Baton Rouge Condo & Townhome Protection
Condo Insurance
Your condo association's master policy insures the building's shell and common areas — not your finishes, belongings, or personal liability inside the unit. Condo insurance (HO-6) fills that gap for Baton Rouge owners from Perkins Rowe to Prairieville, with clear coverage for hurricanes, theft, and everyday risks.
What Is Condo Insurance (HO-6)?
Condo insurance — typically written on an HO-6 form — protects what you own inside your condominium or townhome: interior improvements (often from the walls inward), your personal property, loss of use if the unit is uninhabitable after a covered loss, and personal liability if someone is injured inside your unit or you damage another person's property. In Louisiana, wind and hurricane damage are central concerns; flood damage is not included on a standard HO-6 and requires a separate flood policy. The Root Agency helps you coordinate your HO-6 with the association's master policy so you are not underinsured after a storm or fire.
Coverage Options
Learn More About Your Coverage
Interior / Build-Out Coverage
Covers improvements and betterments you own inside the unit — flooring, cabinets, fixtures — per your association documents and master policy (often "walls-in" or "single entity").
Personal Property
Furniture, electronics, clothing, and valuables on a named- or broad-perils basis; scheduled items (jewelry, art) may need endorsements.
Personal Liability
Protects you if a guest is injured in your unit or you accidentally cause bodily injury or property damage subject to policy limits.
Loss of Use (Additional Living Expenses)
Helps pay temporary housing and extra costs if a covered claim makes your condo uninhabitable.
Loss Assessment (Optional)
May help when the association levies a special assessment after a covered loss to common property, when your policy includes this coverage.
Medical Payments to Others
Pays small medical bills for guests injured in your home, regardless of fault, up to policy limits.
Why The Root Agency
Why Choose Us for Condo Insurance?
The Root Agency reviews your association's master policy and bylaws with you so your HO-6 limits match real rebuild and assessment exposure — especially important in hurricane-prone Louisiana. As Baton Rouge's top-rated Allstate agency, we bundle condo with auto and umbrella coverage when it saves you money and closes liability gaps.
- Read the Master Policy Summary: Know whether the association covers "all-in," "single entity," or "bare walls" — your HO-6 limits should reflect what you must insure.
- Do Not Skip Flood Coverage: Standard condo insurance does not cover flood. If you are in a low or high-risk zone, ask about NFIP or private flood options.
- Inventory and Photos: Document finishes and belongings to speed claims after wind, water, or fire damage.
- Bundle Auto + Condo: Multi-policy discounts often apply when you combine condo (HO-6) with auto through Allstate.
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