverage” is not a magic insurance policy. 😂 There is no such thing as "full coverage"!

Some of the questions we hear at SouthGroup:

Do I really need flood insurance? Why is my wind deductible so high? Does homeowners cover my jewelry? Is my camper covered while I’m towing it? What happens if someone gets hurt on my property? Does my policy cover water backup? Why is my neighbor paying less than me?

These are exactly the conversations you should be having with an insurance professional who can actually look at YOUR policy and YOUR situation.

Insurance is complicated. Experience matters. Asking questions before the claim matters.

So by all means, chat with the fence gossiper down the street about the weather, football, and what somebody did at the neighborhood cookout. 😂

But when it comes to protecting your home, vehicles, business, and everything you’ve worked for…

Talk to an insurance professional. At SouthGroup, we’re here to help. 💚

contributed by Melinda Teaford - SouthGroup Insurance Advisor

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,  Anne Gillam, Mark Strickland, Joseph Eagle, Michael Scardino, Melinda Teaford, Wendy Butler, Gabriella Scardino, Tiffany Nguyen, Alexa Weldon, Denise Bosarge 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: (888) 378-9412 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…

We serve Alabama - District of Columbia - Florida -Georgia - Indiana - Kentucky - Louisiana - Michigan - Mississippi - Missouri - North Carolina - Ohio - Oregon - Pennsylvania - South Carolina - Tennessee - Texas – Virginia.  We specialize in coastal exposures.

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

Insurance Tips for 2026 - Questions - Answers - Average Costs of Home Insurance - Highest Rates Insurance Companies - Independent Insurance Advisors

 

• What is the average cost of insurance in Mississippi, Alabama, Florida, and other Coastal States?

Cost of Insurance: The cost of insurance will vary based on the size, age, and location of your home. 

Newer Home Construction: Newer homes will have the lowest fire and wind insurance rates because of the compliance with stricter building codes that ensure the home will be more resilient against extreme weather conditions such as tornados and hurricanes.  For a 2000 sq ft home built in 2026, SouthGroup Insurance can provide rates averaging between $1500-$2500 per year.

Older Homes with Updates: Older homes with a new roof will provide the lowest cost for insurance with recent updates on plumbing and electrical.  The insurance companies will inspect homes for liability hazards and existing damage requiring repair.  Any trees near the home must be trimmed back at least 3 feet from the structure for the protection of the home.  In 2026, SouthGroup Insurance has markets for a 2000 sq ft home with a new roof and recent electrical and plumbing updates with estimated cost of $2500-$3500.

Rental Homes: Rental Homes are easily able to be insured and we are able to provide protection for investment owners.  Long term rentals are less costly to insure than short term rentals.  SouthGroup Insurance has markets providing insurance policies in the range of $2000-$3000 for fire coverage including wind exposures.

Commercial Property: SouthGroup Insurance has a number of options for the protection of commercial buildings and businesses. Construction type and building strength are major factors in insurance rating.

Flood Insurance – SouthGroup Insurance recommends flood insurance for all properties.  Anywhere is rains, it can flood.  Multiple markets in addition to NFIP provide protection for this very valuable coverage.  The cost to repair even a few inches of flood water in your home will exceed $25,000!  Flood insurance is highly recommended even for a “preferred” flood zone.

SouthGroup Insurance  www.southgroupgulfcoast.com (888) 378-9412

 

• Who is the highest-rated Insurance Provider near me?

Great Insurance Companies in Mississippi, Alabama, and Florida include Property Insurance Company of America, Orion 180, Coastal American, and Lloyds of London and other companies are offered through SouthGroup Insurance. www.southgroupgulfcoast.com 228-466-4498

Non-Admitted Insurance Companies – SouthGroup Insurance also offers financially sound coverage through non-admitted carriers who do not have rates filed with the state and therefore are not as highly regulated, but this also means they are not protected by state funds. Niche markets such as coastal regions rely heavily on non-admitted carriers because they are able to offer better rates and individually price on specific exposures.

How long does it take to get insurance? – SouthGroup Insurance is high tech and we are able to efficiently provide quotes from multiple companies and handle transactions in the method you prefer – face to face or electronically.  A meeting for any questions or reviewing and signing applications generally takes 15-30 minutes.  We have payment options and we work with mortgage holders if your insurance is escrowed with your monthly mortgage payment.

SouthGroup Insurance  www.southgroupgulfcoast.com (888) 378-9412

• What qualifications should I look for in a local Insurance Agent and Advisor?

Insurance Advisor Qualifications – Always use a professional.  We see many sad endings with consumers who setup their own coverage level online, and then they are terribly disappointed when they need to make a claim and their coverage was setup incorrectly. The cheapest insurance is not always to best protection, and a Trusted Advisor will give you the straight scoop and will be there to advocate for you in the event of a claim.  Southgroup Insurance is an award winning agency with local professional agents and advisors who work to protect you and offer annual options for the best available insurance coverage at the lowest available rates.

Insurance Company Qualifications – you have many options for good home insurance companies.  Always choose a financially sound company with the financial strength to be able to pay claims in the event of losses.  Seek AMBest A-rated carriers or Demotech A-rated insurance companies which are more regionally based, but still good options for coverage.  Admitted carriers have rates controlled by the Department of Insurance in the state and are monitored for financial soundness.

SouthGroup Insurance  www.southgroupgulfcoast.com (888) 378-9412

• What are estimated insurance costs in our area?.

