Home Insurance Baton Rouge – The Brignac Group

Home Insurance Baton Rouge

Home insurance Baton Rouge with The Brignac Group is a dream come true. We understand there’s nothing more personal than home insurance Baton Rouge that covers your home and your valuable possessions. 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.

Contact The Brignac Group when you want superior service and a trusted insurance partner for your personal home insurance Baton Rouge. We are the final piece to your personal home insurance Baton Rouge puzzle.

Home Insurance Baton Rouge

What’s included in a Home Insurance Baton Rouge Policy?

  • Coverage A, Dwelling – Protects your house and any attached structures, such as garages or carports.
  • Coverage B, Other Structures – 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 – 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.  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.
  • Coverage D, Loss of Use – Handles the cost of additional living expenses while your home is being repaired due to a covered loss.
  • Coverage E, Personal Liability – 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 – 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.

What’s the difference between Actual Cash Value and 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.

Protect your home with the most affordable home insurance Baton Rouge – (225) 292-1100

I have been a client of The Brignac Group for many years.  I recently got married.  My spouse was insured elsewhere.  We bundled our home, auto, boat, and RV insurance.  Happy to say The Brignac Group is our agency of choice.

Lynn from Lafayette, LA

Purchased an older home that was totally remodeled recently.  Unlike other companies, The Brignac Group was able to use a construction date of 2017.  A huge savings in insurance cost!

Neal from New Orleans, LA

During the aftermath of the Great Flood of 2016, my agent was present when my claims adjuster visited my home to assess the damages.  My agent was involved every step of the way during the remodel process.  Thank you The Brignac Group for going above and beyond in helping me.

Dennis from Denham springs, LA

Life insurance was confusing to me.  The Brignac Group provided simple explanations to the types of insurance and made sure I purchased the best type of plan for the right purpose and need.

Joe from Prairieville, LA