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Mobile Home Insurance in Louisiana

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Overview

  • Mobile home insurance is required in Louisiana.
  • Mobile home insurance will usually cover your personal items.
  • Many companies offer discounts for mobile home insurance.

If you own a home, even a mobile or modular home, you need to have homeowners insurance. You’ll want to learn as much as possible about what is covered by mobile home insurance to be sure that you are going to get rates from the best home insurance companies in Louisiana.

Insurance can be expensive, but there are a number of ways to save money on your premiums. If you are specifically looking for mobile home insurance in Louisiana, read our helpful guide below. We provide information on what determines mobile homes in Louisiana. Additionally, to find affordable Louisiana mobile home insurance rates, use our free and helpful comparison tool.

Do You Need 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. Let’s say there is a broken step in your home; if someone were to trip over that step and hurt themselves, you will be responsible for their medical bills. Liability coverage takes 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 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 vary based on different factors.

In many cases, mobile homeowners 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, 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?”, it is best to compare rates. Getting the best rates on mobile homeowners insurance can be easily done by comparing rates. Compare rates from companies that offer home insurance for mobile homes with our comparison tool below. We will help you find the cheapest insurance quotes in Louisiana.

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What is covered by Louisiana mobile home insurance policies?

When you buy mobile home insurance in Louisiana, you can feel safe in knowing that your possessions will be covered if something were to happen to them. If any possessions were destroyed in a fire or burglarized, 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 more expensive items. You will need to purchase additional insurance to cover these.

Since mobile homes are more prone to damages, you may find that premiums for mobile home insurance can be more expensive than those for regular homeowners’ insurance.

How much does mobile home insurance cost in Louisiana?

Mobile home insurance can differ depending on many factors, including where you live and the insurance company you go with. Don’t fret if you find many rates outside of your price range as many companies offer discounts.

If you are older, you can get a discount for being a mature homeowner. Retired persons often receive solid discounts on their mobile home insurance, as 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 a mobile home insurance company in Louisiana, make sure that you ask about any discounts you may qualify for. This is a great way to find the cheapest mobile home insurance in Louisiana.

Affording Your Own Home in Louisiana 

Mobile homes are 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 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. For example, natural disasters can cause a lot more damage to a mobile home than a regular house, and every mobile home insurance company in Louisiana takes this into account.

Additionally, the chart below features top insurance companies that cover mobile homes.

Company/FormHO-3 (special form homeowners)HO-4 (renters)HO-6 (condo)HO-7 (mobile home)DP (landlord)
State FarmYYYYY
AllstateYYYYY
Liberty MutualYYYN*Y
USAAYYYN*Y
Farmers Insurance GroupYYYYY
TravelersYYYNY
American Family InsuranceYYYYY
NationwideYYYNY
Chubb Ltd GroupYYYNN
Erie Insurance GroupYYYYY
Get Your Rates Quote Now

There are many options for those looking for mobile home insurance. For information on receiving insurance quotes in Louisiana, check out the section below.

Compare Louisiana Mobile Home Insurance Quotes

If you are trying to find the best mobile home insurance in Louisiana, comparing quotes will help you find which insurance companies have the best rates on the insurance products you need. You can search our databases for free quotes from local and national insurers.

By entering your ZIP code, we will provide you free quotes within a few seconds. See what companies insure mobile homes and compare mobile home insurance quotes in Louisiana by using our tool below.

References: 

  1. https://www.iii.org/article/preparing-hurricane
  2. http://www.ldi.la.gov/

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