Insurance Baton Rouge

A personal Insurance Update

People buy insurance to protect their assets from loss.  Typically, that includes homeowner’s insurance, auto insurance, life insurance, and a personal health policy.  However, there are other kinds of personal insurance that you may not have considered.  A balanced personal insurance program may consist of some of the following kinds of coverage.

Flood insurance. Depending on where you live, you may need to consider this kind of disaster insurance.

Home based business insurance. If you operate a business from home, your homeowner’s insurance will not cover this.  You will need a business insurance policy.

Sewer backup coverage. Your homeowner’s insurance will cover water damage from a cracked pipe (per the terms of your policy), but if your sewer is backed up from outside your home, you may have a gap in coverage.

Personal umbrella. A personal umbrella policy will provide limits of coverage over and above your homeowner’s and auto insurance.  If you own a boat, pool, ATV, or own your home, you may want to consider a personal umbrella policy.

Identity theft. Identity theft insurance covers your out of pocket expenses such as legal fees and other expenses to clear up your personal records.

Fourrier Agency would not be where it is today without superb customer service.  Our late founder, Larry Fourrier, started in the insurance business in 1946.  His work ethic, devotion to clients, and leadership in the community played an instrumental role in developing the proper relationship that must exist between an agent and his or her client. We have an extraordinary team to carry on those same founding principles and to place service to the client above all else.

 

Posted 11:46 AM  View Comments

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