MS modular home contractor bonds.
Flat 3%. Soft pull.
Mississippi licenses modular home contractors through the Insurance Department and conditions the license on a surety bond of $25,000 per facility (a $50,000 minimum applies for more than three facilities). We issue it at a flat 3% — one soft credit pull, which never affects your score.
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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.
Reviewed & approved
Most of these clear quickly; if underwriting needs anything, you hear from an underwriter within 48 hours. The credit check is a soft pull that never affects your score.
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.
The whole pricing page.
Bond amount × 3% = your premium, one-time, $275 minimum. Enter $25,000 per facility (or your $50,000-plus figure for more than three) and the premium updates.
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 Insurance Department, conditioned on a surety bond.
The bond is $25,000 per licensed facility, with a $50,000 minimum for contractors operating more than three facilities. 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
Five minutes. The whole thing.
These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is typically issued within 1–2 business days.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the Mississippi modular home contractor bond? +
How is the bond amount set? +
Who requires this bond? +
Is there a credit check? +
When does it renew? +
Other New York bonds.
The Insurance Department is waiting on one document.
Flat 3%, five-minute application, e-signed bond in 1–2 business days. Free until issued.