Home Insurance
Covington, LA
At TWFG Luarca Insurance, we specialize in providing affordable home insurance tailored to the unique needs of homeowners in Covington, Louisiana. We assist those who may live in high-risk areas or have faced challenges securing coverage with other insurers.
Homeowners Insurance in Covington LA
While Homeowners insurance is essential for protecting your property from unexpected losses, many homeowners in Louisiana feel they may be paying too much for their coverage. At TWFG Luarca Insurance, we simplify the shopping process, guiding you on how to effectively compare quotes, identify key information, and choose the coverage that fits your needs—ensuring you're only paying for what you truly require.
Why Choose TWFG Luarca Insurance?
Save Up to 25%:
Benefit from significant savings on your insurance through bundling your homeowners, auto, or other policies.​
Flexible Payment Plans:
Enjoy the freedom to choose how and when you pay, making your insurance more manageable.
24/7 Access to Your Policy:
Easily access your policy and auto ID cards, file claims, submit service requests, and contact your agent anytime.
Steps to Compare Homeowners Insurance
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Liability Insurance CoverageLiability insurance is required by law to cover property damage or bodily injuries resulting from an accident you cause. However, it does not cover injuries you or your family; for that, you will need Personal Injury Protection and Medical Payments coverage. Additionally, Liability coverage does not protect your vehicle, which is where Collision and Comprehensive coverages come into play. These extra options can prevent hefty expenses following an accident. Minimum Required Liability Coverage in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) $25,000 for Property Damage You can always choose higher limits for added protection.
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Uninsured/Underinsured Motorist CoverageLouisiana Law requires insurance carriers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage, however it is not a mandatory component of your auto insurance policy. This coverage protects you in the event of an accident caused by a driver lacking insurance or insufficient coverage. Minimum Required UM/UIM Coverage in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) You can select higher limits if you desire increased protection.
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SR-22 InsuranceSR-22 insurance serves as a liability document for high-risk drivers. It demonstrates your financial responsibility and guarantees coverage for a specified period. If your policy is canceled or lapses, your insurer must notify the Louisiana Office of Motor Vehicles (OMV). Louisiana law requires an SR-22 in certain situations. It is typically mandated by the state for drivers who have: Been convicted of driving under the influence (DUI) or driving while intoxicated (DWI). Had their license suspended or revoked due to serious traffic violations. Been involved in an accident without proper insurance coverage. If you fall into one of these categories, you must obtain an SR-22 from your insurance provider, which will be filed with the Louisiana Office of Motor Vehicles (OMV). It's important to maintain the SR-22 for a specified period, usually three years, to avoid further penalties or license suspension.
Compare Home Insurance in Louisiana
As an independent insurance broker, TWFG Luarca Insurance partners with leading home and auto insurance companies across the state. By entering your address, you can access free home insurance quotes from our partners, giving you the freedom to select the best coverage without hassle.
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Start Saving on Homeowners Insurance
in Covington, LA
With TWFG Luarca Insurance, you can save time by viewing multiple home insurance quotes at once, making informed decisions by comparing rates and coverage options side-by-side, or speaking with a licensed in-house agent to ask questions. Best of all, our services are completely free, and we respect your preferences—no unsolicited messages or pressure to choose a quote that doesn’t meet your needs.