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// MOBILE HOME INSURANCE
Mobile Home Insurance in Baton Rouge
Manufactured and mobile homes face unique wind and storm risks in Louisiana, especially during hurricane season. Not every carrier writes mobile home policies, and the ones that do have very different appetites. Having an independent agent who knows which carriers actually cover manufactured housing can save you time, money, and a lot of frustration.
Why Mobile Homes Need Specialized Coverage
A standard homeowners policy won't cover a manufactured home. The construction is different, the risk profile is different, and most of the big-name carriers simply won't write them. If you've tried to get a quote from your car insurance company and been told they don't do mobile homes, you're not alone.
Mobile homes are more vulnerable to wind damage than site-built homes. During Louisiana's hurricane season, that's a serious concern. High winds can peel back roofing, rip off skirting, and shift a home off its anchoring system if it's not properly tied down. Carriers know this, which is why many of them won't touch manufactured housing at all.
Then there's the land question. Some mobile home owners own their lot. Others rent space in a park. That changes what your policy needs to cover. Tie-down and anchoring requirements also affect your rates and whether a carrier will even write the policy. All of this adds up to a situation where you need an agent who knows the manufactured housing market, not just someone reading off a screen.
// WHAT'S COVERED
What Your Mobile Home Policy Covers
Dwelling Coverage
Covers the structure of your manufactured or mobile home against fire, wind, hail, lightning, and other covered perils. In Louisiana, wind is the big one. A single hurricane or severe thunderstorm can tear siding off, rip skirting loose, or damage roofing. Dwelling coverage pays to repair or replace the home itself.
Personal Property
Covers your furniture, electronics, appliances, clothing, and other belongings inside the home. If a storm, fire, or theft destroys your things, personal property coverage helps you replace them. Most policies cover items at actual cash value, but you can upgrade to replacement cost.
Liability Protection
Pays legal fees and medical bills if someone is injured at your mobile home and you're found responsible. Most policies include $100K-$300K in liability coverage. If you want more protection, you can add an umbrella policy on top.
Trip Collision
If you ever need to move your mobile home to a new lot or park, trip collision coverage protects against damage during transport. This covers the home while it's being towed on public roads. It's not something you use often, but when you need it, you really need it.
Additional Living Expenses
If a covered event makes your mobile home uninhabitable, this pays for hotel stays, meals, and temporary housing while your home is being repaired or replaced. After a hurricane or fire, you shouldn't have to worry about where you're sleeping tonight.
Other Structures
Covers detached structures on your property like sheds, carports, porches, and decks that aren't physically attached to the mobile home. This is typically covered up to 10% of your dwelling amount. If you've added a carport or storage building, make sure your policy reflects it.
Why Mobile Home Owners in Baton Rouge Work With Us
We're an independent agency on Sherwood Forest Blvd in Baton Rouge. Independent means we don't work for one insurance company. We work for you. And when it comes to mobile home insurance, that matters more than usual.
Here's why: most carriers won't write mobile home policies. The ones that do have very specific rules about what they'll cover. Some only write homes built after 1976. Some require a permanent foundation. Some won't cover single wides at all. Because we work with multiple carriers, we can find the ones that actually fit your home and your situation. A captive agent at a big-name company can only tell you yes or no. We can shop it.
We also know the Louisiana specific requirements that affect your policy and your rate. Tie-down systems, wind mitigation features, skirting requirements, whether your home is on a permanent foundation or still on wheels. These details change what carriers will offer you and how much you'll pay. We work with mobile home owners across EBR, Ascension, and Livingston parishes, from Denham Springs to Prairieville to Gonzales, so we know what carriers are writing in your area.
Bundling can save you money too. If you also need car insurance or flood insurance, we can often package them together for a multi-policy discount.
And when something goes wrong, like storm damage to your roof or a tree falling on your carport, your carrier's claims line is the fastest first step. But if you have questions about what's covered, need help understanding what the adjuster is saying, or just want to talk it through with someone local, call us at (225) 395-4000. We're here to help.
