---
urn: urn:us-la:rs:22:1485
citation: "R.S. 22:1485"
status: active
breadcrumb: "Title 22 › Chapter 4 › Part IV › Subpart O"
acts_citations:
  - { year: 1997, number: 185, section: 1, effective_date: null, role: enactment }
  - { year: 2024, number: 287, section: 4, effective_date: null, role: amendment }
---

# Homeowners' insurance; premium discounts

A. As used in this Section, the following terms shall have the following meanings:

(1) "Factory-built home" has the meaning given to that term in R.S. 9:1149.2.

(2) "Permanently structured home" means a structure with a permanent foundation that is not considered factory-built.

(3) "Security system" means a monitored security device that is wired to a local law enforcement or fire department.

B. Every insurer authorized to issue a policy of homeowners' insurance in this state who offers a policy premium discount based on the installation or existence of a security system in a permanently structured home shall provide the same or a similar premium discount for policies of homeowners' insurance covering factory-built homes.