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At TWFG Laurca Insurance, we are dedicated to providing personalized insurance solutions that meet the unique needs of our clients. Our mission is to offer comprehensive coverage, exceptional service, and peace of mind. With a focus on integrity and trust, we strive to build lasting relationships with our clients, ensuring that they are well-protected and supported through every stage of life.
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- SASara AntillApr 24, 20255.0Sean has been our family’s insurance agent for over 10 years, and a trusted friend for more than 25. He’s personable, down-to-earth, and genuinely committed to helping his clients. Over the years, he’s helped us with everything from auto and recreational insurance to home and investment property coverage. What really stands out is his honesty and attention to detail. He always takes the time to walk us through our options and explain things clearly—no matter how many questions I have (and there are usually a lot!). On more than one occasion, he’s even recommended staying with another provider if it meant a better rate for us. That kind of integrity is rare and truly appreciated. Sean is consistently responsive, helpful, and goes above and beyond to make sure we’re taken care of. We feel lucky to have him in our corner.
- BCBeth CristinaApr 4, 20255.0Very attentive and great agency
- KKKristenApr 3, 20255.0Excellent customer service, knowledgeable, helpful, and always quick to respond with any questions regarding policies.
- BBBApr 3, 20255.0Sean does ask a lot of questions to get you the best possible insurance on your home, business, and car. He is very responsive to your needs. I don’t write many reviews but I can wholeheartedly recommend Sean.
- DCD CaillNov 16, 20245.0Sean's the goto for all insurance needs
Frequently Asked Questions About TWFG Luarca Insurance
What’s the difference between replacement cost and actual cash value?
Replacement cost pays to replace or repair damaged property with new equivalents, ignoring depreciation. Actual cash value accounts for depreciation, reducing the payout based on the item’s age and condition.
Can home and auto insurance be bundled for a discount?
Yes, most insurers provide discounts for bundling home and auto policies, often saving 10-25% on premiums.
How does a credit score affect insurance rates?
Insurers may use credit-based insurance scores to predict claim likelihood. Better credit often leads to lower premiums, as it suggests lower risk.
What is an independent insurance agent?
An independent agent works with multiple insurers to compare policies and find the best coverage and rates tailored to your needs.
Should insurance be bought through an agent or online?
Agents provide personalized guidance and handle complex needs, while online platforms offer convenience and quick comparisons. Choose based on your comfort with research versus expert advice.
What discounts are available?
Common discounts include safe driver, multi-policy, home security, good student, and paid-in-full options. Ask your insurer for a full list.
What kind of car insurance coverage is needed?
Coverage depends on state laws and personal needs. Typical options include liability (required in most states), collision, comprehensive, and uninsured/underinsured motorist protection.
How much car insurance is needed?
Consider state minimums, asset value, and financial risks. Higher coverage protects against lawsuits or costly repairs, especially for valuable vehicles.
What’s the difference between collision and comprehensive insurance?
Collision covers damage from crashes, regardless of fault—comprehensive covers non-collision incidents like theft, vandalism, or weather-related damage.
How does a deductible affect a premium?
Higher deductibles equal lower premiums but increase out-of-pocket costs during claims. Balance affordability with your ability to pay if an incident occurs.
What happens if someone else drives my car and has an accident?
If the driver has your permission, your insurance typically covers them, but details vary by policy. The driver’s insurance may also apply in some cases.
What does a standard homeowner's insurance policy cover?
A standard home insurance policy typically protects your home’s structure, detached structures (e.g., sheds), personal property, and liability for injuries or damage on your property.
How much home insurnace coverage is needed?
Ensure dwelling coverage matches the cost to rebuild your home. Add enough for personal belongings and liability based on your assets and risks.
Am I covered for the replacement cost or the actual cash value of my home?
Homeowner's insurance policies may offer replacement cost (full rebuild/repair cost) or actual cash value (rebuild cost minus depreciation). Check your policy or ask your insurer.
Is flood and earthquake insurance needed?
Standard homeowner's policies exclude flood and earthquake damage. If you live in a high-risk area, consider purchasing separate policies for these perils.
What are the exclusions on the policy?
Exclusions vary but often include floods, earthquakes, wear and tear, or intentional damage. Review your policy’s fine print for clarity.
Is life insurance really needed?
If others depend on your income (e.g., spouse, children), life insurance ensures their financial stability after your passing.
How much life insurance is needed?
Calculate based on income, debts, future expenses (e.g., college), and dependents’ needs. A common rule is 7-10 times your annual income.
What’s the difference between term and permanent life insurance?
Term life covers a set period (e.g., 20 years) at lower costs. Permanent life lasts your lifetime and may build cash value, but premiums are higher.
Will life insurance provide living benefits?
Some policies include riders, like accelerated death benefits, allowing access to funds for terminal illness or long-term care. Confirm with your insurer.
What questions will be asked during the life insurance application process?
Expect questions on age, health, family medical history, lifestyle (e.g., smoking, hobbies), occupation, and income to assess risk and premiums.
What type of health insurance plan is it?
HMOs require a primary care provider and referrals, offering lower costs but less flexibility. PPOs allow broader provider choices but often have higher premiums.
Will current doctors be usable?
Verify if your doctors are in-network to avoid higher out-of-network costs. Check the plan’s provider directory before enrolling.
What are the benefits and exclusions of healthcare?
Benefits typically include doctor visits, hospital stays, and preventive care. Exclusions may include cosmetic procedures or experimental treatments. Review the policy details.
How much will medical care cost?
Costs depend on premiums, deductibles, copays, and coinsurance. Compare plans to balance monthly costs with out-of-pocket expenses for care.
Will prescription drugs be covered?
Most plans cover prescriptions, but check the formulary to confirm your medications are included and at what cost (e.g., copays or coinsurance). For personalized advice or policy details, consult an insurance agent or your provider to ensure you fully understand your coverage options.