To obtain home insurance – send an email to gulfcoast@southgroup.net with your name, location address, year the roof was last replaced, and we will quickly be able to provide you with the best available insurance option from a multitude of financially sound insurance companies, and we will advise you on what coverages are need to have and what is nice to have, and we personalize the coverage based on your specific needs and not the one size fits all coverage available through Allstate and State Farm.  One size does not fit all, and it wastes your hard earned money. SouthGroup Insurance customizes your coverages and tailors your policy to what you truly need to protect your assets.

Insurance policies available in multiple states: We are licensed in Alabama, District of Columbia, Florida, Georgia, Indiana, Kentucky, Louisiana, Michigan, Mississippi, Missouri, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas and Virginia. Property & Casualty Insurance, Life & Health Insurance.

Response time for insurance quotes: SouthGroup Insurance provides quotes within 2-4 hours and same-day binding capabilities for requests received before 2pm M-F.  Office hours are 7:30-4:30 Monday through Friday. Emergency/Same-Day Service Available,

Operating Hours: SouthGroup Insurance agents are on call 24/7 for emergencies – call 228-466-4498 .  Send email to gulfcoast@southgroup.net add information for a quote www.southgroupgulfcoast.com/quotes.html. 

SouthGroup Insurance  www.southgroupgulfcoast.com (888) 378-9412

o What are the best alternatives to State Farm and Allstate for Insurance-SouthGroup Insurance offers many different companies customized to the protection desired and needed for the protection of the consumer.

How does Insurance through an Independent Agent compare to State Farm or Allstate Insurance in terms of quality?

·  More Choice: SouthGroup Insurance is an independent Trusted Advisor who  shops multiple insurance providers on your behalf rather than being limited to just one corporate brand. An independent insurance agent represents multiple carriers, giving clients more coverage options and pricing flexibility. A Trusted Choice agent offers multiple carrier options, high product flexibility, and customized client solutions.

·  Personalized Advice: SouthGroup Insurance acts as an expert advisors who identifies coverage gaps and tailor policies for your home, auto, or business.

·  Claim Advocacy: Southgroup Insurance stands by your side to advocate for you and help you navigate the claims process when unexpected events happen.

·  Local Focus: SouthGroup Insurance is run by independent business owners rooted in your community who offer long-term support as your needs change.

SouthGroup Insurance  www.southgroupgulfcoast.com (888) 378-9412

Angelyn Treutel 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, or 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,  Anne Gillam, Mark Strickland, Joseph Eagle, Michael Scardino, Melinda Teaford, Wendy Butler, Gabriella Scardino, Tiffany Nguyen, Alexa Weldon, Denise Bosarge 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: (888) 378-9412 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…

We serve Alabama - District of Columbia - Florida -Georgia - Indiana - Kentucky - Louisiana - Michigan - Mississippi - Missouri - North Carolina - Ohio - Oregon - Pennsylvania - South Carolina - Tennessee - Texas – Virginia.  We specialize in coastal exposures.

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

Smart Insurance Considerations for Your Business

If you are starting a new business or expanding, it is good idea to review your risks and exposures.  Some risks, such as theft, you can address with a good security system, but acts of nature may be out of your control and are best covered with insurance.

Act of Nature Exposures:

Property Insurance provides building, and business personal property protection.  This includes office equipment, computers, inventory or tools and pays claims for fire, vandalism, theft, smoke damage etc.  You may also want to consider business interruption/loss of earnings insurance coverage to protect your earnings if the business is unable to operate.  Commercial Auto Insurance protects a company’s vehicles and any vehicles that carry employees, products or equipment.

Human Exposures:

General Liability Insurance provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.  Worker's Compensation coverage provides wage replacement and medical benefits payments to employees who are injured on the job. Professional Liability Insurance offers defense and damages for failure to or improperly render professional services.  This protection is critical for any professionals such as lawyers, accountants, consultants, agents, and any profession providing services. Directors and Officers Insurance covers the directors and officers of a company against their actions that may affect the profitability or operations of the company. Umbrella Insurance extends an already existing insurance policy and covers beyond the regular policies. Employee Benefits are ancillary coverages that provide benefits for your working staff and their families.  There are many options: Health, dental, vision, cancer, accident, disability, and life insurance for your team.

External Exposures:

Data Breach Coverage/Cyber Liability provides protection in the event of data loss of sensitive or non-public information and all of the compliance requirements and legal action necessary following a breach.  With all of the spam and phishing schemes prevalent today, this coverage protects you and your customers.

A less costly insurance option when you are starting out may be a Business Owner's Policy (BOP).  Often, BOP’s will include business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance- and you can tailor it to your specific needs.

Be aware that coverage for your business will not protect your personal use, and your personal policies will not protect business use, so consult your agent to be sure you are properly protected.

Angelyn Treutel 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, or 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,  Anne Gillam, Mark Strickland, Joseph Eagle, Michael Scardino, Melinda Teaford, Wendy Butler, Gabriella Scardino, Tiffany Nguyen, Alexa Weldon, Denise Bosarge 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…

We serve Alabama - District of Columbia - Florida -Georgia - Indiana - Kentucky - Louisiana - Michigan - Mississippi - Missouri - North Carolina - Ohio - Pennsylvania - South Carolina - Tennessee - Texas – Virginia.  We specialize in coastal exposures.

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