The top-rated condo insurance agent in Lake Charles, Louisiana is Madison Crain - State Farm Insurance Agent, rated 5.0 stars across 289 reviews. Other highly rated options include Hight-Doland Agency: Allstate Insurance, Tuwanna Guillory-August: Allstate Insurance, Freeway Insurance. This directory lists 20 condo insurance agents serving Lake Charles.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Madison Crain - State Farm Insurance Agent | 4080 Nelson Rd Ste 900 | (337) 477-3830 |
| 2 | Hight-Doland Agency: Allstate Insurance | 3405 Lake St | (337) 474-2020 |
| 3 | Tuwanna Guillory-August: Allstate Insurance | 1700 E Prien Lake Rd Ste 1 | (337) 305-7676 |
| 4 | Freeway Insurance | 3303 Ryan St | (337) 573-6008 |
| 5 | Kelly Lee Insurance | 3205 Ryan St | (337) 656-2890 |
| 6 | Direct Auto Insurance | 3419 Ryan St | (337) 475-0123 |
| 7 | Goosehead Insurance - James Bice | 417 W College St | (337) 313-2603 |
| 8 | Goosehead Insurance - Garet Berry | 113 W Sallier St | (337) 347-7022 |
| 9 | Goosehead Insurance - Jeff Jones | 4216 Lake St | (225) 960-4370 |
| 10 | Scotty Mathews Ins Agcy Inc | 4640 Nelson Rd | (337) 474-0865 |
Madison Crain - State Farm Insurance Agent in Lake Charles, LA provides a range of condo insurance services, including coverage for personal property, liability protection, and loss of use. A service plan helps condominium owners secure policies tailored to their association’s master policy gaps. Maintenance plans are not offered by the agency, though routine policy reviews are conducted to adjust coverage as needed. The agency services single-family homes, apartments, retail spaces, and restaurants.
Hight-Doland Agency: Allstate Insurance serves the Lake Charles, Louisiana area as a dedicated condo insurance agent. The agency assists condo owners and associations in finding suitable coverage for their specific needs. Policies typically address the unique circumstances of shared-wall living and common area responsibilities. The agency handles individual unit owner policies and master association insurance programs. They also help clients review coverage for personal property and interior structural upgrades.
Tuwanna Guillory-August: Allstate Insurance serves homeowners, property managers, and associations seeking comprehensive condo insurance in Lake Charles, Louisiana. The agency helps clients protect their individual units and shared building structures, offering coverage for personal belongings, liability, and common area assessments. Renters and second-home owners also receive guidance on policies tailored to their specific needs. The agency extends its services to neighboring Sulphur and surrounding areas within Calcasieu Parish, ensuring local property owners have convenient access to professional condo insurance solutions.
Freeway Insurance offers both one-time and scheduled services for condominium policy needs in Lake Charles, Louisiana. The company provides specialized coverage tailored to protect individual unit interiors and personal property from common perils. Condo insurance here typically safeguards against risks like water damage, theft, and liability within the shared building structure. Service operates on a scheduled basis, allowing clients to set regular policy reviews and updates throughout the year.
Kelly Lee Insurance serves Lake Charles and the surrounding communities of Southwest Louisiana, handling a full range of condo insurance needs for local property owners. The agency manages policies that cover individual unit interiors, personal liability, and loss assessments from the building’s master plan. It works to match coverage with the specific requirements of each condominium association’s bylaws. To handle a typical job, the agent reviews the client’s existing master policy details and structures a supplemental plan that fills any identified gaps in protection.
For a condo in Lake Charles, one-time service options typically handle individual policy adjustments, while a recurring service choice provides ongoing coverage reviews. Direct Auto Insurance works as a local condo insurance agent, helping owners protect their unit from common risks like water damage and liability concerns. Coverage recommendations are always matched to the specific needs of a Lake Charles condominium property. Service for existing clients generally runs on an as-needed basis, with policy checks available whenever a lifestyle change or renewal occurs.
Goosehead Insurance - James Bice specializes in providing tailored condo insurance policies for owners in Lake Charles, Louisiana. It structures coverage to protect individual units, common area assessments, and personal liability exposures that come with condo association requirements. The agency works with clients to review master policy gaps and recommend appropriate dwelling and contents limits. During hurricane season, it helps secure wind and hail endorsements to address storm damage concerns specific to lakefront and coastal property risks common in this region.
In the hurricane-prone Lake Charles area, securing a condo policy before storm season is essential, and Goosehead Insurance - Garet Berry helps local owners navigate their specific coverage needs. The agency focuses on matching each unit’s dwelling and liability requirements with appropriate plans. A thorough initial assessment of the property’s structure and association rules always precedes the generation of a personal policy quote.
Goosehead Insurance - Jeff Jones provides residential condo insurance services for property owners in Lake Charles, LA, tailoring policies to protect individual units and shared structures. Commercial coverage is also available for condominium associations seeking liability or common-area protection. The agency serves clients throughout the Lake Charles area, addressing local weather and liability concerns unique to coastal condominium living. The team emphasizes clear policy explanations and claims assistance, offering follow-up service after each renewal to ensure coverage evolves with the property between regular visits.
What Does a a Condo Insurance Agent in Lake Charles Cost?
Condo insurance in Louisiana typically costs between 300 and 800 dollars per year for a standard HO-6 policy. Premiums can be higher in Lake Charles due to hurricane and flood risk. Factors include the unit value, deductible amount, and coverage limits. This is general information and not insurance advice.
About condo insurance agents in Lake Charles
Condo insurance agents in Lake Charles Louisiana help condominium owners find coverage for their personal property and interior walls. Louisiana law requires condo owners to have an HO-6 policy that covers gaps in the master association policy. Local agents understand the specific risks in Southwest Louisiana including hurricane and flood exposure.
Frequently Asked Questions
What does a condo insurance agent in Lake Charles do?
A condo insurance agent helps you find an HO-6 policy that covers your personal belongings and interior improvements. They also explain how your policy works with the condo associations master insurance policy.
Is condo insurance required by law in Louisiana?
Louisiana law does not require condo insurance by statute, but most mortgage lenders require an HO-6 policy. Many condo associations also require unit owners to carry liability coverage.
How does Louisiana law affect condo insurance claims?
Louisiana has a one-year prescriptive period for filing insurance claims after a loss. This means you have one year from the date of the loss to file a lawsuit if your claim is denied.
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