Mobile Home Insurance

Foremost began insuring mobile homes over 55 years ago, knows the industry and is the top insurer of mobile homes in the nation, so why not go with the leader. We provide you with expertise in the industry, well beyond our competition and years of experience in handling claims for mobile homes. Lucky for you, we can help you choose the right Foremost policy for your mobile or manufactured home, so you can enjoy your home while someone else takes care of the paperwork!

When I purchased my first home I was so excited. It was a great manufactured home with a small garden in back. It was 17 years old and needed some work, but I felt confident that I could fix it up in no time. When I purchased the mobile home, I needed to get insurance for it. I got a very stripped-down policy from a company I heard about that specialized in auto insurance, because it was the cheapest. However, I wasn’t able to get some additions on my coverage that I wanted because they thought my home was too old. Tragically, after the first year, I had a kitchen fire that spread to the whole house and my home went up in flames. Unfortunately, my choice of a policy with minimal limits didn’t cover my home at the current replacement value. My insurance company settled my loss like it was a car, on an actual cash value basis. I did not receive enough money to replace the home, let alone the cost of all the improvements I made to the home. After that mishap, I decided to go with a company that is a leader in mobile home insurance and that allowed me to add replacement cost, which would have replaced my home at today’s price, even if it’s 17 years old.

Our Mobile Home Insurance Has You Covered:

• Comprehensive Coverage.

  This means we cover most direct, sudden and accidental physical losses like: fire, lightning, explosion, vandalism, landslide, falling objects, explosion, attempted or actual burglary or robbery, water damage from bursting pipes, damage by wild or stray animals, collapse from the weight of ice and snow, and wind or hail damage.

• Optional Replacement Cost.

  Purchase Optional Replacement Cost coverage and get a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation. In most states, you can receive up to an additional 20% of the amount of insurance for your home if needed to replace your home!

• Agreed Loss Settlement.

  If your home is destroyed by an insured loss, you receive the full amount of insurance for your home (minus any applicable deductible).  No hassles.

• Liability Coverage.

  This provides coverage if you’re found legally responsible for an accident that causes injury or property damage to someone who doesn’t live in your home. It covers costs like their medical bills, lost wages, pain and suffering, and property damage.

• We Offer All The “EXTRAS!”

  • Additional Living Expenses
  • Trees, shrubs, plants and lawns
  • Debris removal
  • Emergency Removal Service and
    Emergency Repair after a loss
  • Credit card and check forgery
  • Fire Department service
  • Food spoilage coverage

• Popular Coverage Options To Choose From:

  • Hobby farm or ranch liability
  • Identity fraud expense and management including monitoring
  • Incidental business liability
  • Personal injury
  • Water damage from sewers and drains
  • Earthquake coverage
  • Trip coverage when moving your home
  • Personal Liability coverage on additional residences
  • Scheduled Personal Property coverage
  • Replacement cost coverage (mobile home, other structures and personal belongings)

Take Advantage Of The Knowledge At Hand.

Not all insurance companies have thousands of highly trained and exceptional agents across the country ready to provide you the best policy for your mobile home, in person. An agent is ready to answer the questions about Foremost insurance you didn’t even know you had.