Personal Insurance

( Home & Auto )

Auto Insurance

Auto insurance should be more than just an agreement for payment if your car is damaged. It should be a contractual relationship for protection—coverage for your vehicles, your passengers, and your liability for damage or injury. It doesn’t have to be complex, but it should be complete.

At Total Risk Advisors, LLC Insurance, we consider all your risks—whether that includes high-end sports cars or a minivan full of your children’s teammates. We even have programs for clients who use the services of in-home childcare, such as a nanny or au pair. Our personal auto insurance policies are highly adaptable to your particular circumstances.

We offer a complete line of auto coverage including collision insurance, which covers damage to your car if you cause an accident; comprehensive insurance, which responds when something beyond your control hits your vehicle, such as a tree or road debris; coverage for your passengers; and underinsured and uninsured motorist insurance that pays for damage and injury caused by a driver with too little or no insurance. We, of course, offer state-mandated liability insurance that covers costs you are responsible for, and we go beyond, providing you options to increase your auto liability protection through increased limits or even umbrella insurance.

For car insurance in Louisiana and Texas, look to Total Risk Advisors, LLC as your advocate and partner.

Let our Best Practices Agency pave the way to better auto insurance for you.

At Total Risk Advisors, LLC, we are the Trusted Choice for personal insurance, financial services, commercial insurance, and employee benefits for businesses, individuals and families in Louisiana and Texas. We have been serving the region for nearly 5 years and invite you to join the Total Risk Advisors, LLC Insurance family. Call us at (713)659-0796 or come by and visit us.

Auto Insurance – Teachers Insurance

Auto Insurance – Teachers Insurance Plan Texas

At Total Risk Advisors, LLC Insurance, we have been dedicated to supporting our community for nearly 100 years. Part of that commitment is finding the best insurance programs available for individuals, families and businesses in Louisiana, TX, and the wider community.

In that vein, Total Risk Advisors, LLC has been appointed with the Teachers Insurance Plan of Texas (TIPTX)—a competitive auto-only insurance program available exclusively to teachers. We are proud to offer this special car insurance program to our educators, including Texas residents who work for or are retired from an accredited school, district or diocese, plus members of the Texas Parent Teacher Association (TXPTA). TIPTX offers car insurance with full property and liability coverage, but it also offers additional options, including free roadside assistance, special claims services that assist with transportation and claims handling, and zero deductibles for comprehensive and collision incidents that happen at school.

Teachers’ Insurance reflects Total Risk Advisors, LLC’s deep community values as well, providing grants and scholarships to participating school districts, donating supportive funds to schools across the state, and working to improve safety in neighborhoods and school zones.

For a quote or to learn more, visit www.plymouthrocknj.com/teachers-insurance.

At Total Risk Advisors, LLC, we are the Trusted Choice for personal insurance, financial services, commercial insurance, and employee benefits for businesses, individuals and families in Louisiana and Texas. We have been serving the region for nearly 5 years and invite you to join the Total Risk Advisors, LLC Insurance family. Call us at (713)659-0796, email us, or come by and visit us.

Home Owner’s Insurance

When you think of being a homeowner, do you think of one residence that houses your family and most of your possessions? Or do you think of multiple dwellings, including a primary residence as well as property used for vacations, work travel, or a young-adult child? No matter what your real estate portfolio looks like, Total Risk Advisors, LLC Insurance has appropriate property insurance for you.

We offer homeowners insurance from Louisiana to Texas and in all the surrounding communities. Our policies can be basic, with property and liability coverage for damaging events, such as windstorm, fire, theft, vandalism or injury, or they can be more complex, taking into account high-end collections, such as art, silver, wine, jewelry and more. If your risks of injury to visitors are elevated because of a pool, trampoline, or a certain breed of dog, we can find a policy for you.

We can also enhance your protection with flood insurance, earthquake insurance or umbrella insurance, which expands coverage beyond the limits of your underlying policies. Our liability policies can cover legal defense if you or your family should be brought into a lawsuit alleging that you’re responsible for injuries or property damage to others, and we offer enhancements suited to homes that employ domestic help or have special insurance needs .

We are deeply committed to our local communities.

At Total Risk Advisors, LLC, we are the Trusted Choice for personal insurance, financial services, commercial insurance, and employee benefits for businesses, individuals and families in Louisiana and Texas. We have been serving the region for nearly 5 years and invite you to join the Total Risk Advisors, LLC Insurance family. Call us at (713)659-0796, email us, or come by and visit us.

Umbrella Insurance

Auto Insurance – Teachers Insurance Plan Texas

If you own a car or a home, you almost surely already have some liability insurance that will help pay for costs associated with injuries to someone else or damage to their property that you are found responsible for. Often, though, even good insurance policies have inadequate levels of liability coverage.

The cost of medical care and new vehicles, especially high-end models, seems to be growing exponentially. If you cause a multi-vehicle accident or are found responsible for serious or permanently debilitating injuries to someone, you could be facing astronomical liability expenses—both in legal fees and restitution. What’s more, in today’s culture of social media, your risk of being sued for defamation or other personal injury is increasing.

Rather than leave your personal assets open to liability lawsuits, you can choose to enhance your personal liability insurance coverage through an umbrella insurance policy through Total Risk Advisors, LLC Insurance. As the name suggests, this kind of policy extends overtop your homeowners, renters, auto, RV or other personal insurance liability coverage and provides additional funds to cover liability costs. In some cases, you can even buy umbrella insurance that covers things that are excluded by other policies.

If you own rental property or have special risks, such as extensive entertaining, a swimming pool, or hunting property to name a few, you may find an umbrella policy particularly beneficial.

A liability allegation can drain your assets—even if you’re innocent.

At Total Risk Advisors, LLC, we are the Trusted Choice for personal insurance, financial services, commercial insurance, and employee benefits for businesses, individuals and families in Louisiana and Texas. We have been serving the region for nearly 5 years and invite you to join the Total Risk Advisors, LLC Insurance family. Call us at (713)659-0796, email us, or come by and visit us.