Local Louisiana Foremost Insurance Agents

Understanding Foremost Insurance Coverage in Louisiana

Foremost Insurance Group is a primary provider for what the industry calls "non-standard" risks in Louisiana. That category covers manufactured homes, rental dwellings, and specialty vehicles. "Non-standard" doesn't mean low quality. It means the property or its use doesn't match the profile a typical homeowners underwriter is looking for.

Aubert Insurance Agency has insured families and businesses on the Northshore since 1910. As an independent agency, we don't work for one company. We can put a Foremost quote next to options from other carriers and explain the real differences in how each policy pays a claim.

That matters more than people expect. Two policies with similar premiums can treat a roof claim, a vacancy period, or a total loss very differently. Part of our job is to read the exclusions with you before you sign. Insurance is a legally binding contract, and the time to understand it is before a storm, not after one.

The market is also shifting. As of August 2026, the average homeowners rate change in Louisiana fell to about 0.1%, down from 14% increases in 2023. That makes this a good year to reshop specialty coverage you may have accepted out of necessity.

Specialized Protection for Manufactured and Mobile Homes

Manufactured homes have their own claim patterns, and a standard homeowners form often handles them poorly. Wind lifting a home off its piers, damage to skirting and tie-downs, and older units with depreciated values all call for specific policy language.

One feature to ask about is how a total loss gets paid. Foremost's 2026 manufactured home policies may include an Agreed Loss Settlement feature that pays the full insured amount in a total loss without subtracting depreciation. For an older home, that difference can run into tens of thousands of dollars. On an actual cash value policy, a 25-year-old unit may be valued far below the cost of replacing it.

Other items worth reviewing with your agent:

• Tie-down and anchoring requirements: Some policies tie wind coverage to proper anchoring.
• Detached structures: Carports, sheds, and decks are sometimes limited or excluded.
• Personal property: Check whether contents are covered at replacement cost or actual cash value.
• Park vs. private land: Location can change pricing and liability needs.

Coverage for Rental Dwellings and Vacant Properties

Landlords on the Northshore are often surprised to learn their old homeowners policy stopped fitting once a tenant moved in. A standard HO-3 is written for owner-occupied homes. Renting the house out changes the risk, and many carriers will deny claims or non-renew once they find out.

Foremost typically writes specialized landlord policies for one-to-four-family dwellings. These may include 10% Loss of Rents coverage, which helps replace rental income while a damaged unit is repaired, and $100,000 in Landlord Liability. Like the manufactured home program, landlords can usually choose named peril coverage for specific events or comprehensive coverage for all direct physical loss unless excluded.

Vacant property needs its own approach. Many standard policies limit or exclude vandalism and malicious mischief once a home has been empty for 60 days. Foremost may offer an optional vandalism and malicious mischief endorsement for unoccupied properties to address that gap. It also typically offers annual vacant home policies with pro-rated refunds if the property sells or becomes occupied before the term ends.

That refund feature matters if you're selling a house in Mandeville or renovating a property between tenants. You aren't stuck paying for months you don't need.

Insuring Specialty Vehicles and Power Sports

South Louisiana runs on more than cars and trucks. Bass boats, side-by-sides, ATVs, golf carts, travel trailers, and motorcycles all fill driveways across St. Tammany Parish, and each brings its own risks. Foremost has long written coverage for these specialty vehicles, often with options a standard auto policy doesn't include.

Here's a gap we see regularly: someone assumes their homeowners policy covers the four-wheeler they ride on their own land. Homeowners liability may cover some limited situations on the property itself, but it often excludes the vehicle once it leaves the property, and physical damage to the machine may not be covered at all. One trip down a gravel road to a neighbor's place can leave you without protection.

For RVs and travel trailers, ask about:

• Total loss replacement versus actual cash value
• Coverage for permanently attached equipment and personal belongings
• Full-timer liability if you live in the RV
• Seasonal lay-up options that may lower premiums during months you don't use it

Boats bring their own questions, including towing, fuel spill liability, and named storm coverage during hurricane season.

Common Questions About Local Specialty Coverage