Manufactured Housing Insurance Services®

Manufactured Home Insurance in New Mexico

Coverage built for New Mexico's wildfire country, monsoon season, and high-plains winds

New Mexico has manufactured and mobile home communities across the state, from the Albuquerque and Santa Fe metros through the southern desert and into the high country of the north. Insurance considerations in New Mexico are shaped by wildfire exposure across much of the state, monsoon flash flooding, severe summer thunderstorms with hail, and high winds through the high plains. Our agents help New Mexico mobile home owners find coverage matched to the state's rural geography and combination of perils.

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

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 New Mexico

Wildfire is a major and growing peril in New Mexico, with the catastrophic 2022 Hermits Peak/Calf Canyon fire underscoring how quickly mountain communities can be inundated by fire. Wildland-urban interface zones span much of the northern and western parts of the state, and carriers have tightened underwriting in higher-risk counties. Monsoon flash flooding affects properties — including those outside FEMA-designated flood zones — through July, August, and September. Severe thunderstorms produce hail and damaging winds across the eastern plains, and high winds are a year-round concern in many parts of New Mexico.

Mobile Home Insurance Regulations in New Mexico

The New Mexico Office of Superintendent of Insurance regulates the state's property market, and New Mexico enforces installation, anchoring, and tie-down requirements for manufactured housing through the New Mexico 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 specialty mobile home or surplus lines carriers when standard carriers decline coverage. New Mexico has consumer protections around post-disaster non-renewal, and mapped flood-zone properties generally require separate flood coverage.

The New Mexico Mobile Home Insurance Market

New Mexico's mobile home insurance market is generally accessible in lower-risk urban areas of Albuquerque and Santa Fe, with specialty manufactured home carriers writing standard coverage across the state. Properties in higher-risk wildfire zones — particularly forested mountain communities in the north — 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 New Mexico, all specially trained to handle claims quickly and fairly. Knowledge of New Mexico 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 New Mexico, 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 New Mexico. 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 New Mexico.