Manufactured Housing Insurance Services®

Manufactured Home Insurance in Nevada

Coverage for Nevada's wildfire zones, desert exposure, and Las Vegas and Reno markets

Nevada has substantial manufactured and mobile home communities, particularly across the Las Vegas valley, the Reno-Sparks area, and rural counties throughout the state. Insurance considerations in Nevada are shaped by wildfire exposure across much of the state, extreme heat and high winds in the desert, occasional flash flooding, and the seismic risk that runs through western Nevada. Our agents help Nevada mobile home owners identify carriers familiar with the state's mix of urban and rural risk profiles.

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

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 Nevada

Wildfire is a significant insurance peril across much of Nevada, particularly in northern counties around Reno and along the Sierra front, and along the rangeland that covers much of the state. Wildland-urban interface zones have expanded as more manufactured home communities sit close to fire-prone terrain, and carriers have tightened underwriting in higher-risk counties. Extreme heat accelerates roof and component wear and can complicate claims around HVAC systems and burst supply lines in summer. Flash flooding from monsoon rains affects properties even outside FEMA-designated flood zones, and seismic exposure runs along faults through western Nevada.

Mobile Home Insurance Regulations in Nevada

The Nevada Division of Insurance regulates the state's property market, and Nevada enforces installation, anchoring, and tie-down requirements for manufactured housing through the Nevada Manufactured Housing Division. The state does not operate a wildfire-specific insurer of last resort, so properties in higher-risk wildland-urban interface zones may need to work with specialty mobile home or surplus lines carriers when standard carriers decline coverage. Nevada has consumer protections around post-disaster non-renewal, and mapped flood-zone properties generally require separate flood coverage written through the National Flood Insurance Program.

The Nevada Mobile Home Insurance Market

Nevada's mobile home insurance market is generally competitive in lower-risk urban areas of Las Vegas and Reno, with specialty manufactured home carriers active across both metros. Properties in higher-risk wildfire zones — particularly along the Sierra front and in forested or rangeland 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 and current roofing 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 Nevada, all specially trained to handle claims quickly and fairly. Knowledge of Nevada 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 Nevada, 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 Nevada. 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 Nevada.