Mobile home insurance in Louisiana

Kin, Foremost, and American Modern are three of the most popular mobile home insurance companies in Louisiana.

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Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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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.

Compare mobile home insurance rates in Louisiana

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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

American Modern insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

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4.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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Why we chose itchevron icon

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 conschevron icon

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

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starEmpty gray star

4.2

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

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 conschevron icon

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

Kin insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

NA

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Why we chose itchevron icon

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 conschevron icon

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

Compare mobile home insurance rates in Louisiana

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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.

Compare mobile home insurance rates in Louisiana

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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

Compare mobile home insurance rates in Louisiana

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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.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. Construction Coverage

    . "

    U.S. States Investing The Most In Manufactured Housing (2023)

    ." Accessed December 19, 2023.

Author

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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