Manufactured Housing Insurance Services®

Manufactured Home Insurance in Delaware

Coverage built for Delaware's coastal exposure and Sussex County manufactured home communities

Delaware has a strong manufactured and mobile home presence, particularly in Sussex County and the southern half of the state, where many communities serve year-round residents and seasonal homeowners alike. The state's small geographic footprint belies a meaningful insurance profile shaped by Atlantic coastal exposure, tidal flooding around Delaware Bay, and nor'easter activity through fall and winter. Our agents help Delaware mobile home owners structure coverage that addresses both standard property risks and the state's coastal-specific perils.

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

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 Delaware

Coastal exposure dominates the insurance picture in southern Delaware. Hurricanes and tropical storms — though landfall events are less frequent than in the Carolinas or Florida — can deliver substantial wind, rain, and storm surge to Sussex County and the Delaware Bay shoreline. Nor'easters are a more common driver of wind and coastal flooding losses, and these events can stack consecutive storms in a single season. Inland flooding affects properties along the Nanticoke and Indian River systems after heavy rain, and severe summer thunderstorms produce occasional tornadoes and hail across the state. Winter weather, including ice storms and heavy wet snow, can drive roofing and tree-fall claims.

Mobile Home Insurance Regulations in Delaware

The Delaware Department of Insurance regulates the state's property market, and Delaware enforces specific installation, anchoring, and tie-down standards for manufactured housing. The state does not operate a hurricane-specific insurer of last resort the way Florida or North Carolina do, so homes in coastal high-risk zones typically work through specialty mobile home carriers or surplus lines markets when standard insurers decline coverage. Delaware also requires separate flood coverage for properties in FEMA-designated flood zones, generally written through the National Flood Insurance Program or a private flood insurer, and lender requirements often drive flood coverage decisions for mortgaged properties.

The Delaware Mobile Home Insurance Market

Delaware's mobile home insurance market is reasonably competitive in central and northern parts of the state, while Sussex County coastal zones see narrower carrier appetite — particularly for older homes or properties close to the shoreline. Pairing a wind-inclusive standard policy with separate flood coverage is the typical approach in the southern part of the state. Newer homes built to current installation and anchoring standards have meaningfully more options than older units, and homes in the inland portions of Sussex County typically see broader carrier participation than those in the immediate coastal corridor.

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