The Brignac Group is a full-service, independent Baton Rouge insurance agency.
We are positioned to provide the most competitive home insurance Baton Rouge policies in the marketplace, whether your home is of new construction, older home or even of “high value” home construction.
Protects your house and any attached structures, such as garages or carports.
Protects structures that are not attached to the home, such as a detached (separate) garage, storage or utility shed, playground equipment, swimming pools, outdoor kitchens, and arbors.
Covers your possessions, whether they are at your home or away with you on vacation. Personal property is often covered on a named peril basis. This means that only the causes of loss listed in the policy section are covered. (see note below)
Handles the cost of additional living expenses while your home is being repaired due to a covered loss.
If you are legally responsible for causing property damage or physical injury. Protection includes paying for your defense costs and any financial judgment for covered incidents.
Provides reimbursement for minor injuries, such as a guest who trips and falls while visiting your home. This coverage does not apply to a family member.
NOTE: Types of property with significant value (jewelry, fine arts, collectibles, etc) may require special protection. Talk to us about scheduling (adding) coverage on a floater/rider which broadens and extends coverage for high-valued possessions.
Commonly, protection under sections A and B is provided on either an actual cash value or a replacement cost basis.
Check your policy to see which type of coverage you have.