Mississippi factory-built home license bonds.
Quote on review.
Mississippi’s State Fire Marshal's Office licenses every business that manufactures, sells, develops, transports or installs factory-built homes, and each license needs a surety bond. Regulation MH-2008-1 sets the bond by license type, from $25,000 to a $1,000,000 minimum for three or more plants, so each is quoted on review.
Trusted by industry leaders
How much does a Mississippi factory-built home license bond cost?
It is underwritten: the premium is quoted from the bond amount and your financial picture, so there is no flat price to show.
From bond request to license application.
The Fire Marshal's Factory Built Home Division reviews the license application, the liability insurance certificate and the surety bond together, in one package. Here is the whole process:
Request a quote
Enter the bond amount your license type requires, an effective date, the county you are applying from, and your Fire Marshal license number if you are renewing. Add your business and owner details exactly as they appear on your license application.
A surety specialist quotes it
A specialist confirms the license type and facility count, reviews your business and the soft credit pull, and returns your premium — and tells you up front if a large manufacturer bond calls for financial statements or collateral. Accept the quote and pay, and the bond is prepared.
Notarize and send it with your application
Your bond arrives on the Fire Marshal's Surety Bond for Licensure form for your license type, with the power of attorney attached. Sign it before a notary and send it to the Factory Built Home Division in Jackson with the application, the insurance certificate and the license fee.
What it is and who needs it.
What the Mississippi factory-built home bond actually guarantees
Mississippi regulates factory-built homes — HUD-code manufactured and mobile homes and state-code modular homes — through the Commissioner of Insurance acting as State Fire Marshal. Under Miss. Code Ann. § 75-49-9(1), every manufacturer, transporter or installer, developer and retailer who sells, manufactures, transports or installs new or used factory-built homes in the state must obtain a license from the commissioner, and Regulation MH-2008-1 adds modular contractors to that list. Licenses are annual: § 75-49-9(10) makes every license expire on June 30 following its issue, so the license year runs July 1 through June 30.
The State Fire Marshal's Office handles these licenses through its Factory Built Home Division. The smallest is the $25,000 bond an installer/transporter files.
The bond requirement comes from 2008 H.B. 1388, which amended § 75-49-11 to let the commissioner set bonding and insurance requirements for these licensees. The commissioner did so in Regulation MH-2008-1, now 19 Miss. Admin. Code Pt. 7, Ch. 4. Its stated purpose is to give consumers a way to recoup losses when a licensee has gone out of business or failed to meet its legal or regulatory responsibility to them. Rule 4.05 requires every new and renewal application to include proof of both a surety bond and a general commercial liability policy, with the Fire Marshal's Office named as certificate holder on the insurance.
The amended rule took effect on July 1, 2026 and raised most of the bond amounts. A manufacturer or modular contractor now needs a $500,000 bond per licensed facility, or a $1,000,000 minimum bond for three or more facilities, plus a $2,000,000 liability policy. A developer needs a $50,000 bond per facility, or a $100,000 minimum bond for three or more. A retailer needs the same $50,000 bond per facility, with the $100,000 minimum bond applying to three or more facilities under common ownership; developers and retailers also carry a $1,000,000 liability policy. An installer/transporter files a $25,000 bond and carries at least $100,000 of liability coverage plus cargo coverage for moving homes. The old separate class for retailers doing repossession resales with no lot is gone.
The bond must be written on the Surety Bond for Licensure form the Fire Marshal provides for your license type — Developer, Installer/Transporter, Manufacturer or Modular Contractor, or Retailer, each Revised 07/2026 and marked not to be altered. It binds the principal and surety to the Commissioner of Insurance as State Fire Marshal, conditioned on the licensee faithfully performing its duties under Title 75, Chapter 49 and the regulation. A consumer who suffers loss from an act or omission the bond covers can bring the claim before the Fire Marshal; the surety validates the loss, and total payout never exceeds the aggregate penal sum. It is not insurance for you: if the surety pays a claim, you repay the surety.
The bond runs for one year and is kept in force by a continuation certificate signed by you and the surety and filed with the Commissioner. The surety can cancel only on at least 60 days' written notice to the Fire Marshal's Office and to you, and claims can still be brought for 12 months after cancellation for anything that arose while the bond was in force. Failing to keep the bond and insurance in place is a violation of § 75-49-11 under Rule 4.06, and the Fire Marshal may deny, suspend or revoke the license or impose a fine.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
Term and renewal are set in the underwriter's quote.
Keep the bond in force for as long as the obligation behind it runs.
How to file it
Notarize and send it with your application. Your bond arrives on the Fire Marshal's Surety Bond for Licensure form for your license type, with the power of attorney attached. Sign it before a notary and send it to the Factory Built Home Division in Jackson with the application, the insurance certificate and the license fee.
What sets the price
This bond is underwritten: the premium is quoted from the bond amount and your financial picture, so there is no flat price to show.
One application, one underwriting review.
These are the actual underwriting fields — the bond amount for your license type, the effective date, your county, your Fire Marshal license number, your entity type and business address, and the owner and contact details, with a soft-pull credit consent. Submit once and a surety specialist returns a quote, usually within one business day. Free until issued.
Start the application →Common questions.
Other Mississippi bonds.
Requirements checked on the carrier’s application, .
Get the bond your Fire Marshal license needs.
Tell us your license type and how many facilities you run, and a surety specialist sizes, underwrites and quotes the bond on the Fire Marshal's form — usually within one business day. Free until issued.