The Brignac Group is a full-service, independent Baton Rouge insurance agency.
A Personal Umbrella insurance policy is inexpensive and can be set up to protect you against serious injury and property damage claims made against you.
Most automobile accidents and injuries at home are fairly insignificant. If a claim is made against you, your auto and homeowners insurance is sufficient to pay for the damages or injuries you caused.
But there are times when more serious accidents take place and the typical auto and homeowners policy limits of $300,000 or $500,000 are not enough to pay the for the damages.
These are the times where a Personal Umbrella insurance policy will save the day, not to mention your hard-earned assets.
The amount does vary by carrier, however, for about $250 per year, you can buy a $1 million policy. The policy can be increased in million dollar increments where offered by the carrier. Coverage limits vary from carrier to carrier.
... we advise you to purchase a Personal Umbrella insurance policy with a MINIMUM of $1,000,000 coverage, including the uninsured and underinsured motorist (UM/UIM) injury protection. UM/UIM coverage pays for injuries you and your family sustain from an accident caused by the owner or operator of an uninsured or underinsured vehicle. Excess UM/UIM from a Personal Umbrella insurance policy pays after the auto policy’s UM/UIM limits have been exhausted.
Umbrella insurance Baton Rouge policies generally provide additional liability coverage for the following underlying policies: