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Illinois Manufactured Housing Installer Bond

The Illinois Manufactured Housing Installer Bond protects homeowners and guarantees that installation contractors will cover the cost of repairing any damage caused during manufactured home installation, up to and including full replacement of the home. The bond amount can be as low as $10,000 when combined with insur…

Bond amount$10,000
State or jurisdictionIllinois
ObligeeU.S. Department of Housing and Urban Development (HUD)

Essential point: Pin down whether this is your bond, then start the application. Ava can confirm the right state and license type if you are not sure.

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Overview

What it is.

The Illinois Manufactured Housing Installer Bond protects homeowners and guarantees that installation contractors will cover the cost of repairing any damage caused during manufactured home installation, up to and including full replacement of the home. The bond amount can be as low as $10,000 when combined with insur…

Who usually needs it

Licensed manufactured housing installers operating in Illinois who install manufactured homes under HUD standards. This bond is required to obtain and maintain a HUD manufactured home installer license.

Pricing & timing

What to expect.

Generic pricing

License bonds are required by state and local governments to ensure compliance with industry regulations. Typical Pricing:. • Small bonds (under $25,000): Typically $100–$250 per year (flat fee). • Larger license bonds: Commonly around 1–5% of the bond amount annually. • Credit impact: Good credit: starting around 1–2% · Average credit: typically 2–4% · Credit challenges: often 4–5% or higher. Same-day approval is typical for many common license bonds. Some license bonds may price higher depending on the specific bond type, state program, or underwriting requirements.

Your quote determines the actual premium.

Typical timeframe

Issuance timeframe varies by bond type and underwriting

Timing can change when underwriting needs more information.
Application details

How it works.

  1. Start the application

    Confirm the bond and provide applicant and business details.

  2. Review the quote

    See the terms and premium before deciding to continue.

  3. Pay and sign

    Complete the required payment and signatures.

  4. Receive the bond

    Get the issued bond and filing or delivery instructions.

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Frequently asked

Common questions.

Is the Illinois manufactured housing installer bond required by the state or federal government?

This bond is required by federal HUD regulations under 24 CFR 3286.205, not by Illinois state law. Illinois currently has no statewide requirements for the entire installation of manufactured homes at the state level. However, installers who operate under HUD's installation program and seek a HUD installer license must comply with the federal bond requirement. HUD may request proof of the bond at any time, and installers must notify HUD of any changes or cancellations to their coverage.

What are the bond coverage options for Illinois manufactured housing installers?

Illinois manufactured housing installers have five HUD-approved coverage options under 24 CFR 3286.205: (1) Surety bond only - $100,000 sufficient to replace the home, (2) Irrevocable letter of credit only - amount sufficient to replace the home, (3) Surety bond + insurance - $10,000 bond plus general liability insurance listing HUD as additional insured, (4) Letter of credit + insurance - $10,000 LOC plus $250,000 general liability policy, or (5) Insurance only - $250,000 general liability covering warranty issues for one year post-installation with no deductible. The bond or coverage must be maintained continuously for the license to remain valid.

Who can file a claim against an Illinois manufactured housing installer bond?

Homeowners who suffer damage to their manufactured home or its supports caused by installer errors during installation can file claims against the bond. HUD may also initiate claims for violations of installation standards. Valid claims include foundation problems, structural damage, utility connection errors, improper anchoring, or any installation defects requiring repair or replacement. The surety investigates each claim and pays valid claims up to the bond amount, then seeks reimbursement from the installer.

Next step

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