Mobile or manufactured homes have risen in popularity over the last few years, especially in Mississippi. In fact, Mississippi takes the top spot on the list of states with the highest number of manufactured houses in 2023.  And, just like any other house, a mobile or manufactured home needs to have the right insurance coverage to make sure it is protected.
Below is a list of some of the mobile home insurance companies offering coverage in Mississippi.
What companies offer mobile home insurance in Mississippi?
There are many companies that offer mobile home insurance in Mississippi. Many of the largest insurance companies, like Geico, Progressive, and Foremost, offer mobile home insurance as one of their coverage options.
Some other companies only offer mobile home insurance, like Manufactured Housing Insurance Services. Also, some local companies offer a variety of coverages that include mobile home insurance, like Mississippi Farm Bureau Insurance.
Mobile home insurance companies in Mississippi
Here are some of the insurance companies offering mobile home insurance in Mississippi in 2024:
How much is mobile home insurance in Mississippi?
The average cost of homeowners insurance in the U.S. is $1,754 per year, but Mississippi residents pay almost 50% more for homeowners insurance than the national average. Due to the higher risk of loss in extreme weather situations, mobile home insurance is often pricier than standard home insurance coverage. But rates vary based on a number of factors, including:
Where you live
Size of your manufactured home
Age of your mobile home
Your claims history
Your policy deductible amount
Mobile home insurance discounts in Mississippi
Every insurance company has their own unique discounts, but here are some of the most common discounts in Mississippi for manufactured home insurance:
Mobile home park: If your home is located in an approved mobile home park.
Age of home: If you have a newer mobile home.
Wind-resistant features: If your mobile home has wind-resistant features, like storm windows, to help protect against tornadoes, tropical storms, and hurricanes.
Bundled policies: If you bundle your mobile home insurance with another insurance policy with the same company.
No claims in past three years: If you’ve been claims-free for a specific number of years — usually anywhere from three to five years.
Association membership: If you’re a member of certain associations, like USAA, AFI, or AARP.
Paperless policy: If you sign up to receive your policy documents electronically.
Paid-in-full: If you pay your insurance premium annually instead of monthly or bimonthly.
Age of insured: If you’re over the age of 50 or retired.
Is mobile home insurance required in Mississippi?
No, mobile home insurance is not legally required in Mississippi. But if you have a mortgage on your property, the odds are good that your lender requires you to have mobile home insurance in place to protect their investment.
You may also be required to purchase manufactured home insurance if you live in a mobile home park. That’s because homes in mobile home parks are located so close together that damage from something like a fire or flood can spread quickly and potentially destroy the entire park, leaving uninsured residents financially ruined.
What does mobile home insurance cover in Mississippi?
A typical HO-7 mobile home insurance policy comes with six standard types of coverage:
Dwelling: Covers the physical structure of your mobile home, including things like walls, windows, and the roof.
Mobile home extensions: Protects additional buildings or structures, including porches, garages, and other separate structures.
Personal property: Covers your belongings, like furniture and electronics.
Additional living expenses: Pays for costs associated with relocating or staying elsewhere while your mobile home is being repaired after a covered loss.
Personal liability: If you are found liable for damage or injury to someone else, this coverage pays for those legal and medical expenses.
Medical payments: Covers small-dollar medical expenses associated with a guest being injured on your property.
Extra coverages to consider for your mobile home in Mississippi
Here are a few other types of coverage you may want to purchase in addition to mobile home insurance, including:
Replacement cost coverage: Covers your home, personal belongings, and other structures based on the cost to replace them with new items without factoring in depreciation.
Hobby farming: Provides property and liability coverage related to farming activities.
Trip collision: Covers your mobile home in transit if you need to move it.
Flood insurance: Protects your mobile home from flood damage caused by flooding events like hurricanes and tornadoes.
Does mobile home insurance in Mississippi cover flooding?
Mobile home insurance does not include coverage for flooding — you’ll need a separate flood insurance policy for that. In addition to comparing mobile home insurance quotes with Policygenius, Mississippi homeowners can also compare the best private flood insurance rates, or choose a policy through the government-run National Flood Insurance Program.
Learn more >> Flood insurance for mobile homes