The top-rated condo insurance agent in Lafayette, Louisiana is Michael Smith - State Farm Insurance Agent, rated 4.9 stars across 507 reviews. Other highly rated options include Bradley Beck - State Farm Insurance Agent, Leauxcal Insurance Agency, LLC, Terry Romero Wofford - State Farm Insurance Agency. This directory lists 20 condo insurance agents serving Lafayette.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Michael Smith - State Farm Insurance Agent | 2308 Kaliste Saloom Rd ste Saloom Rd | (337) 981-3472 |
| 2 | Bradley Beck - State Farm Insurance Agent | 1105 Ambassador Caffery Pkwy | (337) 406-2510 |
| 3 | Leauxcal Insurance Agency, LLC | 101 W Farrel Rd 5 Suite 101 | (337) 484-1171 |
| 4 | Terry Romero Wofford - State Farm Insurance Agency | 2200 W Congress St | (337) 232-4451 |
| 5 | Chase Desormeaux - State Farm Insurance Agent | 109 Energy Pkwy ste b | (337) 232-7359 |
| 6 | Ideal Insurance, LLC | 102B Woodvale Ave | (337) 205-7433 |
| 7 | TSL Insurance Group | 210 Rue Fontaine | (337) 262-0511 |
| 8 | Liggio Insurance Agency | 3909 Ambassador Caffery Pkwy Building C | (337) 989-2323 |
| 9 | Complete Insurance Solutions of La | 101 Feu Follet Rd # 205 | (337) 735-7613 |
| 10 | Core Insurance Solutions | 91 Settlers Trace Blvd Bld 3 | (337) 267-7963 |
Bradley Beck - State Farm Insurance Agent in Lafayette, LA, provides comprehensive coverage for condominium owners, including policies for personal property, liability protection, and building alterations. The agency assists clients in selecting appropriate plans that align with individual lifestyle needs and property values. It services single-family homes, apartments, retail spaces, and restaurants, ensuring tailored insurance solutions for diverse residential and commercial property types.
Leauxcal Insurance Agency, LLC serves homeowners, property managers, and condo owners in Lafayette, Louisiana. It provides condo insurance policies designed to protect individual units and shared common areas from risks like fire, theft, and liability claims. The agency assists clients with navigating coverage options for personal property and building components. Its services also extend to clients in neighboring areas such as Broussard, helping residents around the Lafayette metro secure proper protection for their condominium investments.
Serving Lafayette, LA, and the surrounding communities, Terry Romero Wofford - State Farm Insurance Agency handles condo insurance for local homeowners and investors. The agency provides coverage options suited to condominium associations and individual unit owners, addressing property protection and liability concerns common in the area. Its typical approach involves assessing a client’s specific building structure and personal belongings to tailor a policy that meets local requirements.
Some condo insurance needs are addressed with a one-time policy purchase, while other situations call for recurring coverage adjustments to match changing property laws or personal risk. At Chase Desormeaux - State Farm Insurance Agent in Lafayette, LA, all condo insurance services are structured to provide liability protection and dwelling coverage for common building structures and interior elements. Policies also cover personal belongings and loss of use. Service availability for this local agency operates on an as-needed basis, allowing clients to schedule an appointment whenever a specific insurance question or renewal arises.
Specializing in tailored policies for condominium associations and individual unit owners, Ideal Insurance, LLC advises on coverage gaps between master and interior policies in Lafayette, LA. The agency routinely assesses building regulations and common area exposures to recommend appropriate liability limits for condo dwellers. It also assists clients in navigating claims for shared amenities after storms. Expecting seasonal hurricanes, the company proactively reviews wind and flood deductibles to prepare property holders for potential storm damage.
When hurricane season threatens Lafayette, LA, condo owners need a clear policy review to confirm their coverage matches current building assessments and HOA master policy terms. TSL Insurance Group works directly with local condominium associations and individual unit owners, providing localized guidance on internal contents versus shared structure liabilities. They help clients navigate common coverage gaps that arise after storms or renovations in this region. The initial process always begins with a thorough visual inspection of the unit’s condition and the client’s existing policy documents.
Liggio Insurance Agency, based in Lafayette, LA, provides residential condo insurance designed to protect individual units and personal property. They also offer commercial coverage for condominium associations or investors within the Lafayette area. Their professionals help clients understand typical policy elements such as dwelling coverage, liability, and loss assessment. They aim to address claim questions or policy adjustments that arise between regular visits, ensuring clients receive follow-up support.
Complete Insurance Solutions of La works with property owners needing tailored coverage for individual condominium units and shared building elements. It supplements standard policies with optional protections for special assessments, loss assessments, and interior improvements that common homeowner policies often exclude. The agency can serve commercial sectors including office complexes, warehouse facilities, and food service establishments requiring specialized liability and property endorsements for their unique operational exposures.
Serving residential clients with a focus on condo policies, Core Insurance Solutions provides coverage options for property and liability needs in Lafayette, Louisiana. Commercial insurance services are also available for local business owners seeking protection for their assets. Operating throughout the Lafayette area, the company assists clients with policy selection tailored to individual building structures. Regular communication ensures coverage keeps pace with changing property values, encouraging customers to return for policy reviews between routine visits and renewal periods.
What Does a a Condo Insurance Agent in Lafayette Cost?
Condo insurance in Louisiana typically costs between 300 and 800 dollars per year for a standard HO-6 policy. Factors include the unit value location deductible and coverage limits. Flood insurance through the NFIP adds 400 to 1000 dollars per year depending on flood zone. This is general information and not insurance advice.
About condo insurance agents in Lafayette
Condo insurance agents in Lafayette Louisiana help owners protect their unit and personal property. Louisiana law requires condo associations to have master policies but individual unit owners need separate HO-6 coverage. Local agents understand the specific risks in Lafayette including hurricane and flood exposure.
Frequently Asked Questions
What does a condo insurance agent in Lafayette do?
A condo insurance agent helps you find an HO-6 policy that covers your unit interior personal property and liability. They explain the difference between the master policy and your individual needs. They also advise on flood insurance which is not included in standard condo policies.
Do I need condo insurance if the association has a master policy?
Yes you still need your own HO-6 policy. The master policy typically covers the building shell and common areas. Your policy covers your interior walls fixtures personal belongings and liability. Louisiana law does not require unit owners to carry insurance but mortgage lenders usually do.
How does Louisiana law affect condo insurance requirements?
Louisiana Revised Statute 9:1123.102 requires condo associations to maintain property insurance on the common elements. However this does not cover individual units. Unit owners should review their association documents to understand what is covered and what they must insure themselves.
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