Manufactured Housing Insurance Services®

Manufactured Home Insurance in Mississippi

Coverage built for Mississippi's hurricane coast, Dixie Alley tornadoes, and Delta flooding

Mississippi has one of the highest per-capita rates of manufactured and mobile home ownership in the country, with communities along the Gulf Coast, through the Pine Belt, the Delta, and into northern Mississippi. The state's insurance profile is shaped by significant hurricane exposure on the coast, intense tornado activity in the interior, and meaningful flooding considerations along the Mississippi River and its tributaries. Our agents help Mississippi mobile home owners find coverage built for the state's combination of coastal and inland perils.

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

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 Mississippi

Hurricane and tropical storm exposure dominates the insurance picture in coastal Mississippi — Hancock, Harrison, and Jackson counties — where storms like Katrina remain a benchmark for catastrophic loss potential. Tornado risk is intense across the Pine Belt and central and northern Mississippi, with the state sitting squarely within Dixie Alley's most active corridor. Mobile homes are particularly vulnerable in tornado events, and the state has seen multiple high-fatality outbreaks in recent decades. Flooding affects properties throughout the Delta and along the Mississippi, Yazoo, and Pearl river systems, and severe thunderstorms with hail are recurring claim drivers across the state.

Mobile Home Insurance Regulations in Mississippi

The Mississippi Insurance Department regulates the property market, and the Mississippi Windstorm Underwriting Association — the Wind Pool — provides wind and hail coverage for properties in the six coastal counties when private carriers won't write the risk. Coastal mobile home owners often pair Wind Pool coverage with separate non-wind property and flood policies. Mississippi enforces installation, anchoring, and tie-down requirements for manufactured housing through the Mississippi Manufactured Housing Association, and the state has consumer protections around post-disaster cancellations and non-renewals.

The Mississippi Mobile Home Insurance Market

Mississippi's mobile home insurance market splits between coastal and interior counties. Properties in the six coastal counties typically navigate the Wind Pool and specialty wind carriers paired with separate non-wind and flood coverage, while inland homes generally have broader options through specialty manufactured home insurers. Tornado-prone counties in central and northern Mississippi sometimes see higher wind and hail deductibles, and older homes — particularly pre-1976 units — face narrower options statewide.

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