Personal Lines Information
Louisiana Personal Insurance
Serving Baton Rouge, New Orleans and surrounding areas in Louisiana since 1929
Our Personal Lines Department writes a full range of coverages for Louisiana's residents for their properties within Louisiana and elsewhere. As an independent agent, we represent many excellent insurance companies who offer a variety of products to meet your individual requirements. These coverages include and are not limited to:
When insurance is focused on protecting the financial interests of an individual or family, rather than a corporate or non-profit entity, it is considered to fall within the personal lines of insurance. There are many different types of protection offered within personal lines, some of these include:
- Home Insurance: This is a policy designed to assist with expenses related to certain hazards, such as fire, hurricane and theft, which can devastate or damage a home or its contents. Home insurance also covers the liabilities homeowners have so that when someone is hurt on their property, they can rely on their policy for medical costs, legal costs and damages.
- Car Insurance: Required by law in the state of Louisiana, and several other states, car insurance provides protection to both vehicle owners and individuals who are injured or experience property damage at the hands of drivers. Auto insurance policies can be structured to cover the damages of the insured's vehicle through comprehensive and collision coverage as well as uninsured/underinsured motorist coverage. A policy must also meet the minimums of each state's laws by providing bodily injury and property damage liability coverage that protects those who might be unintentionally injured or damaged by the insured.
- Renters Insurance: When renting an apartment, an individual may not need to provide insurance to protect the structure itself, but they do need coverage for their personal contents since the landlord does not cover those. Additionally, they should secure liability insurance to cover medical costs and damages in the event a visitor is injured while in their apartment.
- Umbrella Policies: When the liability limits of other personal policies aren't enough, individuals can purchase an umbrella policy to provide $1 million or more in additional liability coverage. Just one umbrella policy effectively increases the liability limits of each of the insured's other policies.=/li>
Personal Lines Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Personal Lines Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.