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Mobile Home Insurance in Louisiana

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If you own a home, you need to have home owners insurance. It is the same if you own a mobile home or modular home. Since you need to have it, you should learn as much as possible about mobile home insurance in Louisiana so you can be sure that you are going to get the best rates. Insurance is expensive, but you can find a number of ways to save money so your premiums won’t be so high.

Learn more about Louisiana by seeing the statistics featured in the chart below.

Louisiana Details
CapitalBaton Rouge
2017 Population4,684,333
2017 Housing Units2,061,582
Land Area43,562 square miles
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If you are specifically looking for mobile home insurance in Louisiana, then read our helpful guide below. We provide information on what determines mobile home insurance cost and more about mobile homes in Louisiana. Additionally, for Louisiana insurance quotes, use our comparison tool. Our tool compares insurance quotes in Louisiana from some of the best companies. 

Affording Your Own Home

Sometimes it is difficult for people to be able to afford their own homes, especially younger people who are just starting out. This is one of the reasons why mobile homes are so attractive to many people, because they are far less expensive to purchase than traditional houses. This is often one of the first types of homes many people purchase, and it gives them a pretty good idea of what owning a traditional home is like.

Insurance for traditional homes and mobile homes are often similar, but there are some big differences due to the types of homes. For example, natural disasters can cause a lot more damage to a mobile home than a regular house, and mobile home insurance in Louisiana takes this into account.

So, how much does mobile home insurance cost? Average mobile home insurance rates across the county can be between $300 and $1000, depending on several factors. 

Do You Need to Have Mobile Home Insurance in Louisiana?

You do have to carry a certain amount of mobile home insurance in Louisiana. Just like with auto insurance, you need to have liability coverage in case anyone is injured while on your property, or they receive any property damage while on your property. Let’s say you have a broken step that you just can’t seem to get around to fixing.

If someone were to trip and fall over that step and hurt themselves, you will be responsible for their medical bills and your liability coverage will take care of this. Most average mobile home insurance policies have a maximum of $100,000 in liability insurance, but you may have to option to purchase additional coverage.

If you have taken out a loan to purchase your mobile home you will probably be required to have a certain amount of insurance coverage for the duration of the loan. This will let the lender know that even if anything happens to your mobile home, you will be able to pay for damages and continue to make your mortgage payments. The average cost of manufactured home insurance or mobile home insurance can differ based on different factors. 

You are Not Insuring Your Land

In many cases, mobile home owners live in mobile home parks, and there is no need for any insurance for land as it is already paid for by the park association. Even if you do purchase your own piece of land to set your mobile home on, you need to remember that you are not insuring the land, just the mobile home itself, as well as any outbuildings, such as garages, sheds and fences. Your insurance costs will reflect the actual cost to replace the home if necessary.

If you are wondering how much is mobile home insurance in my area, then it is best to compare rates. Compare rates from companies that offer home insurance for mobile homes by using our comparison tool below. This way, you can find the best rates on mobile homeowners insurance

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Your Personal Items

When you have mobile home insurance in Louisiana you can feel safe in knowing that your possessions will be covered if anything were to happen. If there is a fire and things are destroyed, or you have a burglary and items are stolen, your mobile home insurance will pay to replace these items, up to a certain limit. Some items may not be covered, such as furs, art, electronics and other big-ticket items, and you will need to purchase additional coverage. If you are on vacation and your items are stolen or destroyed your mobile home insurance will cover the replacement costs.

Insurance companies that cover mobile homes will sometimes offer discounts, which covered in the section below. 

Look for Discounts on Mobile Home Insurance in Louisiana

You may be eligible for a variety of discounts that will help you save on the cost of mobile home insurance in Louisiana. For instance, if you are older, you can get a discount for being a mature home owner. Retired persons often get really good discounts on their mobile home insurance, because they are home more often and there is not as much of a chance of a break-in occurring. Discounts can be found for Louisiana modular homes too. 

When you are shopping around for mobile home insurance in Louisiana, make sure that you ask about any discounts you may qualify for. This is a great way to find the cheapest home insurance in Louisiana. For information on comparing rates from the best home insurance companies in Louisiana, read the section below. 

Get Free Quotes Today

If you are trying to find the best deals on mobile home insurance in Louisiana you need to get quotes to find out which insurance companies have the best rates on the insurance products you need. Let us help by searching our data bases to get you free quotes from local and national insurers.

Give us your zip code, and we will give you free quotes in a few seconds. Finding home insurance quotes in Louisiana is easy with our help. See what companies insure mobile homes and compare rates by using our tool below

References: 

  1. https://www.iii.org/article/preparing-hurricane
  2. http://www.ldi.la.gov/
  3. http://www.city-data.com/city/Louisiana.html

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