Your auto and home policies have a ceiling. An umbrella raises it.
Every auto and home policy has a liability limit. Most of the time, that's plenty. But one bad moment can create a claim much bigger than the limit: a multi-car wreck on I-10 or US-90, a guest badly hurt at a crawfish boil by the pool, a dog bite that needs surgery. When the damages run past what your policy pays, the rest can come from you, including your savings, your home equity and even future wages.
A personal umbrella is a separate liability policy that sits on top. Here's a round-number example. Say you cause an accident with $850,000 in damages and your auto liability limit is $300,000. Without an umbrella, the $550,000 difference is your problem. With a $1 million umbrella above the auto policy, that gap may be covered, subject to the policy terms.
Louisiana's minimum auto liability limits, 15/30/25, are among the lowest numbers you'll see on a policy, and they're far below what a serious injury claim can cost. Under the 2025 reforms, a person found 51% or more at fault can't recover damages, and below that, recovery is reduced by their share of fault. If you cause the crash, the other side's damages are yours to answer for. That's why an umbrella is usually paired with higher limits on the policies underneath it.
Umbrella coverage tends to cost less than people expect for the protection it adds. We set up the personal umbrella policy alongside your home and auto coverage so the layers fit together, for families in Houma, Thibodaux, Morgan City, Lafayette, Broussard, Youngsville and across Terrebonne, Lafourche and Acadiana.
