Best Mobile Home Insurance in Louisiana

Written by  Rob Bhatt

Edited by  Naomi Barr

+ 1 More

Updated Oct 22, 2026

Best mobile homeowners insurance companies in Louisiana

Foremost is the best mobile home insurance company in Louisiana, thanks to its flexible coverage options and good customer service. Kin is the best company for online mobile home insurance quotes, and Assurant has the most convenient flood coverage for mobile homes.

Foremost and Kin also have good complaint ratings from the National Association of Insurance Commissioners (NAIC) . Both get fewer complaints than average over things like claims. 

Best overall for Louisiana mobile homes: Foremost

Why we chose it: Foremost offers a wider range of mobile home coverage options than most other insurance companies that let you customize your coverage. These include coverage for home-based businesses and recreational farming.

Who it’s best for: Customers who need customizable coverage. Foremost insures mobile homes and manufactured homes of any age. Its standard policies cover homes at an agreed value, but you can upgrade to replacement cost coverage for more protection. Foremost also provides mobile home insurance for AARP and USAA.

Foremost doesn’t regularly offer online quotes in Louisiana. However, its website helps you find an insurance agent near you. You can also get a discount for bundling a Foremost mobile home policy with car insurance from its sister company, Farmers.  

PROS

• Available in most parts of the state
• Add-on protections let you customize your coverage
• Good NAIC complaint rating

CONS

• Doesn’t offer online quotes in Louisiana

Best for online mobile home insurance quotes: Kin

Why we chose it: Kin’s website lets you set up a quote and adjust your coverages within minutes. Its 0.7 NAIC complaint rating means it has 30% fewer complaints than average for its size.

Who it’s best for: DIY shoppers. Kin’s online quoting system gives you a wide range of coverage limits to choose from. This lets you fine tune the amount of coverage you get for your home and belongings. You can call a Kin agent if you need help deciding.

Kin lets you choose between actual cash value and replacement cost coverage for your belongings. However, it doesn’t provide as many optional coverages as Foremost. It doesn’t offer car insurance in Louisiana, either, which means you can’t get a discount for bundling.  

PROS

• Customizable online quotes available within minutes
• Good NAIC complaint rating
• Replacement cost coverage available for your home and belongings

CONS

• Not as many add-on protections as Foremost
• Bundling with car insurance not available in Louisiana

Best for flood coverage: Assurant

Why we chose it: Assurant offers flood protection as an add-on coverage for its standard policies for mobile homes and manufactured homes. Other companies make you get a separate flood policy.

Who it’s best for: Customers who want convenience. Adding flood coverage to your mobile home insurance gives you one less policy to worry about.

Assurant offers online quotes on its own website. You can also get them online or by phone from Geico and Progressive. If you get car insurance from one of the latter companies, you can earn a discount for bundling it with an Assurant mobile home policy, too. 

PROS

• Offers flood protection as add-on coverage
• Car insurance discounts for bundling with Progressive or Geico
• Online quotes available

CONS

• Bad NAIC complaint rating

How much is mobile home insurance in Louisiana?

Mobile home insurance in Louisiana typically ranges from less than $1,000 to more than $2,000 a year. The exact amount you pay depends on factors like:

Most insurance companies give you a better rate if your home is tied down or anchored to its foundation. Skirting and safety rails on your deck or patio can also help bring down your price.

Each insurance company treats these factors differently, and their rates vary by customer. Comparing home insurance quotes from a few companies helps you find the best rate for your mobile or manufactured home.

What mobile homeowners are seeing in Louisiana right now

Louisiana mobile and manufactured home owners are feeling many of the same insurance challenges as other homeowners. Insurance is getting more expensive and harder to find.

Rising claims costs led some companies to leave the state or insure fewer mobile homes. The state also made it easier for insurance companies to drop customers by loosening protections of the so-called three-year rule.

Before the changes, your insurance company couldn’t drop you after you’d been with it for at least three years. Now they can drop some longtime customers and any customer who started with them after Aug. 1, 2024.

If you’re having a hard time finding a company to insure your mobile home, ask an insurance agent about Louisiana Citizens. The state’s insurer of last resort provides coverage for homes that standard home insurance companies won’t insure.

How does mobile home insurance work in Louisiana?

Mobile home insurance covers your home and belongings for damage and theft. It also covers medical costs for an injured visitor and certain other expenses.

Here’s how the main coverages in a standard Louisiana mobile home policy work.

Dwelling coverage

Your policy’s dwelling coverage pays to fix damage from a covered disaster like a fire. Unless you’re on the coast, standard policies also cover wind and hail. If you’re on the coast, you may need stand-alone windstorm insurance from Louisiana Citizens, the state’s insurer of last resort.

For mortgages, lenders usually require you to insure your home at its replacement value. You can insure your home for a lower amount if you own it outright or have a low loan balance. However, doing so may leave you short on funds to rebuild after a disaster.

Other structures

This covers things like a detached garage, shed and other structures not attached to your home. It’s often offered in amounts that range from 5% to 10% of your dwelling limit. You can usually get a higher limit if you have more structures to protect.

Personal property

Also known as contents coverage, personal property covers your belongings for damage or theft. Most companies insure your possessions at their actual cash value, after age and wear. You can often upgrade to replacement cost coverage for more protection.

Companies offer this in default amounts that range from 40% to 60% of your dwelling limit, but you can often adjust this. Creating an itemized list of your possessions and their value is a good way to figure out exactly how much coverage you need.

Loss of use

Loss of use covers temporary living expenses if a covered disaster forces you from your home. This is often offered in amounts that range from 10% to 20%, but you can typically ask for more. An amount that represents at least six months’ worth of rent in your area is a good start. If you don’t see this coverage on a quote, ask why.

Personal liability

Personal liability covers injuries and damage you cause to other people or their property. This includes injuries blamed on your neglect.

Many companies offer a $100,000 liability limit by default, and it usually doesn’t cost much to add more. A higher liability limit helps prevent a particularly costly mishap from draining your savings.

Guest medical payments

This covers medical treatment for an injured guest, regardless of who causes the injury. It’s typically offered in amounts ranging from $1,000 to $5,000. Higher limits are generally better, but any amount within this range is usually enough.

What does Louisiana mobile home insurance not cover?

Louisiana mobile home insurance usually does not cover floods. One of the few exceptions is Assurant, which offers add-on flood protection.

With other companies, you usually need separate or extra insurance for risks that standard policies don’t automatically cover. These include:

Compare Louisiana mobile home insurance companies

It’s just as important to get the right insurance coverage for your mobile home as it is to get a cheap rate. Consider these tips as you compare your mobile home insurance quotes.

How LendingTree helps you find the right policy

Shopping for mobile home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.

Methodology

LendingTree obtained mobile home insurance rates from Geico, Progressive and Kin for typical mobile homes in Shreveport and Baton Rouge. Dwelling coverage limits range from $85,000 to $175,000 for policies for manufactured homes built between 2001 and 2020.

Prices are shown for comparative purposes only. Your own rates may be different. 

For more information on how we evaluate companies, please check out LendingTree’s editorial guidelines and home insurance ratings methodology pages.