We Believe in Insurance That Puts People First

We put you first by treating you like family. We are People First Insurance Family.

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Treating you like family.

A lot of places may say that, but we mean it. We are People First Insurance Family, and putting people first is what we’re all about. We got our start in the midst of the epidemic and the aftermath of Hurricane Laura, and because we’ve been there and seen that, we’re dedicated to fighting for you to help you get the insurance you need.

Taking insurance to a whole new level.

Insurance doesn’t have to be boring. With us, it isn’t. In fact, we do everything we can to give you a positive experience with your insurance every step of the way. When it comes to helping you find quality and affordable insurance coverage, you can trust that we’ll leave no stone unturned when we go to work for you. It’s just who we are.

People First Insurance Family

Finally, an insurance agency that puts you first.

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Don’t Just Take Our Word for It

See what our clients have said about People First Insurance Family.

“Amazing people that want to save you money not just sell you insurance. People First saved me and my wife $2,500 a year. Definitely recommend them to anyone and everyone.”

-Justin Nation

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We’re proud to help families and businesses find insurance that meets their unique needs. From personal insurance to business insurance, we’re here to guide you every step of the way.

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When Mother Nature Strikes, You Need to be Prepared

We specialize in providing flood insurance for homeowners and businesses alike throughout Louisiana and Texas. Make sure you protect what matters most by having coverage that meets your needs.

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Insuring Louisiana and Texas

From our local office in Lake Charles, LA, we help people and businesses across Louisiana and Texas with their insurance. We’re here to help you, too! Get in touch with us to get started.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
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What It Means to Be Part of the Family

Here’s how we go above and beyond when it comes to fighting for your insurance needs.

We Fight for You

We’ve been there and seen that, so we know what it takes to help you protect what’s important in your life.

We Put You First

We’re all about treating you like family because we truly care about you and your peace of mind.

We Make Insurance Fresh

We take a fresh approach to insurance to make your experience a positive one, every step of the way.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

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Lake Charles, LA

1107 Enterprise Boulevard
Lake Charles, LA 70601

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