Primary Office
88 Highland Ave
Oneonta, AL 35121
Office Hours
Mon–Fri, 8:00 AM - 5:00 PM

About the Agency

L&M Total Coverage is an independent insurance agency located at 88 Highland Ave in Oneonta, AL. As an independent agency, L&M Total Coverage represents multiple insurance carriers, allowing them to compare coverage options and pricing across providers rather than being limited to a single company's products.

L&M Total Coverage serves personal, commercial and life clients throughout the Oneonta, AL area.

What We Offer

32 lines of Business

Personal

ATV
Automobile
Boat
Builders Risk / Construction
Collectible Auto
Condo
Earthquake
Farm
Flood
Health
Home
Identity Fraud
Landlord
Mobile Home
Motorcycle
Personal Watercraft
Pet
RV / Motorhome
Renters
Short-Term / Sharing
Travel Trailer
Umbrella
Vacant Land
Valuable Items

Commercial

Business Owners Package (BOP)
Business Vehicle
General Liability
Property

Life

Annuities
Disability Income
Life
Long Term Care

Alabama insurance requirements

State minimums for Alabama drivers

Alabama law requires all drivers to carry minimum liability coverage. An independent agent licensed in Alabama can help you meet state minimums and find coverage that fits your situation.

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

Office Location

L&M Total Coverage
88 Highland Ave
Oneonta, AL 35121