If you own a mobile or manufactured home in Louisiana, home insurance for it is an excellent value for the protection it provides. Louisiana law doesn't require you to carry mobile home insurance. However, if you financed your mobile or manufactured home or live in a mobile home community, you may be required by the lender or community to carry it. This guide will help you find the best coverage for your needs.

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What are Louisiana's best companies for mobile home insurance?

Foremost is the best mobile home insurance company in Louisiana, in part because it specializes in coverage for mobile and manufactured homes. Other good choices included Allstate, State Farm, American Bankers Insurance and American Modern.


Insuring mobile homes since 1952, Foremost offers a wide array of coverage options for your mobile or manufactured home. For instance, you can choose between actual cash value and replacement cost coverage for your home and personal property. Furthermore, Foremost offers optional coverage for identity fraud, earthquake damage and home-based businesses.


Allstate extends its homeowners coverages and discounts to mobile and manufactured homes as well. This means you can bundle your car insurance with mobile home insurance and save up to 15% on both policies. Allstate also offers other discounts you may be interested in, including:

  • Original owner discount: If your name is on the original title of the home, you can get a 5% discount.
  • 55 and retired discount: If you're a retiree of 55 years of age or older, you can save 10% on your annual premium.
  • Protective device discount: Save up to 15% on your home insurance when you install a home security system.

State Farm

State Farm is another major provider that extends its standard home insurance coverage benefits to customers with manufactured homes. This includes bundling life or auto insurance with a manufactured home policy, as well as available discounts based on the age of the home, if you qualify.

American Modern

Providing coverage through independent agents throughout Louisiana, American Modern offers comprehensive coverage for manufactured homes and pre-1976 mobile homes. It also offers coverage for those who use their mobile or manufactured home as seasonal residence or rental property.

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' insurance. If you shop for manufactured-home insurance online with GEICO or Progressive, you may receive a quote from American Bankers.

How much does mobile home insurance cost in Louisiana?

In looking at multiple providers across Louisiana, the average cost of a mobile or manufactured home insurance policy in Louisiana ranges anywhere from around $1,000 to over $2,000 a year. Your final mobile home insurance quote depends on multiple factors, including:

  • The age, make and model of your home
  • Your ZIP code
  • The quality and condition of any additions or improvements, such as a deck or carport
  • The estimated replacement cost of the home
  • Your insurance history
  • The coverages and deductibles
  • Any discounts you may be eligible to receive

Insurance companies put different risk weights on different factors. This is part of the reason why insurers have different premiums for relatively similar coverage. To make this work for you, and to get the lowest rate for the coverage you need, compare quotes from multiple insurance providers.

Mobile homes vs. manufactured homes

While mobile home and manufactured home may be considered interchangeable, there is a major difference between the two. A manufactured home is a mobile home constructed after June 15, 1976. This is when construction and safety regulations were established by the U.S. Department of Housing and Urban Development (HUD).

Due to their age and lack of construction and safety standards, some homeowners insurance companies will either not cover them or charge higher premiums to do so. Make sure to take this into consideration when shopping for quotes.

How does mobile home insurance work in Louisiana?

Manufactured and mobile home insurance policy offerings may vary from company to company, but the following policy points are most frequently included.

Dwelling and other structures

This coverage includes your home and attached structures, such as a deck or carport. It also may include some detached structures, like a garage or shed. Some manufactured home insurance companies offer separate limits for dwelling and other structures. Make sure you understand any differences in coverage limits before purchase of a policy.

A standard manufactured home policy covers at replacement cost value. This is the cost to replace the destroyed home with a new one with the same specifications. Actual cash value (ACV) coverage is also usually available. ACV covers the home at depreciated value. ACV has a cheaper premium than replacement cost value insurance does.

Personal property

Personal property coverage repairs or replaces your belongings damaged or destroyed by a peril covered under your mobile or manufactured home insurance. This includes:

  • Furniture
  • Clothing
  • Electronics

Expensive items like jewelry and artwork may be covered at a lower payout limit. If you have high-dollar value collectibles, there are usually riders you can add to your policy in order to make sure they're properly covered.

While a standard manufactured home policy covers personal property at actual cash value, replacement cost personal property coverage is often available for a higher premium.

Personal liability and medical payments

Personal liability covers injuries or property damage you and others in your household cause to others. Medical payments pay for guests injured in your home, regardless of fault. Personal liability coverage usually has a default limit of $100,000 for liability and $1,000 for medical payments, but these can be increased. A long hospital stay can exceed the $100,000 limit quickly. For this reason, we recommend increasing your personal liability to $300,000.


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