Manufactured Housing Insurance Services®

Manufactured Home Insurance in Montana

Coverage built for Montana's wildfire country, Front Range winds, and long winters

Montana has manufactured and mobile home communities scattered across its vast geography, from valley towns in western Montana through the Bozeman, Billings, and Great Falls metro areas and out into the eastern plains. The state's insurance profile is shaped by severe winter weather, wildfire exposure across much of the state, persistent high winds, and severe summer thunderstorms. Our agents help Montana mobile home owners find carriers familiar with the state's rural risk profile and combination of perils.

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

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 Montana

Severe winter weather is a constant in Montana, and heavy snow loads, ice storms, frozen pipe claims, and damage from extreme cold drive meaningful activity each year. Wildfire risk is significant across much of the state, particularly in forested western Montana counties and in fire-prone rangeland through the central and eastern portions. High winds are a year-round concern in many parts of Montana, with the Front Range east of the Rockies producing some of the most persistent wind exposure in the country. Severe summer thunderstorms produce hail across the eastern plains, and flooding affects properties along the Yellowstone, Missouri, and Clark Fork river systems during heavy snowmelt.

Mobile Home Insurance Regulations in Montana

The Montana Commissioner of Securities and Insurance regulates the state's property market, and Montana enforces installation, anchoring, and tie-down requirements for manufactured housing. The state does not operate a wildfire-specific insurer of last resort, so properties in higher-risk wildland-urban interface zones may need specialty mobile home or surplus lines carriers when standard carriers decline coverage. Montana has consumer protections around post-disaster non-renewal that can give homeowners breathing room after a major fire season, and mapped flood zone properties generally require separate flood coverage.

The Montana Mobile Home Insurance Market

Montana's mobile home insurance market is generally accessible in lower-risk valley and metro areas, with specialty manufactured home carriers writing standard coverage. Properties in higher-risk wildfire zones — particularly forested mountain communities — see narrower carrier appetite, and some homes need to combine standard property coverage with separate wildfire endorsements or move to surplus lines markets. Older homes face limited options statewide, and homes with defensible space, current roofing, and proper installation documentation tend to see better outcomes at renewal.

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