Providing strength and stability across the Gulf Coast
Who We Are
Gulf States Insurance Group and Coastal American Insurance Company stand as trusted providers of Homeowners, Dwelling, and Flood Insurance Protection across the Gulf Coast region. Based in Louisiana and Mississippi, our team has extensive experience in understanding the unique needs of coastal communities. This deep understanding allows us to tailor our programs to offer competitive rates and coverage options to our valued clients.
Our Mission
Our mission is to empower our customers to weather life's unexpected storms. We strive to protect what matters most through reliable insurance solutions, guided by exceptional customer service and personalized attention. We believe in building strong relationships with our clients, becoming trusted partners in their journey towards financial security.
Products & Services
We offer a comprehensive selection of insurance solutions to meet the diverse needs of our clients. Our products include:
- Homeowner's Insurance: Comprehensive coverage for your home against damage caused by perils like fire, theft, and weather-related events.
- Flood Insurance: Protection against devastating flood damage, essential for safeguarding your property and belongings in high-risk areas.
- Dwelling Insurance: Additional coverage for dwelling structures, ensuring adequate protection beyond the standard Homeowners Insurance policy.
Community Focus
Beyond providing insurance solutions, we are committed to serving the diverse communities we call home. We actively support local initiatives and have developed informative resources to empower our clients to prepare for storms. Our Storm Readiness Guides offer valuable tips on how to protect your property from various weather-related events.
Our Team
Our team comprises seasoned professionals with deep expertise in Property and Casualty Insurance. We are committed to providing personalized attention, handling claims efficiently, and ensuring our clients receive the support they need during challenging times.
Conclusion
Gulf States Insurance Group and Coastal American Insurance Company stand ready to provide you with peace of mind and financial protection across the Gulf Coast region. We are dedicated to building strong relationships with our clients and becoming trusted partners in their journey towards financial security.
Claim Issues and Poor Customer Service
Many customers have expressed frustration with Gulf States Insurance's claims process, citing long wait times, unresponsive adjusters, and lack of communication. Some customers have reported being denied claims or receiving inadequate settlements, leading to feelings of frustration and mistrust.
Rate Increases and Overcharging
Several customers have complained about significant rate increases, with one customer experiencing a jump from $1100 to over $3000 per year. Another customer discovered they had been overcharged for two years after switching to a different provider.
Negative Experiences with Adjusters
Some customers have had negative experiences with adjusters, including unprofessional behavior, lack of communication, and inconsistent or inaccurate estimates.
Praise for Local Presence and Competitive Rates
A few customers have praised Gulf States Insurance for their local presence and competitive rates, which they believe make them a better option than larger, out-of-state carriers.
Recommendations and Counterpoints
A few agents and customers have defended Gulf States Insurance, attributing negative experiences to third-party adjusters and emphasizing the importance of working with a good agent. However, most customers have reported negative experiences with the company.
