Gulf States Insurance Company Review

We've looked at over 1,000 insurance companies rating them on strength, accessibility, and service to find the best ones. Here's what people think about Gulf States Insurance.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


Gulf States Insurance Company at a Glance

  • Founded in 2017
  • Offers several types of coverage
  • Coverage only available in Louisiana
  • Rated "A+" (excellent) by the Better Business Bureau (BBB)

Gulf States Insurance pros: High rating by the BBB. Several types of coverage available.

Gulf States Insurance cons: Coverage only offered in one state. Not rated by AM Best. Mixed customer feedback. Website needs more detailed information.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does Gulf States Insurance Offer?

Here's an overview of the products offered by Gulf States Insurance.

  • Homeowners insurance
  • Flood insurance
  • Equipment breakdown insurance
  • Service line insurance
  • Dwelling fire insurance

Your independent insurance agent can help you find more information about the coverages offered by Gulf States Insurance, and help you decide if this insurance company is right for you.

What to Know about Gulf States Insurance

Gulf States Insurance was founded in 2017, giving the carrier just under five years worth of experience in the insurance industry. The insurance company is headquartered in Louisiana and currently only offers its coverage within the state. Gulf States Insurance offers several forms of coverage, including homeowners insurance and flood insurance.

The carrier's LinkedIn social media network states that they employ between 11-50 workers. Gulf States Insurance is not rated by AM Best, the leading global credit organization monitoring the insurance industry, but they do have an extremely high rating of an "A+" through the Better Business Bureau. High ratings through the BBB indicate an insurance company's credibility and reliability. 


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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 still gets the job done right.

Gulf States Insurance Customer Service

Here's an overview of Gulf States Insurance's customer service options and availability. 

  • Phone contact option
  • Fax contact option
  • Email contact option
  • Snail mail contact option

Hours (EST)

Monday-Friday 8 am - 5 pm

Saturday 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.

Gulf States Insurance FAQ

What is Gulf States Insurance's average claim response time frame?

Gulf States Insurance does not make a specific claims response time frame promise.

What is Gulf States Insurance's customer service availability?

Gulf States Insurance is available at usual business hours during the week, and allows customers to also contact them via email, fax, and snail mail.

What is Gulf States Insurance's claims process?

Gulf States Insurance allows customers to file claims via phone or email. Their official website states the following about their claims process:

"Your agent is also a good resource during the claims process and should be notified when you experience a loss that you are seeking to report. You can find your agency name, address, and number on your declarations page. We also provide an agent look up tool on our home page for your convenience."

Does Gulf States Insurance create a user-friendly experience for customers?

Gulf States Insurance's official website is extremely well polished, intuitive, and easy to navigate. However, the carrier would benefit from adding a bit more detail about its claims process and discounts. Gulf States Insurance also does not have as extensive of a social media presence as many other modern insurance companies'.

Does Gulf States Insurance have good homeowners insurance?

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, as listed on their official website.

  •  Specified additional amount of insurance for coverage A/dwelling
  •  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.

Is Gulf States Insurance a good insurance company?

Gulf States Insurance is a younger carrier, and is not rated by AM Best. The insurance company is rated highly by the BBB, however. Customer feedback is somewhat mixed, which overall makes it difficult to declare Gulf States Insurance Company to be a good insurance provider.

Gulf States Insurance Customer Reviews

Better Business Bureau
This is a fly by night company. They are unresponsive via both telephone and email and do not care about their customers. 110% do not recommend. If you have a claim they will not assess it fairly. The inspectors they use, along with the engineers will level with you and tell you that they have only been in business for 4 years and are cheap and will not pay out what they should. I have had experience with other insurance companies in the past and those experiences VASTLY outshine my experience with Gulf States.

Better Business Bureau
My wife & I filed a roof claim with Gulf States Ins. due to some damage that a recent storm caused. They sent a 3rd party adjuster out to assess the damage. ~1 week later the adjuster company sent us a denial letter stating that the damage was not sufficient (< our deductible to repair). We talked with 2 different roofing contractors that both agreed that the roof was in fact not repairable. A week or so after receiving the denial letter from the adjuster, we received a "Notice of Cancellation" letter from Gulf States due to our roof's condition. These two forms of documentation contradict one another: the denial letter would lead one to believe that there isn't much damage while the Notice of Cancellation letter would lead one to believe that the condition of the roof is too risky to insure.

Better Business Bureau
5 Stars
Solid Company, easy to work with, and great customer service!

Better Business Bureau
5 Stars
I have had an opportunity to work with many insurance carriers throughout the country, both as a claim adjuster and as an agent. Gulf States has been one of THE BEST. They have an amazing team, available underwriters who answer call promptly, a management team always trying to make a better way, and a claim force that is efficient and effective. The company is run by experienced, smart, and innovative management team, which manages the development and growth of the company meticulously. Having been in the insurance industry for 30+ years, I absolutely recommend Gulf States Insurance!

Better Business Bureau
Wouldn't let me rate a 0. Worst company I've ever dealt with. Beware!! You will regret even thinking about this company!'s Final Review

We award Gulf States Insurance a final rating of 2.5 out of 5 stars. The carrier is one of the younger insurance providers around today, and is not rated by AM Best. Though the insurance company is highly rated by the BBB, there are some mixed customer reviews, which is concerning.

Gulf States Insurance currently only offers its coverage in one state, as well. Its official website could benefit from more information about the carrier's coverage, discounts, and claims process. Overall, we recommend looking into several options for your next trusted insurance carrier along with your independent insurance agent, and perhaps skip looking into Gulf States Insurance.

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