Condo Insurance in Baton Rouge

Serving Customers Across Louisiana Since 1968

If you own a condo in Louisiana, condo insurance (also called an HO-6 policy) is essential to protect your personal property, interior walls, and liability. At Lewis Mohr Insurance, we help condo owners across Baton Rouge and beyond find comprehensive, affordable condo insurance tailored to your needs and budget.

Get a Quote
condo bedroom
5 Stars
I love the fact that Gretchen found a lower insurance rate without being prompted to review my policy. She saved me close to $700 a year.
–
Johanna G.
5 Stars
Brittany was able to save me almost half off the rate I was getting with my previous provider, while still keeping the same coverage! Fast and easy to work with. Highly recommend Brittany with Lewis Mohr!
–
Layne S.

Why Choose Lewis Mohr Insurance Agency

Get a Quote

Top Questions About Condo Insurance in Louisiana Answered

Answered by
,
Updated on
Jul 25, 2025
Get a Quote

Resources to Explore

What Condo Insurance Usually Covers

  • Personal Property: Coverage for your furniture, electronics, clothing, and other belongings from perils like fire, theft, vandalism, smoke, and water damage (excluding flood).
  • Dwelling Interior: Protection for your unit’s interior structures, including walls, ceilings, floors, cabinetry, and upgrades not covered by the condo association’s master policy.
  • Liability Protection: Covers legal and medical expenses if someone is injured inside your condo or if you accidentally damage someone else’s property.
  • Loss of Use / Additional Living Expenses: Pays for temporary housing and living costs if your condo becomes uninhabitable due to a covered loss.
  • Medical Payments to Others: Covers minor medical expenses for guests injured on your property, regardless of fault.
  • Optional Coverages: Scheduled personal property (for valuables like jewelry or art), identity theft protection, and water backup coverage.

Did You Know?

Nearly 40% of condo owners nationwide are underinsured or unaware of gaps in their condo insurance policies, especially around interior coverage and personal property — risks that are especially critical in hurricane-prone states like Louisiana.
National Association of Insurance Commissioners, 2022

What Condo Insurance Usually Doesn't Cover

  • Damage from floods caused by storms or rising water levels; flood insurance must be purchased separately.
  • Losses caused by earthquakes or ground movement unless you add a specific earthquake endorsement.
  • Damage from pest infestations such as termites, rodents, or bed bugs, which are considered maintenance issues.
  • Structural elements covered by the condo association’s master policy, including exterior walls, roof, elevators, and common areas.
  • Damage caused by wear and tear, gradual deterioration, or neglect.
  • Business property or equipment used for commercial purposes inside your unit, which may require separate coverage.
  • Damage or loss caused intentionally by the policyholder.