Mobile & Manufactured Home Insurance for Louisiana Owners

Affordable, Specialized Coverage for Your Mobile or Manufactured Home

Whether you own a mobile, manufactured, or modular home, the right insurance is essential-especially in Louisiana, where storms and flooding are real threats. At State Insurance Services, we specialize in helping mobile home owners in Gonzales, Ascension Parish, and across South Louisiana get coverage that truly fits. From newer double-wides to older single-wides, we have markets for homes of all ages and sizes-even if others have turned you away.

What Does Mobile Home Insurance Cover?

Home Structure

Repairs or rebuilds your home after fire, wind, hail, or other covered disasters-tailored for factory-built construction.

Personal Belongings

Replaces furniture, appliances, clothes, and more after theft, fire, or severe weather.

Liability Protection

Covers you if someone is hurt on your property or you accidentally damage another's property.

Loss of Use

Pays for hotel stays or temporary living expenses if your home is uninhabitable after a claim.

Specialized Features

Trip collision coverage for moving your home, optional flood insurance, and replacement cost (so you can buy new if yours is totaled).

Local Experts in Mobile Home Protection

Mobile homes are a big part of life in Louisiana-and we know how to insure them right. Our team works with top specialty carriers (like Foremost, American Modern, Imperial Fire & Casualty, and others) to find you affordable options and help with every detail, from anchoring requirements to storm deductibles. We can cover homes in parks or on private land and will guide you through every step.

Coverage for Every Age and Type of Home

Some insurers turn away older mobile homes, but we have markets for units built as far back as 1976 (and sometimes earlier if in good shape). From new modular homes to vintage trailers, our options include:

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Single-wide and double-wide homes

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Mobile homes in parks or on private land

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Homes with tie-downs/anchoring

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Rental and seasonal mobile homes

How Much Does Mobile Home Insurance Cost?

Premiums are typically lower than for standard homes, but wind, age, and location all matter. We shop specialty insurers to find you the best rate, and advise on all possible discounts-bundling with auto, installing storm shutters, having newer roofing, and more.

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Mobile Home Insurance Questions-Answered

  • How do I insure a mobile home in Louisiana?

    Just call or request a quote-our experts will find the right coverage for your specific home, age, and location.

  • Is mobile home insurance different from regular home insurance?

    Yes. It's tailored to factory-built homes, covering the unique risks and requirements (like anchoring) that standard policies don't address.

  • Can I get coverage for hurricane or flood damage?

    Absolutely. We offer hurricane/wind coverage as well as separate flood insurance options-crucial for Louisiana mobile home owners.


  • Do you insure older manufactured homes?

    Yes! We have markets for homes built as early as 1976 (the HUD code start year), sometimes earlier.

  • How do you determine how much to insure my home for?

    We base coverage on the replacement cost of a new, similar unit-so you can rebuild or replace fully after a major loss.

Insure Your Mobile Home-Get the Protection You Need

Mobile home insurance can be tricky, but we make it simple and stress-free. Request a custom quote today and enjoy your home with confidence-whatever Louisiana brings your way.