Aaron Edwards Insurance Agency

Call now: 318-228-8202

Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.


Insurance for cars, trucks, boats and more!

Aaron Edwards Insurance Agency can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too!


Liability insurance is what the state requires to register your vehicle. The minimum limits for Louisiana is 15/30/25. That means if you are in an at fault accident your policy will pay up $15,000 for bodily injury per person, $30,000 bodily injury per accident and $25,000 property damage per accident. Any injuries or damages above your liability limits you can be sued personally for. It is important that you have enough liability coverage. Limits up to $2MM available.


o Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your liability coverage.


To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost. Comprehensive Insurance (Other than Collision) covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.


Every person is unique – talk to us today to find out how to get the best price and value on auto insurance for you.

Aaron Edwards Insurance Agency - Call for a quote today at (318) 228-8202


Home Insurance


Your home is the center of your daily life, and one of your most valuable assets. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Aaron Edwards Insurance Agency can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Insurance for All Kinds of Homes Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Call us for more information today!


What you need to know about homeowners insurance. Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you. Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses. Aaron Edwards Insurance Agency is here to help you find the right insurance for your home. Whether you’re a home or condo owner, a renter, or a landlord, we will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.


Your home insurance policy is most often made up of the specific options you choose, so how much you'll pay for your policy depends on: • What you select. Oftentimes homeowners insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy. • How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss. • Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.


o Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your liability coverage.

The Right Coverage. The Right Price. The Right Value


The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.

Protection for Your Home Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

Protection for You and Other People Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.

Medical Coverage This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Additional Living Expenses If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.

Protection for Your Belongings Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss. Scheduled Personal Property Coverage If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.

If You Rent Out Your Home Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Protect the Things that Matter to You Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.


Every home is unique – contact us today to find out how to get the best price and value on homeowners insurance for you


Life Insurance


Life insurance is a crucial step in planning for your future. Not only can life insurance provide assurance for your family if you are no longer around, there are life insurance policies that offer benefits while you are living.


How much life insurance is right for you?


We understand the life insurance needs of our customers. The necessity of life insurance depends on your own personal and financial needs. At Aaron Edwards Insurance Agency we assist and help you determine the type and amount of life insurance that is appropriate for you and your family. Generally, you should consider life insurance if: • You have a spouse • You have dependent children • You have an aging parent or a physically challenged relative who depends on you for support • Your retirement savings are not enough to insure your spouse’s future against a rising cost of living • You have a sizable estate • You own a business

Additional benefits of life insurance other than providing for your loved ones, in case something happens to you include: • The cash value earned and borrowed from a permanent life insurance policy can be used to help with large expenses, such as a college education or down payment on a home. • The growth of a cash-value policy is tax-deferred — you do not pay taxes on the cash value accumulation until you withdraw funds from the policy. • Life insurance can be used to cover funeral expenses and pay estate taxes — consult your tax advisor for more information.


The right coverage for you is unique – talk to us today at Aaron Edwards Insurance Agency (318) 228-8202, and find out how to protect your family and your future with the right life insurance.