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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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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. The credit check is a soft pull that 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
One application, soft pull only.
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.
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.