Gulf States Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Overall Gulf States Insurance Company Score
2 Stars
We award Gulf States Insurance a final rating of two out of five stars. The carrier is one of the younger insurance providers around today, and is not rated by AM Best. However, Gulf States Insurance has an "A" or "exceptional" financial strength rating by Demotech, Inc. Though the insurance company is highly rated by the Better Business Bureau (BBB), there are some mixed customer reviews, which is concerning.
Gulf States Insurance was founded in 2017, giving the carrier just under ten years of experience in the insurance industry. The insurance company is headquartered in Louisiana and currently only offers its coverage in three states. Gulf States Insurance offers several forms of coverage, including homeowners insurance and flood insurance.
The carrier's official website could benefit from more information about the carrier's coverage, discounts, and claims process. Overall, we recommend looking into several options to be your next trusted insurance carrier, along with your independent insurance agent, and perhaps skip looking into Gulf States Insurance.
Gulf States Insurance Company Pros and Cons:
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Gulf States Insurance Products by Type
Here's an overview of the products offered by Gulf States Insurance.
Personal Insurance:
- Homeowners insurance
- Flood insurance
Gulf States Insurance Home Insurance
Gulf States offers all the standard protection you need in its homeowners insurance policies. The carrier's home policies come with loss of use, personal liability, medical payments to others, dwelling, contents, and other structures coverage.
Gulf States Insurance also offers many options to customize and enhance your policy with additional coverage. Just a few of the carrier's extra coverage options are detailed below.
Coverage types, features, & benefits:
Service line
Gulf States Insurance offers optional coverage to protect against damage or destruction and other issues stemming from your home's service lines, such as underground piping.
Golf cart
Gulf States Insurance offers optional golf cart coverage, which includes physical damage and liability protection.
Identity fraud
Gulf States Insurance offers optional identity fraud coverage, which can pay for losses stemming from the policyholder's identity being stolen.
Increased business property
Gulf States Insurance also offers the option for policyholders to increase their coverage limits on business property stored at home, which can provide greater repairs or replacements after a covered disaster.
Gulf States Insurance Home Insurance Average Prices
Gulf States Insurance does not make information about its average home insurance premiums readily available. An independent insurance agent can provide you with exact quotes for Gulf States Insurance home insurance. You can also get a better idea of how much a homeowners insurance policy might cost you by using our home insurance calculator.
What Discounts Does Gulf States Insurance Offer?
Gulf States Insurance does not make information about its specific discounts readily available. However, an independent insurance agent can help find these details for you. Independent insurance agents work hard to find you the most affordable coverage that provides all the protection you need.
Gulf States Insurance Customer Service
Here's an overview of Gulf States Insurance's customer service options and availability.
- Phone
- Fax
- Snail mail
- Online contact form
The customer service phone department has the following hour restrictions:
| Day(s) | Hours (EST) | ||
| Monday-Friday | 8 a.m.-5 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
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Gulf States Insurance FAQs
Gulf States Insurance does not make a specific claims response time frame promise. Customers are encouraged to contact their insurance agent to file a claim.
Gulf States Insurance is available during usual business hours during the week, and allows customers to also contact them via email, fax, and snail mail.
Gulf States Insurance allows customers to file claims via phone or email. Customers are urged to contact their independent insurance agents to initiate the claims process.
Gulf States Insurance's official website would benefit from adding a bit more detail about its claims process and discounts. Gulf States Insurance also does not have as extensive a social media presence as many other modern insurance companies, appearing only on LinkedIn. Customers also don't have the option for 24/7 claims reporting or online claims reporting. So overall, Gulf States Insurance falls a bit behind in the user-friendliness department.
Gulf States Insurance offers several forms of coverage, including homeowners insurance. The carrier offers the basic expected protections in standard homeowners insurance policies, along with the following endorsement options:
- Specified additional amount of insurance for dwelling coverage
- Equipment breakdown coverage
- Personal property replacement cost coverage
- Limited water backup and sump discharge or overflow coverage
- Identity fraud coverage
- Scheduled personal property
- Mandatory evacuation loss of use coverage
- Service line coverage
- Increased ordinance or law coverage
- Personal injury protection
- Increased limits on business property
- Golf cart physical damage and liability coverage
An independent insurance agent can help you find more information about Gulf States Insurance's homeowners policies, as well as their many other products offered.
Gulf States Insurance is a younger carrier and is not rated by AM Best. However, the carrier has an "A" or "exceptional" rating for financial strength by Demotech, Inc. The insurance company is also rated highly by the BBB. Customer feedback is somewhat mixed, which makes it difficult to declare Gulf States Insurance Company a good insurance provider overall.
Gulf State Insurance's products may be right for customers seeking home insurance, flood insurance, or dwelling fire insurance. Coverage is only available in Alabama, Louisiana, and Mississippi currently.
https://www.gulfstatesinsure.com/
https://www.bbb.org/us/la/lafayette/profile/homeowners-insurance/gulf-states-insurance-1045-90015307/customer-reviews