Manufactured Housing Insurance Services®

Manufactured Home Insurance in Louisiana

Coverage built for Louisiana's hurricane coast, flood zones, and shifting insurance market

Louisiana has one of the highest concentrations of manufactured and mobile homes in the country, with communities throughout south Louisiana, the Florida Parishes, central Louisiana, and the northern parishes around Shreveport and Monroe. The state's insurance profile is dominated by hurricane and flood exposure, and Louisiana has lived through some of the most disruptive insurance market cycles of any state in recent years. Our agents help Louisiana mobile home owners navigate a market that requires specialized knowledge and active carrier tracking.

Are you looking to buy Manufactured Home Insurance for your Manufactured, Modular, or Mobile Home in Louisiana? 

Manufactured Housing Insurance Services (MHIS) is the best choice for your mobile home insurance needs. We've been in business serving the manufactured home insurance community for over 40 years. If you are looking for mobile home insurance near me, please give us a call, toll-free at 866-644-7111, or use our fast quote form, and we will contact you with the lowest mobile home insurance costs.

Let's get started! Please enter your Name and click "Start Quote"

MHIS exclusively provides manufactured housing insurance. Mobile Home Insurance, Modular Home Insurance, and Manufactured Home Insurance are all areas we specialize in. By focusing on manufactured homes, we have a better understanding of this specific industry and a greater understanding of your needs.

Mobile Home Insurance Risks in Louisiana

Hurricanes and tropical storms drive the largest share of insurance losses in Louisiana, and the state's extended Gulf coastline and low-lying terrain make storm surge a primary concern in addition to wind. Hurricanes Laura, Delta, and Ida — all within recent memory — caused widespread mobile home damage and reshaped carrier appetite across south Louisiana. Flooding is a separate peril that requires its own policy, and Louisiana has more NFIP policyholders per capita than nearly any other state. Tornadoes spawned by tropical systems and severe spring storms add another layer, and northern parishes also see hail and winter ice events.

Mobile Home Insurance Regulations in Louisiana

The Louisiana Department of Insurance regulates the state's property market, and Louisiana Citizens Property Insurance Corporation operates as the insurer of last resort. Louisiana has been navigating a multi-year market dislocation, with several carriers becoming insolvent or exiting the state and Citizens absorbing a significant share of policies. The state enforces installation, anchoring, and tie-down requirements for manufactured housing, and post-storm consumer protections — including cancellation moratoriums after declared events — are an important part of the regulatory framework. Wind and hurricane deductibles are typically structured as percentages of dwelling coverage.

The Louisiana Mobile Home Insurance Market

Louisiana's mobile home insurance market is among the most challenging in the country. Carrier appetite shifts frequently, and homes in coastal and south Louisiana parishes often need to work through Citizens or specialty wind carriers, paired with separate flood coverage. The state's ongoing market reforms have aimed at attracting private carriers back, but the pace of change makes working with an agent tracking current availability essential. Newer homes built to current wind standards and properties in lower-risk inland parishes generally see broader options than older homes near the coast.

Reputable

  • Specialists - Unlike other insurance services, MHIS deals exclusively with manufactured / mobile home insurance.
  • Top Rated - We've partnered with American Modern Insurance Group and American Bankers Insurance Company (Both rated A or better by A.M. Best)
  • Excellent Claim Service - We work with Claim Adjusters in Louisiana, all specially trained to handle claims quickly and fairly. Knowledge of Louisiana is what makes our "personal service" the best in the industry.

Responsive

  • Fastest Service Around - Our experienced, friendly staff provides instant quotes, binders, and policies, and we can fax or email everything you need immediately.
  • Satisfied Customers - We offer reasonable, competitive mobile home insurance rates (sometimes referred to as cheap mobile home insurance) in Louisiana, and our fast, personalized service keeps our customers happy.

Reliable

  • There When You Need Us - We have extended hours Monday-Friday. We don't have official weekend hours, but, in most cases, we are still available to assist.
  • Comprehensive Coverage - All of our policies provide Comprehensive Coverage so you can rest easy knowing you're covered.
  • Policies with Personal Service - We'll analyze your insurance needs and recommend any optional coverages that may be needed. Mobile home insurance is our specialty, and we are confident you will be happy you bought your mobile home insurance from us.

Buying home insurance is more than just finding cheap homeowners insurance in Louisiana. Let our trained professionals show you how cheap mobile home insurance can still be high-quality home insurance. When it comes time to place a claim, you need to be sure that you are covered, and your claim will be processed efficiently and accurately. This is why MHIS is the best choice for mobile home insurance; we guarantee that you will be satisfied with our service.


What is the difference between Manufactured Homes, Mobile Homes and Modular Homes?

Mobile Homes, Manufactured Homes or Trailer Homes is a classic naming convention for homes made off-site, and then delivered to their intended location.

Does it matter when you are looking for an Insurance Quote?

Lets first understand the difference in terms used for Manufactured Homes so we can better understand which one we are looking to insure.

TL;DR: Modular Homes do use a different type of policy than Manufactured Homes.

Manufactured Homes and Mobile Homes

This term is effectively interchangeable as both share the same basic construction features;

  • Factory-built
  • Delivered to its final location
  • Built on a sturdy frame often made of steel I-beams
  • May come with the means to affix to a permanent foundation

But the key difference between Mobile and Manufactured Homes is based on its manufactured date. Mobile homes have assembly dates prior to June 15, 1976. All similar homes built after June 15, 1976, are labeled as Manufactured Homes. Manufactured Homes and Trailer Homes also have a serial number.


Modular Homes

Modular Homes are similar to homes built on-site. There is no tag / serial number, and they do not need to be renewed annually. Modular homes are often delivered in sections. In many cases, Modular homes look more like traditional stick-built homes. Modular homes also use standard homeowner insurance policies.

Please contact us for your free no-obligation quote or if you have any questions regarding Insurance for your home in Louisiana.