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Louisiana Condo insurance coverage

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Condo Insurance in Louisiana

Condo ownership presents you with many opportunities to enjoy a safe and comfortable lifestyle. Before moving in, contact your Bright Auto Insurance agent in New Orleans, LA to purchase condo insurance for your newly acquired investment. Your association’s master insurance policy generally protects your building and common areas. An individual condo insurance policy will protect your interests by safeguarding your Louisiana condo and personal goods against unforeseen disasters. Condo insurance will also protect you against liability claims in case someone has an accident on your property.

Here’s what an individual condo insurance policy can do for you.

Dwelling Coverage – Dwelling coverage will cover the interior structure of your condo to include walls, floors, cabinets, lights, carpeting, and built-in appliances. Whatever came with your condo in the way of interior structures will be covered. If a kitchen fire destroys your kitchen cabinets or built-in appliances, your dwelling coverage will cover repair or replacement costs.

Property Coverage – Property coverage protects your goods from clothing to jewelry, furniture to electronics, carpentry tools to sports equipment and more. By making a home inventory, you’ll know exactly what you have and what each item is worth. A home inventory will help you make a claim something is stolen or destroyed in a covered peril.

Liability Coverage – If you enjoy having guests over to your condo, you’ll need liability coverage to protect you against the risk of accidents. You never know when accidents will happen. If an elderly aunt falls down the stairs and lands in the hospital with a broken hip, liability insurance will cover her medical costs. With doctor and hospital bills at an all-time high, it’s good to know you’re protected against accidental injuries that may occur on your property.

Although condo insurance isn’t mandatory in Louisiana, it can go a long way toward protecting your assets against catastrophes. To learn more about condo insurance protection and costs, contact Bright Auto Insurance in New Orleans, LA.


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