Condo Insurance in Louisiana — Your Unit, Your Belongings, Your Liability
Condo ownership comes with a unique insurance situation. Your condo association's master policy covers the building structure and common areas—but it does not cover the interior of your unit, your personal belongings, or your personal liability. Condo insurance (also called an HO-6 policy) is specifically designed to fill those gaps.
AIP Best Rate's licensed agents help condo owners across Louisiana understand what their HOA's master policy covers and what it leaves exposed—then build a personal condo policy that addresses the difference. We work with multiple carriers to find the best available rate for your unit and its contents.
What's Typically Covered
Why Choose AIP Best Rate?
Understanding the gap between your HOA master policy and your personal condo policy is one of the most important steps a condo owner can take. AIP Best Rate helps condo owners across Louisiana navigate this complexity and get properly covered.
- Skilled, fully trained, and licensed insurance professionals
- Free quotes — no obligation
- Multiple carriers so we find your best rate
- Serving Louisiana communities since day one
- Three convenient office locations — Monroe, Shreveport, and Columbia
Frequently Asked Questions
Does my condo association's insurance cover my belongings?
No. Your condo association's master policy covers the building structure, common areas, and sometimes the original fixtures—but it does not cover your personal belongings, any improvements you have made to the unit, or your personal liability. A personal condo policy (HO-6) covers what the master policy leaves exposed.
What is loss assessment coverage, and do I need it?
Loss assessment coverage pays your portion of a shared loss that your HOA assesses to all unit owners—for example, when a major covered event damages common areas and the repair cost exceeds the association's coverage limits. In Louisiana, where storm damage is a real and recurring risk, loss assessment coverage is an important component of a condo policy.
How do I know what my HOA master policy covers?
Your HOA should provide a certificate or summary of the master policy to all unit owners. Our agents can review that document with you to identify exactly where your personal condo policy needs to begin. This is one of the most valuable services we provide to condo owners—understanding the layering of coverage so nothing falls through the gaps.
