Insurance Tips & Advice for Louisiana Families
Clear, local guidance to help you protect what matters — without the confusion.
At TWFG Landeche Insurance, we believe insurance shouldn’t be confusing or stressful — especially here in Louisiana, where life can throw a few curveballs. Whether you’re protecting your home from hurricanes, insuring your family car, or thinking about life insurance for the first time, we’re here to break it all down in plain English.
This blog is your go-to spot for:
✔ Straightforward advice on all kinds of insurance
✔ Tips for saving money & avoiding common pitfalls
✔ Local insights tailored for Louisiana residents
✔ Answers to real questions from folks just like you
We’ve been serving our community for over 20 years — and we’ve learned a lot along the way. So grab a cup of coffee, and let’s make insurance feel a whole lot easier (and maybe even a little less boring).
Have a question you’d like us to cover? Reach out anytime!
If I don't have insurance, can I still sue an at-fault driver in Louisiana?
In Louisiana, the answer is yes, but with a massive financial penalty that often makes suing pointless for minor or moderate accidents.
Under Louisiana's updated "No Pay, No Play" law (HB 434), if you are driving without the state-required liability insurance, you are barred from collecting the first $100,000 of bodily injury damages and the first $100,000 of property damage repairs—even if the accident was 100% the other driver's fault.
What’s the most effective way to lower my flood insurance premium in Louisiana?
Opening your flood insurance renewal notice can be daunting for Louisiana residents. Trust me, you're not alone. With rising costs and FEMA's new rating system, many of the homeowners I speak with feel frustrated and helpless, facing a massive bill they feel they have no control over.
When Does Homeowners Insurance Cover a Trailer?
Does homeowners insurance cover a trailer in Louisiana? Learn about when homeowners insurance covers trailers and when you need separate trailer coverage.
How Much Is Car Insurance in Louisiana per Month? Find out!
Wondering “how much is car insurance in Louisiana per month”? We'll break down rates by age, coverage, and location so you can budget with confidence.
Top Landlord Insurance Options for Louisiana Rentals
Explore landlord insurance options in Louisiana—compare coverages, protect rental income, and get expert help choosing the right policy for your property.
Louisiana Flood Insurance Rate Map & Cost Guide (2025)
Learn how Louisiana's flood insurance rate maps affect your cost. Discover what coverage costs in high-risk vs. low-risk zones & get money-saving tips.
What Does Renter's Insurance Cover? Louisiana's #1 Guide.
What does renters insurance cover? This simple guide breaks down what’s included, what’s optional, and what Louisiana renters really need to stay protected.