Manufactured Housing Insurance Services®

Manufactured Home Insurance in Pennsylvania

Coverage built for Pennsylvania's winters, severe storms, and river floodplains

Pennsylvania has substantial manufactured and mobile home populations across the state, from the Philadelphia and Pittsburgh metros through the Lehigh Valley, the Pocono and Allegheny mountain regions, and rural communities throughout the Commonwealth. The state's insurance profile is shaped by severe winter weather, severe summer storms with hail and tornadoes, ice storms in the highlands, and flooding along the Susquehanna, Delaware, and Allegheny river systems. Our agents help Pennsylvania mobile home owners find coverage tuned to the state's combination of urban, rural, and mountain risk profiles.

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

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 Pennsylvania

Severe winter weather is a defining feature of much of Pennsylvania, and heavy snow loads, lake-effect events near Lake Erie, ice storms, and frozen pipe claims drive meaningful activity each year. Severe thunderstorms with hail and damaging straight-line winds affect much of the state during spring and summer, and tornadoes occur sporadically but can produce significant losses, particularly across central and western Pennsylvania. Flooding is a significant concern, particularly along the Susquehanna, Delaware, and Allegheny river systems, with historical events like Hurricane Agnes and Tropical Storm Lee underscoring how quickly inland flooding can affect entire river corridors.

Mobile Home Insurance Regulations in Pennsylvania

The Pennsylvania Insurance Department regulates the state's property market, and the Pennsylvania FAIR Plan operates as the residual market for property owners who can't secure standard coverage. Pennsylvania enforces installation, anchoring, and tie-down requirements for manufactured housing and maintains consumer protections around non-renewal and post-disaster cancellations. Properties in FEMA-designated flood zones generally require separate flood coverage written through the National Flood Insurance Program or a private flood insurer, and lender requirements often drive flood coverage decisions in floodplain communities.

The Pennsylvania Mobile Home Insurance Market

Pennsylvania's mobile home insurance market is generally competitive across most of the state, with specialty manufactured home carriers active in both metro and rural communities. Homes with newer roofs and current installation documentation tend to see better outcomes at renewal, while older mobile homes — particularly pre-1976 units — face narrower options statewide. Properties in flood-prone river communities benefit from agents who can structure both property and separate flood coverage, and tornado- and hail-prone counties sometimes see carriers structure higher wind and hail deductibles.

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