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!
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