The Brignac Group is a full-service, independent Baton Rouge insurance agency.

(225) 292-1100

The Brignac Group - A Baton Rouge Insurance Agency
The Brignac Group - A Baton Rouge Insurance Agency
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  • More
    • Home
    • About
      • About TBG
      • Meet Team Brignac
    • Personal Insurance
      • Auto Insurance
      • Home Insurance
      • Fire Insurance
      • Life Insurance
      • Flood Insurance
      • Umbrella Insurance
      • Renter's Insurance
      • Motorcycle Insurance
      • RV Insurance
      • Boat Insurance
    • Business Insurance
      • General Liability
      • Commercial Property
      • Commercial Auto
      • Workers Comp

(225) 292-1100


  • Home
  • About
  • Personal Insurance
  • Business Insurance
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The Brignac Group - A Baton Rouge Insurance Agency

home insurance

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.

What’s included in a Home Insurance Policy?

COVERAGE A - DWELLING

COVERAGE C - PERSONAL PROPERTY

COVERAGE B - OTHER STRUCTURES

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 Protects your house and any attached structures, such as garages or carports.

COVERAGE B - OTHER STRUCTURES

COVERAGE C - PERSONAL PROPERTY

COVERAGE B - OTHER STRUCTURES

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 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.

COVERAGE C - PERSONAL PROPERTY

COVERAGE C - PERSONAL PROPERTY

COVERAGE C - PERSONAL PROPERTY

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 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)

COVERAGE D - LOSS OF USE

COVERAGE E - PERSONAL LIABILITY

COVERAGE C - PERSONAL PROPERTY

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 Handles the cost of additional living expenses while your home is being repaired due to a covered loss.

COVERAGE E - PERSONAL LIABILITY

COVERAGE E - PERSONAL LIABILITY

COVERAGE E - PERSONAL LIABILITY

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 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.

COVERAGE F - MEDICAL PAYMENTS

COVERAGE E - PERSONAL LIABILITY

COVERAGE E - PERSONAL LIABILITY

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 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.  

what's the difference?

actual cash value vs. replacement cost

 Commonly, protection under sections A and B  is provided on either an actual cash value or a replacement cost basis.

  • Actual cash value is defined as replacement cost minus depreciation. 
  • Replacement cost is the actual cost to replace the structure, regardless of depreciation. 


Check your policy to see which type of coverage you have. 

AT THE BRIGNAC GROUP, OUR GOAL IS TO EXCEED YOUR EXPECTATIONS. CALL (225) 292-1100.

Copyright © 2021 The Brignac Group - A Baton Rouge Insurance Agency - All Rights Reserved.

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