2026-09-10 · Louisiana · Legislation

What happened. Louisiana planned-community associations now have a statutory insurance duty. They did not before. R.S. 9:1141.30 reached associations with pre-2025 declarations on January 1, 2026, and what it requires is narrower than the headline suggests.

The duty

“A. Commencing not later than the time of the first transfer of a lot to an unrelated purchaser, the association shall maintain, to the extent reasonably available and subject to reasonable deductibles, commercial general liability insurance, in an amount determined by the board of directors, but not less than any amount specified in the declaration, covering all occurrences commonly insured against for bodily injury, death, and property damage arising out of or in connection with the use, ownership, or maintenance of the common areas. The declaration may require the association to carry any other insurance, and the association may carry any other insurance it considers appropriate to protect the association or the lot owners.”

Three qualifiers do most of the work: “to the extent reasonably available,” “subject to reasonable deductibles,” and “in an amount determined by the board of directors, but not less than any amount specified in the declaration.” The statute sets no coverage figure of its own. The declaration's number, if there is one, is the floor.¹

And the duty to say so when it is not available

“B. If the insurance required in Subsection A of this Section is not reasonably available, the association shall promptly notify all lot owners.”

“C. The issuance of an insurance policy to the association does not prevent a lot owner from obtaining insurance for the lot owner's own benefit.”

In the Louisiana market, subsection (B) is not hypothetical. It converts a placement failure into a disclosure obligation with a deadline expressed as “promptly.”

1. La. R.S. 9:1141.30 — Insurance (Louisiana Planned Community Act) ↩
2. La. R.S. 9:1123.112 — Insurance (Louisiana Condominium Act) ↩
3. LDI Bulletin 2026-06 (March 31, 2026) — notice to the Commissioner on ceasing, pausing or resuming writing ↩
4. Act No. 158, 2024 Regular Session (SB 23) — enrolled Act text, Louisiana Legislature ↩