What MHIA stands for depends on context, but most common meanings include Manufactured Housing Insurance Agency in US insurance, Mortgage and Housing Insurance Australia for lenders mortgage insurance, Manufactured Housing Institute of Australia for industry body, and Mental Health Insurance Australia. In insurance context in Australia, MHIA often refers to Manufactured Housing Insurance Agency offering insurance for manufactured homes, mobile homes and park homes covering building, contents and liability. It can also stand for Mortgage and Housing Insurance Australia, which provides lenders mortgage insurance LMI underwritten by Helia and QBE for banks like Commonwealth and NAB, protecting lender if borrower defaults. In US, MHIA is Manufactured Housing Insurance Agency underwriting manufactured home insurance via Foremost and American Modern. In building, MHIA can mean Manufactured Housing Institute of America. For Australian Seniors home insurance, underwriter is Insurance Australia Limited not MHIA. So MHIA stands for Manufactured Housing Insurance Agency or Mortgage and Housing Insurance Australia depending on context, with both related to housing insurance, one for manufactured homes, other for mortgage insurance. If you saw MHIA on home insurance document, likely refers to Manufactured Housing Insurance Agency or Mortgage and Housing Insurance Australia, you should check PDS for full name.
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