Comprehensive Coverage for Manufactured Homes
Mobile and manufactured homes require specialized insurance policies tailored specifically to their unique construction styles and foundation types. Standard home policies do not apply to manufactured housing, which is why we work with top-tier carriers like Foremost Insurance to provide customized protection. Whether your manufactured home is located in a community park or on private land, our policies provide robust security against structural damage, extreme weather, and personal liability risks.
What's Included in Your Coverage
Our tailored manufactured home insurance policies typically provide robust financial protection through several key coverages:
- Structural Protection: Pays to repair or replace the physical structure of your mobile home if damaged by covered perils like fire, wind, or hail.
- Personal Property Coverage: Protects your belongings, furniture, appliances, and electronics inside the home against theft or damage.
- Personal Liability: Covers legal defense fees and damages if a guest is injured on your property and you are found legally responsible.
- Trip Collision Coverage: Offers specialized protection for the physical structure while your mobile home is actively being moved or transported.
- Attached Structures: Extends physical damage coverage to attached carports, decks, patios, and awnings.
- Loss of Use: Helps pay for temporary housing and living expenses if covered damage renders your manufactured home temporarily uninhabitable.
- Unattached Structures: Covers sheds, standalone garages, and fences on your property.
Louisiana-Specific Considerations
In Louisiana, manufactured homes face significant risks from extreme weather, particularly severe thunderstorms, hail, and hurricanes. Securing adequate wind and hail coverage is essential, as these perils represent the most frequent sources of catastrophic damage to mobile homes in our state. We ensure your policy includes appropriate windstorm protection to give you peace of mind during storm season.
Furthermore, because many manufactured homes are located in low-lying areas or flood zones, standard mobile home policies do not cover flood damage. We strongly recommend pairing your mobile home policy with a dedicated flood insurance policy to protect against rising waters and storm surges. For traditional stick-built housing, you may also want to explore our standard homeowners insurance options.
Frequently Asked Questions
While the state of Louisiana does not legally mandate mobile home insurance, it is almost always required by mortgage lenders, financing companies, and mobile home park management. Even if you own the home outright, coverage is highly recommended to protect your financial investment.
Generally, modular homes (built in sections and placed on a permanent foundation) can often be insured under a standard homeowners policy. Manufactured or mobile homes (built on a steel chassis) require the specialized mobile home insurance policies described here.
Standard coverage usually applies when the home is stationary at its primary location. However, trip collision coverage can be added as an endorsement to protect the home specifically while it is in transit to a new location.