Mobile home insurance in Louisiana

No, mobile home insurance isn’t required by law in any state, including Louisiana. That said, there’s a good chance your lender will require it before you can buy a home, or that your landlord will require it if your mobile home is in a mobile home community or park.

If you outright own your home, and place it on private property, no one will require you to have mobile home insurance — but the extreme weather in Louisiana makes getting coverage a smart investment. 

Though it’s sometimes referred to as hurricane insurance, Louisianans should check to ensure their mobile home insurance policies include coverage for wind damage caused by hurricanes. The policies we offer automatically include hurricane wind coverage.

Here’s what makes mobile home insurance and traditional home insurance similar: they both cover your structure, your personal belongings, and your personal liability. They’re also both usually “open perils” coverage for your structures, which means they cover any loss unless it's caused by something that’s specifically listed as being excluded from the policy.

But here’s what makes them different: Insurers have found that manufactured homes represent a different risk than traditionally built homes. As a result, mobile home insurance can be more expensive than traditional home insurance.

Note: Modular homes are another type of home altogether. They’re usually built to the same standards as traditional homes, so they’re often insured with an HO-3 home insurance policy.

Yes, for two reasons. First, mobile homes built prior to 1976 may not comply with the HUD Manufactured Home Construction and Safety Standards (in fact, if you have a mobile home built after 1976, it’s technically called a “manufactured home” — the name “mobile home” went away with the introduction of that regulation). Secondly, not having a foundation increases the risk of suffering major damage.