Mississippi factory-built home retailer bonds.
From $500.
Mississippi licenses retailers of factory-built homes through the State Fire Marshal’s Office under the Factory-Built Homes Act (Miss. Code § 75-49-1 et seq.), and conditions the license on a surety bond — $50,000 per facility since July 1, 2026, or a $100,000 minimum for three or more facilities under common ownership. Pricing is 1% of your bond amount, from $500.
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How much does a Mississippi factory-built home retailer bond cost?
1% of the bond amount, from $500 at the $50,000 minimum. Enter your amount in the calculator for the exact price.
Three steps to filed.
Enter your amount, consent to one soft credit pull, and file with the State Fire Marshal’s Office. Here is the whole thing:
Apply once, online
Business details, the bond amount your license requires, and the effective date — plus a one-time consent to a soft credit pull.
Approved
Most are approved as soon as you apply. One soft credit pull, never a hard inquiry, and it never affects your score. If it needs a second look, one to two business days at most.
E-sign & file with the Fire Marshal’s Office
Pay online and receive the executed bond, ready to file with your factory-built home retailer license application. Wet-ink originals mailed whenever the office insists.
What it is and who needs it.
What the bond actually covers
Mississippi regulates factory-built homes — HUD-code manufactured homes and modular homes — under the Factory-Built Homes Act, Miss. Code § 75-49-1 et seq., enforced by the State Fire Marshal’s Office within the Mississippi Insurance Department. Anyone who acts as a retailer must be licensed, and the license is conditioned on a surety bond.
The bond is a consumer-protection guarantee: it stands behind your compliance with the Act and protects buyers harmed by a retailer’s violation of the licensing law, fraud, or breach of a sale contract. Under § 75-49-9, no licensed retailer may deliver a factory-built home for human habitation without a bond on file.
It is not insurance for you — if the surety pays a claim, you repay the surety. Since July 1, 2026 the Fire Marshal’s bonding rule sets $50,000 per facility, or a $100,000 minimum for three or more facilities under common ownership (19 Miss. Admin. Code Pt. 7, Ch. 4, Rule 4.05); pricing is 1% of the bond amount, from $500, with a quick soft credit check that never affects your score.
You need this bond if you are
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
The term is set on the carrier’s application; the premium covers the period shown there.
Renewal falls on the statutory date, June 30, in the year your term ends.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
E-sign & file with the Fire Marshal’s Office. Pay online and receive the executed bond, ready to file with your factory-built home retailer license application. Wet-ink originals mailed whenever the office insists.
What sets the price
The premium is 1% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
One soft credit pull, never a hard inquiry, and it never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, one soft pull.
These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is issued when you pay.
Start the application →Common questions.
Other Mississippi bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Retailer bond, issued today.
1% of the bond amount, from $500 at the $50,000 single-facility minimum. Soft pull only — never a hard inquiry. Enter your required amount and file with the Fire Marshal’s Office.