Hi Daphne. Don't understand your question about insurance for hotel rental???
Also, I don't know about the Holiday hitting a dock in Mobile. Repairs have been made concerning an engine problem, however, and the Holiday will be in dry dock in ...Sept.?, I think, for refurbishment.
You're staying in N.O. and driving to Mobile? Maybe that's a side trip before or after your cruise. Sorry, but maybe I just haven't had enough wakeup coffee today?
I love the Holiday, and have had four wonderful cruises on her. Enjoy!