Manufactured and mobile homes offer many lifestyle advantages in Louisiana, but they are not immune to the state’s insurance challenges. Rising prices have made it as important as ever to shop around for the best coverage and rates. With this in mind, here’s our guide to the best manufactured- and mobile-home insurance companies in Louisiana and tips for getting the right coverage for your needs.

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How much does mobile-home insurance cost in Louisiana?

The cost of insuring a manufactured or mobile home in Louisiana can range from less than $1,000 a year to more than $2,000, depending on several factors, including:

  • The age, make and model of your home
  • Your location
  • The quality and condition of any additions or improvements, such as a deck or carport
  • The estimated cost of replacing your home, in the event of a total loss
  • Your credit and insurance history
  • The types of coverages you choose
  • Any discounts you may be eligible to receive

Since each company weighs these factors differently and offers different discounts, you may qualify for a significantly lower rate with one company than you do with others. This is why it’s best to compare quotes from multiple companies when you shop.

Mobile homes vs. manufactured homes and trailers

The terms manufactured and mobile homes are often used interchangeably, but they do not refer to the exact same thing. In general, a manufactured home is a mobile home built after June 15, 1976, when construction and safety standards established by the U.S.Department of Housing and Urban Development (HUD) took effect.

Mobile and manufactured homes should not be confused with park-model trailers, which typically max out at 400 square feet and require RV insurance.

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Louisiana’s best companies for mobile-home insurance

Louisiana’s best insurance companies for manufactured and mobile homes include household names, such as Allstate, as well as those not seen as frequently in TV commercials, such as Foremost and American Bankers Insurance.

Even though mobile-home Insurance is similar to insurance for standard site-built homes, it is a different product. Some nationally known home insurance companies also insure mobile homes. Others quote and sell mobile-home policies issued by a partner carrier.


Foremost allows you to customize your insurance with a wide range of coverage options for manufactured homes and pre-1976 mobile homes. For example, you can choose between actual cash value and replacement cost coverage for your home and belongings. Optional add-ons for identity fraud, earthquakes, hobby farms and home-based business activities allow you to further tailor your coverage.

Foremost is owned by Farmers, but it also issues manufactured- and mobile-home insurance on behalf of USAA, the American Association of Retired Persons (AARP) and others.

American Bankers Insurance

Part of the Assurant Group, American Bankers Insurance provides standard coverage for manufactured homes. Several independent agents across Louisiana are authorized to quote and sell American Bankers’ products. If you shop for manufactured-home insurance online with GEICO or Progressive, you may receive a quote from American Bankers.

American Modern

American Modern offers comprehensive coverage for manufactured homes and pre-1976 mobile homes. The company also offers coverage for those who use their mobile or manufactured home as a seasonal residence or rental property. American Modern quotes and policies are widely available from independent insurance agents throughout Louisiana.


Allstate extends its standard homeowners coverages and discounts to qualifying manufactured and mobile homes. This means you can take advantage of the discounts the company offers for bundling your car insurance with your manufactured or mobile home policy. You may qualify for additional discounts if you’re the home’s original title holder, you’ve installed a home security system and/or you’re over 55 and retired.

State Farm

State Farm also brings its policyholder benefits and discounts to customers with manufactured homes. For example, bundling your manufactured home insurance with a State Farm auto policy can net you a sizable discount. You may also qualify for savings based on the age of your home.

How much insurance do I need for a mobile home in Louisiana?

There is no state law in Louisiana requiring insurance for a mobile home, but lenders typically require it for a mortgage, and mobile-home communities often also require it.

Considering the financial protection that an insurance policy can provide, it’s usually worth having it even if you don’t have a mortgage or don’t live in a community that requires it.

How does mobile-home insurance work in Louisiana?

Manufactured- and mobile-home insurance in Louisiana is typically offered as a package of coverages. The specific makeup of each package varies by company, and many companies offer multiple policy tiers. Here’s how the key coverages work.

Dwelling and other structures

Your dwelling includes your home and any attached structures, such as a deck or carport. Other structures can include detached garages, sheds and other structures not physically attached to your home.

Some companies offer separate limits for your dwelling and other structures coverages, while some roll both coverages into a single limit.

A standard policy covers your home at its replacement cost value, which is the cost of replacing it with a new one with the same specifications, in the event of a total loss. However, many companies offer actual cash value coverage, which covers your home at its depreciated value. Actual cash value coverage is cheaper than replacement cost coverage, because it provides less coverage.

Some policies cover your home on an open-perils basis, which protects your home from any source of damage not specifically excluded by the policy. Others cover your home for a list of named perils.

Open- and named-peril policies both cover the most common causes of damage, but not flood or earth movements. However, open-perils coverage generally protects against a wider range of risks and costs more than named-perils coverage.

Personal property

Personal property coverage pays to repair or replace your furniture, clothing, gadgets, gear and other possessions damaged or destroyed in a fire or other covered peril. Insurance companies often offer a default personal property limit, but you can usually adjust it.

The best way to determine how much personal property coverage you need is to create an itemized list of your belongings and their values.

Most policies also place sublimits on certain valuables, such as $1,500 for jewelry and similar limits on furs, silverware, artworks and collectibles. If your high-value items require more coverage, you can usually add them to a scheduled personal property floater or other endorsement.

Standard policies typically cover your belongings at their actual cash value, which is their value after depreciation. However, many companies offer replacement cost personal property upgrades, which replaces damaged or stolen items with new ones.

Most companies cover your belongings on a named-peril basis, but some offer upgrades to open-peril coverage.

Personal liability and medical payments

Personal liability covers injuries or damage you or others in your household may accidentally cause to others. Medical payments generally pays for medical treatment for guests injured while visiting your home.

Common default limits include $100,000 for liability and $1,000 for medical payments. While these amounts are a good start, it’s important to assess your own needs to make sure you have enough coverage.

For example, your liability limit should match your net worth. This way, if you are found responsible for a sizable claim, you can use insurance funds to settle the judgment, instead of depleting your savings account or other assets.


A standard manufactured- and mobile-home insurance policy does not cover the home while it is in transit. However, many companies offer transit coverage to insure the home while it is being moved.

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How does mobile-home insurance cover hurricanes, windstorms and floods in Louisiana?

In Louisiana, manufactured and mobile home insurance typically covers extreme hail and winds, including those accompanying hurricanes, but it generally excludes floods, including storm surges.

To protect your home from flooding of any type, you can purchase separate stand-alone flood insurance.

Lenders require flood insurance for mortgages on homes in high-risk flood zones. Flood insurance is also available on an optional basis for homes in moderate- and low-risk zones, which account for more than 20% of flood insurance claims nationwide.

Most flood insurance is purchased through the government-backed National Flood Insurance Program (NFIP), but some private companies also offer it. In Louisiana, the average cost of NFIP flood insurance is $752 a month, or $63 a year, according to the Federal Emergency Management Agency (FEMA).

If you’re not sure of your home’s flood risk, or the flood risk of a home you’d like to purchase, you can look it up in the Flood Map Service Center on FEMA’s website.

While wind and hail are among the perils covered by both open- and named-peril mobile-home insurance, policies in coastal areas often include higher deductibles for windstorms, named storms and hurricanes. LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.