Mobile Homes

| Liability | Perils | Mobile Home Park Discount | Replacement Cost of Mobile Home |

We insure all kinds of mobile homes: old, new, single-wide, multi-sectional, seasonal, rental, in-park or out-of-park, in town or on a hobby farm. We also insure homes of all different values, from low to high.

Our carriers protects your home and detached structures.

Your individual needs may vary, but if you need mobile home insurance that insures more than just your home, you want a policy that covers your personal belongings and any unattached structures. Plus, you want the comfort of knowing that you have personal liability protection. The policy includes coverage for all these categories!

A Mobile Home policy provides you with comprehensive coverage that protects your investment in your home, property and other structures against a variety of accidental causes of physical damage. That means the property you insure is covered unless a peril (the event that causes damage) is listed as excluded in your policy. Some of the causes of loss that your  policy protects you against are:

• Fire
• Vandalism
• Landslide
• Falling Objects
• Explosion
• Off Right-of-Way Collision
• Attempted or Actual Burglary or Robbery
• Water Damage from Bursting Pipes
• Damage from Ink, Paint, Dye, Shoe and Nail Polish
• Damage by Wild or Stray Animals
• Collapse from the weight of ice and snow
• Wind*
• Hail*

* Coverage may not be available in all areas.

You also get these important coverages – standard!

Additional Living Expenses

Trees, Shrubs, Plants and Lawns

Removal of Debris, of Your Insured Property, After a Covered Loss Emergency Removal Service Credit Card and Check Forgery Emergency Repairs After a Loss Fire Department Service Food Spoilage Coverage What’s more, the personal property you usually keep at your primary residence is covered under this comprehensive policy, worldwide! personal property coverage is subject to special limits and coverage exceptions.

These important optional coverages can be added to your policy if you have special insurance needs, or for extra peace of mind:

• Trip Coverage When Moving Your Home
• Personal Liability Coverage on Additional Residences
• Scheduled Personal Property Coverage
• Earthquake (not available in California)

Replacement Cost Coverage for your Home, Other Structures and Personal Belongings A  Policy Also Provides Important Liability Coverage! Of course, physical damage to your property isn’t the only hazard of modern life. That’s why a Foremost policy includes liability coverage for physical injuries and property damage to others. We’ve all read newspaper headlines about juries awarding $10,000, $100,000, $1,000,000 or more in lawsuits involving neighbors and friends. Liability coverage is an important part of your insurance package.

Liability Coverage applies when there is a claim or a lawsuit against you after someone is injured or their property is damaged because of your activities. It will pay up to your policy's liability limit for damages awarded for medical costs, lost income, pain and suffering if you are judged responsible for an injury. It also pays the cost to repair or replace damaged property with similar property. Liability coverage also covers your court costs.

Liability Coverage also includes Medical Payments to Others, which pays medical expenses up to the policy limit if a person who does not live in your home is injured while on your property or because of your activities. Examples of injuries resulting in a claim against this coverage include injuries suffered when someone falls on your property or if your dog bites someone.

Specially trained  claim representatives are located throughout the country, so you’ll receive fast, personal service. Whether you have your claim settled on the phone with one of our friendly claim staff or receive a visit from one of our field claim team, you can rest assured that you’re talking with a specialist in handling mobile home claims small and large. We know what it takes to fix your home and how to settle your claim quickly and to your satisfaction. To ensure your claim is handled right away, our toll-free claim line is available 24 hours a day, every day.

Payouts for Replacement Homes

If you suffer one of the most devastating losses, the loss of your home, these policies now pay the amount of insurance shown on the Declarations Page of the policy, less any applicable deductible. If you’ve purchased replacement cost coverage, the policy will pay up to 120% of the amount of insurance if you replace your home on the same premises!

Coverage for Flood Damage is not included

If you'd like an estimate for a flood policy through the National Flood Insurance Program, call us we can help.