Manufactured Housing Insurance Services®

Manufactured Home Insurance in South Carolina

Coverage built for South Carolina's coast, Lowcountry flooding, and Upstate storms

South Carolina has substantial manufactured and mobile home populations across the state, from the coast and Lowcountry around Charleston and Hilton Head through the Midlands and into the Upstate. The state's insurance profile is dominated by hurricane and tropical storm exposure on the coast, severe storms and tornadoes across the interior, and meaningful flooding considerations both coastal and inland. Our agents help South Carolina mobile home owners find coverage matched to the state's very different coastal and inland risk profiles.

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

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 South Carolina

Hurricane and tropical storm exposure is the headline risk along South Carolina's coast, with Charleston, Beaufort, Horry, and Georgetown counties seeing some of the most repeat-exposed coastline in the country. Storms like Hugo, Matthew, and Florence have reshaped how carriers think about both wind and inland flooding in the state. Tornadoes are a meaningful concern across the Midlands and Pee Dee, and severe thunderstorms with hail affect much of the state. Flooding is a major issue both coastal and inland — the 2015 thousand-year floods underscored how heavy rain events can devastate communities far from the shoreline.

Mobile Home Insurance Regulations in South Carolina

The South Carolina Department of Insurance regulates the property market, and South Carolina maintains the South Carolina Wind and Hail Underwriting Association — the Wind Pool — for properties in coastal areas that can't secure wind coverage in the standard market. Coastal mobile home owners often combine Wind Pool coverage with separate non-wind property and flood policies. South Carolina enforces installation, anchoring, and tie-down requirements for manufactured housing and maintains consumer protections around post-disaster cancellations and non-renewals.

The South Carolina Mobile Home Insurance Market

South Carolina's mobile home insurance market is shaped heavily by geography. Coastal counties typically work through the Wind Pool or specialty wind carriers paired with separate non-wind and flood coverage, while Midlands and Upstate communities generally have broader options through specialty manufactured home insurers. Hurricane deductibles in coastal counties are typically structured as percentages of dwelling coverage, and homes with newer construction and current installation documentation tend to see better outcomes at renewal. Older homes face narrower options statewide.

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