Mississippi modular home contractor bonds.
From $5,000.
Mississippi licenses modular home contractors through the State Fire Marshal’s Office and, since July 1, 2026, conditions the license on a surety bond of $500,000 per licensed facility (a $1,000,000 minimum applies for three or more facilities). Pricing is 1% of the bond amount, from $5,000.
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How much does a Mississippi modular home contractor bond cost?
1% of the bond amount, from $5,000 at the $500,000 minimum. Enter your amount in the calculator for the exact price.
Three steps to licensed.
Your modular home contractor license is waiting on this bond. Here's the entire process — no broker phone tag:
Apply once, online
Business details, owner information, the required bond amount, and an effective date. The only extra step is 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 Insurance Department
Pay online and receive the executed bond, ready to file with your modular home contractor license application. Wet-ink originals mailed whenever the state insists.
What it is and who needs it.
What the contractor bond actually guarantees
Mississippi regulates modular home contractors under Title 75, Chapter 49 and Mississippi Insurance Department Regulation MH-2008-1. A contractor who installs or manages the placement of factory-built modular homes must hold a license from the State Fire Marshal’s Office within the Insurance Department, conditioned on a surety bond.
Since July 1, 2026 the bond is $500,000 per licensed facility, with a $1,000,000 minimum for contractors operating three or more facilities (19 Miss. Admin. Code Pt. 7, Ch. 4, Rule 4.05 — the previous rule said $25,000 and $50,000). It provides financial protection to homeowners and government agencies — guaranteeing your compliance with the modular home law and proper performance of the installation work.
It's a three-party arrangement: you (the principal), the surety carrier, and the State of Mississippi (the obligee), with homeowners as the protected parties. It is not insurance for you — if the surety pays a claim, you repay the surety. Contractors who do clean work treat the bond as a license formality.
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 Insurance Department. Pay online and receive the executed bond, ready to file with your modular home contractor license application. Wet-ink originals mailed whenever the state 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 .
The Fire Marshal’s Office is waiting on one document.
From $5,000 (1% of the bond amount), short application, bond issued when you pay. Free until issued.