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.
Get Your Insurance Quote
As an independent agency, we are here to help you find the right coverage.
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
Need insurance? We’re here to help.
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.
Personal Insurance
Trusted advice and insurance solutions to protect what matters most.
Business Insurance
Coverage and risk management solutions for companies of all sizes.
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.
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.
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.
Interactive Graphic
Click it. Read it. Cover it.
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.
Solution
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. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Solution
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
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 care plan.
Solution
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
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.
Solution
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.
Transportation Expenses / Rental Coverage
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.
Solution
Transportation expenses/rental coverage 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
Make sure you cover the unique risks you face with auto insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
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