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Condo Insurance for Louisiana Unit Owners
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Why Condo Owners Need Special Coverage
Fill the Gaps in the Master Policy
Your association’s master policy usually handles the building shell and common areas. Your HO-6 policy covers the interior of your unit, your belongings, personal liability, and loss of use. We review bylaws for “bare-walls” or “all-in” language, then set the right interior dwelling limit for Lakeview, Warehouse District, and Metairie high-rise owners.
What A Condo Policy Covers
Interior Unit, Contents, and Assessments
Dwelling coverage pays for cabinets, flooring, fixtures, and built-ins. Personal property covers what you own. Liability protects you if a kitchen fire or water leak affects neighbors. Loss assessment helps when the HOA levies a covered assessment after a major claim or high hurricane deductible. We coordinate with Homeowners insurance concepts and compare how an Umbrella insurance policy can raise your liability limit.
FAQ – Condo Insurance
Answers Before You Close
How much interior coverage do I need?
It depends on what your master policy covers. We calculate the walls-in rebuild cost.
Are short-term rentals covered?
Not by default. Tell us if you host so we can adjust coverage.
What about flood in a condo?
The association may carry a building flood policy. You can add contents flood coverage for your unit.
Protection Beyond the HOA
Custom Coverage for Louisiana Condo Owners
Condo insurance fills the gaps your HOA policy doesn’t cover—protecting your unit, your possessions, and your liability.