Condo Insurance in Louisiana —

Quotes & Coverage Guide

Do you know what your condo association’s policy doesn’t cover? We’ll help you get protection for your cabinets, counters, flooring, personal belongings, and more.

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Condo insurance in Louisiana is unique. While your condo association likely carries a master policy to cover shared areas and the building’s exterior, that policy stops at your front door. That means YOU are responsible for protecting everything inside your unit.

Landeche Insurance offers custom Louisisana condo insurance (also called HO-6 policies) designed to cover what your association doesn’t — your personal property, interior fixtures, and liability.

We’ll help you compare condo insurance quotes so you can choose a policy that fits your budget and your lifestyle.

Young couple carrying boxes into a condominium. They're smiling. She's wearing a white shirt with a bright pink sweater. He's wearing a plaid shirt. They look relieved to have condo insurance in Louisiana.

Why You Need Condo Insurance in Louisiana

Your condo association’s policy covers the building exterior & shared spaces — but not the inside of your unit.

That means you’re responsible for things like:

✔ Cabinets, flooring, countertops

✔ Furniture, clothes, electronics

✔ Hotel stays if your place is unlivable

✔ Liability if someone gets hurt in your unit

💡 And since Louisiana is no stranger to storms & flooding, we can add extra protection like flood or water backup coverage.

If it’s inside your walls — it’s on you to insure it. We’ll help you cover the gaps your HOA doesn’t.

Inside view of condominium. Dark wood accents contrast with a white marble floor. A bowl of fruit sits on the table and four black chairs surround the table. This is the kitchen view.

What Does Louisiana Condo Insurance Cover?

Your condo policy is designed to protect the parts of your home that your association’s policy doesn’t touch. Here’s what’s typically covered:

  • 🛋️ Your belongings
    Covers your furniture, clothing, electronics, kitchenware & more.
    Example: A power surge damages your TV and laptop.

  • 🏠 Interior finishes
    Includes cabinets, countertops, flooring, and built-ins.
    Example: A kitchen fire scorches your cabinets and tile floor.

  • 🛑 Liability protection
    If someone is injured inside your unit or you accidentally cause damage to another unit.
    Example: A guest slips on your wet floor.

  • 🏨 Loss of use
    Pays for hotel stays or temporary housing if your condo becomes unlivable due to a covered loss.
    Example: A pipe bursts and floods your unit.

  • 💦 Optional flood or water backup add-ons
    Extra protection for Louisiana weather risks.
    Example: Stormwater backs up into your unit or a nearby lake floods.

Mockup of a condo building with trees and cars in front. A man sitting at a desk with a calculator to calculate the price of condominium insurance in Louisiana. He has a condo key in his hand and a woman's hand is picking up the key.

Why Louisiana Condo Owners Trust TWFG Landeche Insurance

✔ 20+ years helping Louisiana condo owners statewide.

✔ We break it down in plain English — no jargon.

✔ Affordable quotes from top-rated insurers.

✔ We’re independent — we work for you, not one company.

✔ Expertise in Louisiana-specific risks like hurricanes & flooding

Not sure what you need? We’ll help you with your condo insurance in Louisiana based on your needs and risks. Call/text us at 504-228-7184.

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“Amazing agency. Ronald was the most helpful agent I have had yet. Extremely knowledgeable and willing to go the extra mile to help answer your questions and get the best rate that they can get for you.”

— Rebecca Pons

FAQs

Common Questions About Louisiana Condo Insurance

  • The association’s policy usually covers the exterior & shared areas. Yours covers the interior of your unit and your belongings.

  • Most policies run between $300–$700/year — we’ll get you accurate quotes based on your location & unit type.

  • Not automatically. We can add flood coverage or a water backup rider depending on your risks.

  • Yes. Without it, you’re on the hook for damage to your property, theft, or liability claims.

Get a Free, No-Obligation Quote

Simple. Fast. Local.

Just fill out our quick form or call/text us at 504-228-7184. One of our licensed agents will reach out with options tailored to your condominium insurance needs and goals—no spam, no pressure.

Need coverage your HOA doesn’t provide?

Let’s fix that. Don’t guess what’s covered — let us help you get it right.

👉 Call 504-228-7184 or Request Your Quote Now