Comprehensive Coverage Tailored for Manufactured Housing

A standard manufactured home policy ensures you are protected against the specific risks and liabilities associated with homeownership in our region. A solid policy typically covers:

• Physical Structure Protection: Covers your home against physical damage from covered disasters such as fire, lightning, severe hail, and major windstorms.

• Personal Property Coverage: Protects your belongings inside the home—including furniture, electronics, clothing, and appliances—in the event of theft, vandalism, or covered natural disasters.

• Liability Protection: Safeguards your financial assets if a guest is accidentally injured on your property and files a legal claim.

• Adjacent Structures: Extends coverage to detached structures sitting on your land, such as custom porches, carports, storage sheds, or garages.

• Loss of Use / Additional Living Expenses: Provides financial assistance to cover temporary housing and living costs if a covered disaster makes your home unsafe to live in during repairs.

Q: Is mobile home insurance different from a regular standard home policy?

• A: Yes. Because manufactured homes are built to specialized federal and factory construction codes rather than traditional site-built standards, they require a dedicated mobile home policy. A specialized policy ensures you have precise coverage for the structure, personal property, and adjacent additions like custom porches or carports.

Q: Can you write insurance policies outside of Louisiana?

• A: No. Because insurance regulations are entirely state-specific, I am strictly licensed as a Property and Casualty Insurance Producer within the state of Louisiana.

Q: What about modular home policies?

• A: I can definitely help you get one, but they are run just like a site-built home policy.