Manufactured Housing Insurance Services®

Manufactured Home Insurance in Alabama

Coverage built for Alabama's hurricane coast and tornado-prone interior

Alabama has substantial manufactured and mobile home populations across the state, from the Gulf Coast through the Black Belt and into the Tennessee Valley. The state's exposure to both Gulf hurricanes and Dixie Alley tornadoes creates a coverage profile that's distinctly Alabama, and finding the right policy means working with carriers familiar with both perils. Our agents help Alabama mobile home owners identify coverage that addresses the state's specific risks without paying for protection they don't need.

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

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 Alabama

Alabama sits within two of the most active severe weather zones in the country. Hurricane and tropical storm exposure is concentrated along the Gulf Coast through Mobile and Baldwin counties — Hurricanes Sally and Ivan are recent reminders that even mid-strength storms can cause catastrophic damage to mobile homes — while tornado risk runs high statewide as Alabama anchors the eastern edge of "Dixie Alley." Mobile homes are disproportionately affected in tornado events because of their lighter construction, and historical data consistently shows manufactured housing as a high-risk shelter type. Severe thunderstorm hail through central and northern Alabama in spring is another claim driver carriers underwrite carefully.

Mobile Home Insurance Regulations in Alabama

The Alabama Department of Insurance regulates the state's property insurance market, and Alabama maintains the Alabama Insurance Underwriting Association — commonly called the Beach Pool — which provides wind and hail coverage for properties in coastal Mobile and Baldwin counties when private carriers won't write the risk. Coastal mobile home owners often pair a Beach Pool wind policy with a separate non-wind homeowners policy from a private insurer to assemble full coverage. Alabama also enforces specific tie-down and anchoring standards through the Alabama Manufactured Housing Commission, and proper installation documentation can affect both insurability and rates.

The Alabama Mobile Home Insurance Market

The Alabama mobile home insurance market splits clearly between coastal and inland counties. Properties in Mobile and Baldwin counties typically need to navigate the Beach Pool or specialty wind carriers, while inland homes generally have broader options through standard mobile home insurers. Tornado-prone counties in north and central Alabama see carriers price wind and hail coverage based on county-level loss history, so two homes with similar specs can see meaningfully different quotes depending on ZIP code. Working with an agent who knows which carriers are actively writing in your county is the practical advantage in Alabama's 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 Alabama, all specially trained to handle claims quickly and fairly. Knowledge of Alabama 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 Alabama, 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 Alabama. 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 Alabama.