CONDO & CO-OP / METAIRIE & THE NEW ORLEANS AREA
A shared building.
A home that’s yours.
From the details you’ve chosen to the belongings you’ve brought along, your home deserves a closer look. Kati Cheek Insurance helps you explore condo insurance in Metairie and the New Orleans area.
Have a co-op? Start with a conversation about your ownership documents and policy eligibility.
THE FIRST CONVERSATION
Start with the home.
Then read the paperwork.
Bring the association’s insurance information and governing documents alongside your own policy. Ask which parts of the home each document addresses, what you are responsible for, and where questions remain.
01
The building
Ask for the association’s current insurance information and the documents describing insurance responsibilities.
02
Your unit
Discuss your interior improvements and belongings, then review the proposed policy’s covered events and limits.
03
The details between
Ask about deductibles, exclusions, and how the policies would respond to the same incident.
A POLICY BUILT AROUND THE UNIT
Details worth
opening up.
A familiar form name is a starting point. The actual policy tells you what is insured.
HO-6
LDI identifies HO-6 as the condominium form.
01 Interior improvements
Condominium unit-owner coverage can address interior improvements and contents. Ask which fixtures, finishes, or upgrades the proposed policy insures; do not assume every interior feature is included.
02 Personal belongings
Review protection for your furniture, clothing, and other possessions after a covered loss. Ask whether settlement uses depreciation or replacement cost and whether valuable items need extra coverage.
03 Personal liability
Discuss protection for covered claims involving bodily injury or property damage for which you are legally responsible. The policy’s terms and limits determine its response.
04 Additional living expenses
If covered damage prevents you from staying at home, this coverage may help with qualifying costs above your normal living expenses. Confirm time and dollar limits, and keep receipts.
A DIFFERENT OWNERSHIP CONVERSATION
Co-op questions?
Bring us the documents.
For a co-op inquiry, bring the ownership or occupancy agreement and the building’s insurance information. Ask the insurer to confirm the appropriate policy form and whether your situation is eligible.
Confirm the options for your specific arrangement before relying on condo policy descriptions.
LOUISIANA / LOOK AT THE CAUSE OF DAMAGE
Water and wind deserve separate questions.
Standard homeowners coverage excludes flood damage. Ask about separate flood protection for your condo and belongings, and review any building-level flood insurance with your own coverage needs.
Flood
What separate flood coverage do I need, and when would it take effect?
Wind & named storms
What wind coverage and storm deductibles apply to this quote?
Water backup
Is sewer or drain backup excluded, or is additional coverage available?
MAKE THE REVIEW MORE USEFUL
Three things to bring to the table.
01
Your building’s paperwork
Association insurance information and governing documents; for a co-op, the ownership or occupancy agreement.
02
A record of your home
An inventory of belongings, photos, and details of interior improvements.
03
Your current policy or quote
Bring the full policy if available, including declarations and endorsements, so the terms can be reviewed together.
BEFORE YOU CHOOSE
A few questions worth asking.
Does the association’s insurance replace my own policy?
Do not assume it does. Have the association’s insurance information and your own policy reviewed together. Ask what each insures and which responsibilities remain yours.
Will my policy pay an association assessment?
Ask the insurer to explain whether the quote includes loss assessment coverage and what events, limits, exclusions, and deductible-related restrictions would apply. Do not assume every assessment is covered.
Can I rely on the declarations page alone?
No. It summarizes key details; the complete policy and endorsements contain the coverage terms, conditions, and exclusions.
What if I rent out the unit or use it differently?
Tell the insurer how the home will be used and ask for confirmation that the proposed policy is appropriate before relying on coverage.
KATI CHEEK INSURANCE / METAIRIE
Your home has details.
Let’s talk about them.
Request a condo insurance review with Kati Cheek Insurance, or contact our team with questions about a co-op. We’ll start with your home, your documents, and the options to discuss.
© 2026 Kati Cheek Insurance - All Rights Reserved.
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Email: [email protected]
Contact Number:
(504) 455-1234
Text Option Available At: 504-455-1234
Location: 4515 Shores Dr., Ste. 102, Metairie, LA
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