Mobile or manufactured homes have risen in popularity recently, especially as housing prices have increased over the last few years. In fact, Louisiana is no. 5 on the list of states with the largest number of new manufactured homes in 2023. [1] And people who own a mobile or manufactured home need to have the right insurance coverage to make sure their property is protected.
Below is a list of some of the most popular mobile home insurance companies offering coverage in Louisiana.
What companies offer mobile home insurance in Louisiana?
Many home insurance companies in Louisiana offer mobile or manufactured home insurance. Some of the biggest insurance companies, like Geico, offer mobile home insurance in Louisiana through partner companies like Kin, Foremost, or American Modern. The benefit to working with one of these companies is that you can bundle your mobile home insurance with other insurance policies — often scoring a discount on premiums. Other companies, like Manufactured Housing Insurance Services, only offer mobile home insurance.
Mobile home insurance companies in Louisiana
Here are some of the insurance companies offering mobile home insurance in Louisiana in 2024:
American Modern
4.9
Why we chose it
American Modern stands out thanks to its willingness to insure manufactured homes both old and new, its high-deductible policy options, and its optional golf cart and hobby farming coverages — popular with some Louisiana homeowners.
Pros and cons
Pros
Insures older mobile homes — with no age restriction
High-deductible options up to $5,000
Water damage coverage included in your base policy
Cons
Maximum dwelling coverage is only $300,000
Doesn’t disclose on its website whether certain makes or models are or aren’t eligible for coverage
Foremost
4.2
Why we chose it
As the first company to offer home insurance policies specifically for mobile homes, we like Foremost for its willingness to insure homes of any age, model, make, and value — rare among other insurers.
Pros and cons
Pros
Insures homes of any age, model, make, and value
Replacement cost coverage available for your home, other structures on your property, and your personal belongings
Trip coverage available when moving your mobile home
Cons
Deductible options aren’t disclosed on its website
Kin
5.0
Why we chose it
Kin sells policies directly to consumers without middlemen, so it’s able to cut down on company costs and pass on its savings to customers. And as a member-owned company, Kin pays out dividends to policyholders if claims are lower than expected each year.
Pros and cons
Pros
Available in Alabama, Arizona, Florida, Louisiana, Mississippi, and South Carolina — states at high risk of weather-related damage and often difficult to find coverage in
Claims to save homeowners an average of $730 when they switch to Kin
Offer private flood insurance endorsement — rare among other insurance companies
Cons
No local agents to meet with in person
Can’t bundle your home and auto insurance
How much is mobile home insurance in Louisiana?
The average cost of homeowners insurance in the U.S. is $1,754 per year, but Louisiana residents often pay higher-than-average rates. Plus, due to the higher risk of loss in extreme weather situations, mobile home insurance is typically even pricier than standard home insurance coverage.
How much you ultimately pay varies based on a number of factors, including:
Where you live
Size of your manufactured home
Age of your mobile home
Your claims history
Your policy deductible amount
Mobile home insurance discounts in Louisiana
Here are some of the most common discounts in Louisiana for manufactured home insurance:
Mobile home park: If your home is located in an approved mobile home park.
Age of home: If you have a newer mobile home.
Wind-resistant features: If you have wind-resistant features that protect against hurricanes, like storm windows.
Bundled policies: If you bundle your mobile home insurance with another insurance policy with the same company.
No claims in past three years: If you’ve been claims-free for a specific number of years (usually three to five years).
Association membership: If you’re a member of certain associations, like USAA, AFI, or AARP.
Paperless policy: If you sign up to receive your bills and other policy documents electronically.
Paid-in-full: If you pay your insurance premium annually instead of monthly or bimonthly.
Age of insured: If you’re at least 50 years old or are retired.
Is mobile home insurance required in Louisiana?
No, mobile home insurance is not legally required in Louisiana. But if you have a mortgage on your property, the odds are good your lender requires you to have mobile home insurance in place to protect their investment.
Also, if you live in a mobile home park, you may be required to purchase manufactured home insurance to live there. This is because homes in mobile home parks are located so close together, so damage from something like a fire or flood can spread quickly and potentially destroy the entire park, leaving uninsured residents financially ruined.
What does mobile home insurance cover in Louisiana?
A typical HO-7 mobile home insurance policy comes with six standard types of coverage:
Dwelling: Coverage for the physical structure of your mobile home, including things like walls, windows, and the roof.
Mobile home extensions: Coverage for additional buildings or structures, including porches, garages, and other separate structures.
Personal property: Coverage for your belongings, like furniture and electronics.
Additional living expenses: Covers costs associated with relocating or staying elsewhere while your mobile home is being repaired after a covered loss.
Personal liability: If you are found liable for damage or injury to someone else, this coverage pays for those legal and medical expenses.
Medical payments: Covers small-dollar medical expenses associated with a guest being injured on your property.
Extra coverages to consider for your mobile home in Louisiana
In addition to mobile home insurance, homeowners may want or need additional coverage including:
Replacement cost coverage: Covers your home, personal belongings, and other structures based on the cost to replace them with new items without factoring in depreciation.
Hobby farming: Provides property and liability coverage related to farming activities.
Trip collision: Covers your mobile home in transit if you need to move it.
Flood insurance: Protects your mobile home from flood damage caused by flooding events like hurricanes and tornadoes.
Does mobile home insurance in Louisiana cover flooding?
Mobile home insurance does not include coverage for flooding — you’ll need a separate flood insurance policy for that. In addition to comparing mobile home insurance quotes with Policygenius, Louisiana homeowners can also compare the best private flood insurance rates, or choose a policy through the government-run National Flood Insurance Program.
Learn more >> Flood insurance in Louisiana: What you need to know
Frequently asked questions
Does Allstate insure mobile homes in Louisiana?
Allstate does cover manufactured homes, but in many high-risk states like Louisiana, they may be less likely to offer insurance since mobile homes have an outsized risk of being damaged in severe weather. The best way to know whether Allstate will cover your mobile home is to get a quote from an insurance expert at Policygenius.
How much does it cost to insure a house in Louisiana?
The average cost of homeowners insurance in Louisiana is $2,452 per year, 40% higher than the national average of $1,754 per year.
What is a mobile homeowners policy?
Similar to homeowners insurance, a mobile home insurance policy is designed to cover damage to your mobile home and personal property, as well as cover liability issues. The difference is that a mobile home policy is specifically for a manufactured home, so the price will likely be higher than a standard homeowners policy because mobile homes aren’t as capable of withstanding wind, hail, and other weather-related disasters.
Is homeowners insurance required in Louisiana?
No, Louisiana state law doesn’t require homeowners to purchase insurance. But homeowners who have a mortgage are likely required to have homeowners insurance coverage by the terms of their loan. Either way, it is a good idea to have homeowners insurance to protect you financially in case of a disaster.
