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// UMBRELLA INSURANCE
Umbrella Insurance in Louisiana
What happens when your other policies aren't enough? Umbrella coverage is the safety net most Louisiana families don't know they need. $1M+ in extra liability protection starting around $40-100/month.
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Umbrella Insurance: Affordable Extra Liability Coverage in Louisiana
A single serious accident can result in a lawsuit that exceeds your home or auto insurance limits, and in Louisiana's litigious legal environment, it happens more often than you'd think. An umbrella policy provides an extra layer of liability protection that sits on top of your existing home, auto, and watercraft policies, covering costs that go beyond those limits.
Even with recent rate increases across the industry, umbrella insurance remains one of the most impactful purchases you can make relative to the protection it provides. If you own a home, drive on Louisiana roads, have a pool, or employ household workers, umbrella insurance is something every agent in Louisiana recommends.
$1M+
Coverage
From $40
Per Month
Extra $1M-$5M in liability protection above your existing policies.
Covers legal defense costs, settlements, and judgments.
Extends over home, auto, watercraft, and rental property policies.
Protects your savings, investments, and future earnings from lawsuits.
// WHAT'S COVERED
What Umbrella Insurance Covers
Auto Accident Liability
If you cause a serious car accident and the damages exceed your auto policy limits, your umbrella policy pays the difference, including medical bills, lost wages, and pain and suffering.
Homeowner Liability
Covers lawsuits from injuries on your property that exceed your homeowners liability limit, like a guest falling on your steps or a dog bite incident.
Legal Defense Costs
Attorney fees, court costs, and expert witnesses add up fast in Louisiana lawsuits. Your umbrella policy covers legal defense even if the lawsuit is frivolous.
Landlord Liability
If you rent out property in Louisiana, umbrella insurance extends liability protection beyond your landlord policy limits.
Defamation & Slander
Covers claims of libel, slander, and defamation of character. These are situations that your standard home and auto policies typically exclude.
Watercraft Liability
If you boat on the lakes and waterways across Louisiana, an umbrella policy extends your liability coverage for boating accidents beyond your watercraft policy limits.
Why Louisiana Families Add Umbrella Coverage Through Chabert
Bundle & Save
We can bundle your umbrella policy with your existing home and auto coverage for a multi-policy discount, making the extra protection even more affordable for Louisiana families.
Lawsuit-Prone State
Louisiana is consistently ranked one of the most litigious states in the country. An umbrella policy is especially important here, where lawsuits frequently exceed standard policy limits.
Coverage Gap Analysis
We review your home, auto, and other policies to identify where your liability limits fall short, then recommend the right umbrella amount to close those gaps.
Get Your Umbrella Quote
Or call (225) 395-4000 to talk to a local agent.
Louisiana Umbrella Insurance FAQ
Umbrella insurance is an extra layer of liability protection that kicks in after your home, auto, or watercraft policy limits are exhausted. In Louisiana, where lawsuits from car accidents and property injuries frequently exceed $300K-$500K, an umbrella policy protects your savings, investments, home equity, and future earnings from being seized in a judgment. If you own a home, have significant assets, or simply want peace of mind, umbrella insurance is one of the smartest purchases you can make.
Umbrella premiums have gone up across the board in recent years, especially in Louisiana. A $1 million umbrella policy typically costs $500-$1,200 per year depending on your risk profile. Each additional million usually adds $100-$300 per year. Even at today's rates, the protection it provides, covering legal defense, settlements, and judgments above your existing policy limits, makes it one of the best values in insurance.
A general guideline is to have umbrella coverage equal to your net worth, including your home equity, savings, investments, and retirement accounts. For most Louisiana families, $1M-$2M is a solid starting point. If you have a pool, a teenage driver, rental properties, or a boat, we may recommend $2M-$5M. We'll review your assets and risk profile to recommend the right amount.
Umbrella insurance covers liability, not damage to your own property. It won't cover your own medical bills, damage to your car, or repairs to your home. It also typically excludes intentional acts, business-related liability (you'd need a commercial policy for that), and workers' compensation claims. It's designed to protect your assets when someone else sues you for damages that exceed your other policy limits.
Yes. Umbrella insurance requires underlying home and auto policies with minimum liability limits, typically $300K-$500K on your home and 250/500/100 on your auto. If your current limits are lower, we'll help you adjust them as part of the umbrella setup. The small increase in your home/auto premiums is more than offset by the broad protection the umbrella provides.
Call us at (225) 395-4000 or stop by our office on Sherwood Forest Blvd in Baton Rouge. We'll review your existing home, auto, and other policies, assess your liability exposure, and recommend the right umbrella amount. The application process is quick, and most families can be covered within a few days.
Still have questions? Call (225) 395-4000 or get your free quote.
Umbrella Insurance Guides & Resources
Explore our latest articles to learn more about umbrella insurance in Louisiana.