Get Your Mobile Home Quote
Or call (225) 395-4000 to talk to a local agent.
// RATE FACTORS
What Affects Your Mobile Home Insurance Rate
Several things determine how much you'll pay for mobile home insurance in Baton Rouge:
Year built
Homes built after June 1976 meet HUD construction and safety standards, which most carriers require. Older homes are harder to insure and cost more when you can find coverage.
Single-wide vs. double wide
Double-wide homes are generally more stable and easier to insure. Single-wides are more vulnerable to wind and often come with higher premiums or fewer carrier options.
Tie-down and anchoring system
Proper tie downs reduce wind damage risk significantly. Most carriers require them, and having a certified anchoring system can lower your premium.
Permanent foundation vs. wheels
A home on a permanent foundation is more stable and qualifies for better rates. Some carriers won't write a policy at all if the home is still on its transport wheels.
Location and flood zone
Your zip code and flood zone affect your rate. Areas with higher wind exposure or flood risk cost more to insure, and some locations have fewer carrier options.
Roof type
Shingled roofs, metal roofs, and flat roofs are all rated differently. A newer metal roof can lower your premium because it handles wind better than older shingled roofing.
Skirting
Skirting protects the underside of your home from wind, animals, and moisture. Some carriers require it, and having it in good condition can help your rate.
Mobile Home Insurance FAQ
Most mobile home owners in Louisiana pay between $700 and $2,000 per year. The actual cost depends on the home's age, whether it's a single wide or double wide, your location, and how it's anchored. Homes built after 1976 (when HUD codes kicked in) tend to qualify for lower rates. We can compare quotes from multiple carriers to find the best price for your situation. For more on home insurance pricing in general, check out our article on how much home insurance costs in Louisiana.
Yes, but there are some details to watch. Most mobile home policies cover wind and hail damage, but many have a separate wind/hail deductible that's higher than your standard deductible, often 2-5% of the dwelling amount. Flood damage from storm surge or rising water is never covered under a wind policy and requires a separate flood insurance policy. For a full prep checklist, see our hurricane insurance checklist for Louisiana.
They cover similar things (dwelling, personal property, liability), but they use different policy forms and are written by different carriers. Most standard homeowners carriers won't write mobile home policies at all. Mobile home insurance is designed for manufactured housing, which has different construction standards and risk profiles than site-built homes. Learn more about how dwelling coverage works.
We strongly recommend it if you're anywhere in Louisiana. Mobile homes are especially vulnerable to flooding because many sit lower to the ground and can shift off their foundations in rising water. Your mobile home policy does not cover flood damage. That requires a separate flood insurance policy through the NFIP or a private carrier. Read our guide on whether you need flood insurance in Louisiana for more details.
Only if you own the land. Your mobile home policy covers the home itself, your belongings, and liability. If you own the lot, you may want additional coverage for other structures on the property. If you rent a lot in a mobile home park, the park owner's insurance covers the land. We can look at your specific setup and make sure there aren't gaps. For common misunderstandings about what's covered, see our article on homeowners insurance myths in Louisiana.
Call your carrier's claims line first. They'll assign an adjuster and get the process started. Take photos of all damage before you clean up or make temporary repairs. If you have questions about what's covered, need help understanding what the adjuster is telling you, or just want someone local to talk it through with, call us at (225) 395-4000. We're here to help.
Still have questions? Call (225) 395-4000 or get your free quote.
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Related Coverage
If your mobile home is in a flood-prone area, and in Louisiana most areas are, you'll want a separate flood insurance policy. Your mobile home policy doesn't cover flood damage. If you're thinking about upgrading to a site-built home down the road, take a look at our homeowners insurance page to see how coverage changes. Bundling your mobile home policy with auto insurance can save you 5-15% on both. And if you want extra liability protection beyond what your mobile home policy provides, an umbrella policy adds another layer for a relatively low cost.
Let's Find the Right Coverage for Your Mobile Home
Or call us directly: (225) 395-4000