Manufactured Housing Insurance Services®

Manufactured Home Insurance in Oklahoma

Coverage built for Oklahoma's Tornado Alley, severe hail, and high-wind plains

Oklahoma has substantial manufactured and mobile home populations across the state, from the Oklahoma City and Tulsa metros through rural communities and tribal lands throughout the plains and into the southeastern hills. The state sits in the heart of historical Tornado Alley and ranks among the worst hail states in the country, and that risk profile shapes nearly every aspect of mobile home insurance in Oklahoma. Our agents help Oklahoma mobile home owners find carriers experienced in writing coverage in one of the most severe-weather-exposed states in the country.

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

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 Oklahoma

Tornado activity is the defining peril in Oklahoma, and the state has a long history of historic tornado outbreaks — the 1999 Bridge Creek-Moore and 2013 Moore tornadoes are part of the state's collective memory. Mobile homes face elevated risk in tornado events, and carriers underwrite wind and hail coverage with that exposure top of mind. Hail from severe thunderstorms is a major and persistent claim driver — Oklahoma regularly leads the nation in hail loss frequency — and damaging straight-line winds are common during spring and summer storms. Wildfire risk has grown across rangeland in much of the state, and ice storms and severe winter weather generate meaningful claim activity.

Mobile Home Insurance Regulations in Oklahoma

The Oklahoma Insurance Department regulates the state's property market, and Oklahoma enforces installation, anchoring, and tie-down requirements for manufactured housing. The state does not operate a property-focused insurer of last resort, so homes outside standard carrier appetite typically work with specialty mobile home or surplus lines insurers. Oklahoma's wind and hail underwriting has tightened in recent years as carriers respond to the rising frequency and severity of severe-weather events, and the state maintains consumer protections around non-renewal and post-disaster cancellations.

The Oklahoma Mobile Home Insurance Market

Oklahoma's mobile home insurance market is shaped heavily by wind and hail exposure, and most carriers structure separate, percentage-based wind/hail deductibles. Homes with older roofs increasingly face roof-condition underwriting at renewal, and replacing an aging roof can materially affect both insurability and rates. Specialty manufactured home carriers remain active across the state, while older homes face narrower options. Working with an agent who tracks current carrier appetite and deductible structures county by county is the practical advantage in Oklahoma's severe-weather-driven market.

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