Mobile Home Insurance Coverage in Louisiana (2024)
- Foremost, American Modern and Assurant offer the best mobile home insurance for both mobile and manufactured homeowners in Louisiana.
- Manufactured homes are built under federal regulation while mobile homes are not, making mobile homes more difficult to insure.
- Flood insurance is not part of a mobile home insurance policy, but you may need to get it if you mortgaged your home or live in a mobile home park.
The best mobile home insurance companies in Louisiana
While the term “mobile home” is often used for both mobile and manufactured prefabricated homes, “manufactured home” means a mobile home that was built after 1976. Older mobile homes from before 1976 were not built to current construction standards and as such are at a higher risk for claims and are harder to cover.
Foremost, American Modern and Assurant cover both older mobile homes and newer manufactured homes. This isn’t the case with all companies, as most only cover manufactured homes.
Foremost
Foremost was the first insurance company to insure mobile homes. It covers both mobile and manufactured homes of any age.
Foremost offers a replacement cost coverage option. This means you will receive the full coverage amount of your policy without depreciation in the event of a total loss.
AARP members may qualify for its Mobile Home Insurance Program. The program offers coverage for:
- Locksmith expenses
- Loss of use
- Debris removal
- ID theft expenses
- Food spoilage
Foremost also offers good discounts to reduce your mobile home insurance costs. You can get a discount if you:
- Are 50 years old or older
- Buy a new mobile home
- Bundle your mobile home insurance with boat or ATV insurance
- Live in an approved mobile home park
| Pros | Cons |
|---|---|
Covers both mobile and manufactured homes Customizable coverage Perks for AARP members Good discounts | Additional living expense coverage only available as an add-on No 24/7 customer service |
American Modern
American Modern has been providing insurance to both mobile and manufactured homeowners since 1965. It will cover your mobile home if it’s a rental, seasonal or vacant home as well.
American Modern offers some excellent coverage benefits to mobile and manufactured homeowners, including:
- Debris removal
- Emergency removal
- Vandalism
It also offers several discounts to help you save money:
- 5% discount for belonging to an approved mobile home community
- 5% multipolicy discount
- 5% discount if you pay your annual premium in full
- Variable discount if you haven’t had a claim in three years
| Pros | Cons |
|---|---|
Coverage for wide range of mobile home types Easy online and live claim filing Good optional coverages | No weekend customer service Liability coverage is an add-on |
Assurant
Assurant offers excellent perks as part of their standard mobile home insurance coverage. This includes:
- All-risk coverage, minus a few exclusions
- Full replacement cost for dwelling and personal property coverage
Part of Assurant’s strength is convenience. You can easily file a claim or look up your policy through its smartphone app. You can also access your account info, track a claim or access your policy online.
| Pros | Cons |
|---|---|
Specializes in mobile home coverage Quick claim filing through app Easy online account management | Only offers weekday customer service access |
What does mobile home insurance cover in Louisiana?
- Dwelling: This coverage type protects the structure of your home from damage or destruction due to certain events or risks.
- Liability: If you are responsible for injuries or property damage to others, liability coverage helps pay their medical and legal costs.
- Personal property: Covers clothing, furniture, electronics and other belongings.
- External structures: Pays to repair or replace damaged or destroyed tool sheds, patios and carports.
- Loss of use (LOU): Also known as additional living expense (ALE) coverage, LOU helps pay additional costs tied to relocating while your mobile home is repaired or replaced. This includes rent, meals, and commute costs.
Mobile home insurance exclusions
- Natural disasters: Flooding and earthquake damage are excluded from mobile home policies. You can usually cover either by buying supplementary policies.
- Non-accidental damage: Damage that could be avoided by proper maintenance is not covered.
- Vermin: Damage due to rats, termites and other insects is excluded.
- Transit: Standard mobile home insurance does not cover a mobile home while it’s being moved between locations.
What mobile home insurance do I need in Louisiana?
Louisiana state law does not require you to buy mobile home insurance. However, if you are mortgaging your mobile home, your lender will require you to have it. Mobile home communities often require it as well, whether you fully own your home or not.
If you live in a high-risk flood area, your lender or mobile home community may require you to have flood insurance.