Condo Insurance for Houma, Louisiana Condo Owners

Clement Insurance Agency | Serving Houma, New Orleans & South Louisiana

Optional Add-Ons

Ask us about rental reimbursement, roadside assistance, and gap coverage — extras that make real-life driving easier.

What Your Policy Should Cover

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Interior Unit Coverage (Walls-In)

Protects everything from the drywall in—floors, fixtures, appliances, and upgrades inside your condo.

Personal Property

Covers the contents of your unit—furniture, electronics, clothes, and valuables—against theft, fire, and other risks.

Loss of Use

Pays for living expenses if your condo becomes unlivable after a covered loss, so you have a place to stay while repairs are made.

Personal Liability

Covers you if you’re found responsible for injury or damage to someone else’s property within your unit.

Loss Assessment

Helps pay your share if the condo association charges owners for major repairs or damage not fully covered by the master policy.

Who Needs Condo Insurance?

If you own a condo in Houma or New Orleans, your condo association’s master policy only covers the building’s exterior and common areas—not your unit or personal property. Clement Insurance Agency helps condo owners understand what’s covered, what’s not, and how to fill the gaps with tailored coverage for your space and your belongings.

Need help reviewing your condo policy?
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How the Process Works

Step 1

Review your association’s master policy and your condo’s unique features.

Step 2

Get clear, side-by-side coverage options from top carriers.

Step 3

Set up the policy that fits—no pressure, just practical advice.

Step 4

Ongoing local support if you ever need to file a claim or update your coverage.

Frequently Asked Questions

  • What does condo insurance cover that my HOA policy doesn’t?

    The HOA master policy covers the exterior and shared spaces. Your personal condo policy covers the inside of your unit and your belongings, plus your liability.

  • Do I need flood insurance for my condo in Houma or New Orleans?

    Yes, if you’re in a flood-prone area. Most master policies do not include flood coverage. We can explain your risks and help you get the right protection.

  • What’s “loss assessment” coverage?

    It helps pay for special assessments your association may charge for damages to shared property or liability claims—protection many condo owners overlook.

  • Why choose Clement Insurance in Houma?

    You get advice tailored to your building, your unit, and the unique risks in Houma, New Orleans, and across South Louisiana.

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Ready to Get Started?

Get clarity, local expertise, and condo coverage that fits your needs. Clement Insurance Agency is here for condo owners in Houma, New Orleans, and South Louisiana. Request your condo insurance quote today.