Manufactured Housing Insurance Services®

Manufactured Home Insurance in Arkansas

Coverage built for Arkansas's tornado belt, river floodplains, and Ozark country

Arkansas has one of the highest per-capita rates of manufactured and mobile home ownership in the country, with homes spread across the Delta, the Ozarks, the River Valley, and the Ouachita region. Insurance considerations vary noticeably by region — tornado exposure is intense statewide while flood risk concentrates along the Mississippi, Arkansas, and White river systems. Our agents help Arkansas mobile home owners assemble coverage tuned to their specific county and topography rather than relying on one-size-fits-all policies.

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

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 Arkansas

Tornado and severe thunderstorm risk is the defining peril in Arkansas. The state lies in the heart of the modern tornado belt, with March through May producing the heaviest activity and a secondary fall season that can be just as destructive. Mobile homes are particularly vulnerable in these events, and carriers underwrite wind and hail coverage carefully across most of the state. Flooding affects both lowland Delta communities and Ozark valley properties after heavy rain events, and most policies require flood coverage to be written separately through the National Flood Insurance Program. Ice storms — Arkansas saw catastrophic ice storm losses in 2009 — can also cause significant tree-fall and structural damage to mobile homes.

Mobile Home Insurance Regulations in Arkansas

The Arkansas Insurance Department regulates property insurance in the state, and the Arkansas Manufactured Home Commission oversees installation, anchoring, and tie-down standards. Arkansas does not operate a state-run insurer of last resort, so homes that fall outside standard carrier appetite typically move to specialty or surplus lines markets. The state has consumer protections around non-renewal notices and post-disaster cancellations, and Arkansas maintains specific rules around how carriers can cancel or non-renew after a claim. Documentation of HUD compliance and proper installation directly affects which carriers will write a given home.

The Arkansas Mobile Home Insurance Market

Arkansas's mobile home insurance market is generally competitive across most counties, with several specialty carriers actively writing standard manufactured home coverage. Older homes — particularly pre-1976 units that don't meet HUD standards — have a much narrower set of options anywhere in the state. Counties with concentrated tornado loss history sometimes see higher wind and hail deductibles, and properties in or near floodplains along the major river systems benefit from working with an agent who can structure both standard property and separate flood coverage in one package.

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 Arkansas, all specially trained to handle claims quickly and fairly. Knowledge of Arkansas 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 Arkansas, 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 Arkansas. 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 Arkansas.