Coverage Options


Foremost mobile home Insurance - Manufactured home insurance
Foremost mobile home Insurance - Manufactured home insurance

These articles pertain to our various mobile home insurance options. When you are shopping for mobile home insurance, the coverage is not one size fits all and it is best to shop around with several mobile home insurance providers before purchasing to ensure that you have an insurance policy that meets your needs concerning both coverage and cost.

There are several types of homes of structures that qualify for coverage under a mobile home insurance policy. We offer free mobile home insurance quotes from multiple providers in as little as 5 minutes. We protect all of the following types of homes with top of the line mobile home insurance from Foremost and other reliable providers:

  • Mobile homes

  • Manufactured homes

  • Modular homes

  • Multi-section homes

Click on the buttons and articles below to read more about Foremost mobile home insurance and get some free mobile home insurance quotes from multiple industry-leading providers like those listed in our Providers Section.

Get a Quote Today

Modular Home Insurance

Foremost mobile home Insurance - Modular home insuranceModular home insurance is essentially just basic homeowners’ insurance

modular home only differs from a traditional home in cost and assembly, in all other ways however it more closely resembles a normal home than a mobile home. For these reasons and the fact that modular homes are affixed to permanent foundations, modular home insurance is just like any other homeowner’s insurance.

Any modular home insurance policy will protect you from the basic perils of:

  • Fire
  • Storms (wind, rain, snow, tornadoes, etc.)
  • Burglary
  • Vandalism
  • & More

There are more perils or protections available on even basic modular home insurance plans, but these coverage details may vary from one state or residence to the next and as such, the most effective way to get free quotes and more information on homeowners insurance policies is to call our office during regular business hours at 1-800-771-7758.

Get a Quote Today

RV ( Recreational Vehicles )

Foremost RV InsuranceIn addition to supplying you with free quotes and affordable policies for your mobile home, we can also insure and protect motor homes. The only times when you aren’t obligated to purchase RV insurance are if:

  • Your RV is only towable, and cannot be driven
  • You own it outright and are willing to assume your financial responsibility

In all other cases, you must maintain insurance on your RV to live in it safely, and especially to drive it on public roadways.

Specialized RV Insurance 

When it comes to getting insurance for RVs there is a unique set of challenges. Insurance policies for recreational vehicles are different because an RV counts as both a vehicle and domicile or residence intermittently. 

While you are driving your RV, we provide you with liability or comprehensive insurance policy for indemnity coverage against other drivers, as well as protection of your motor home, its contents, and its occupants against collision as well as other physical damages. 

Once your RV is parked, however, it’s considered a domicile and we will insure it as such. That means we can even include the special provision listed in the “Parked RV Options” sidebar. Basic liability insurance is the very least RV insurance coverage you must purchase whether you own, rent, or have borrowed your recreational vehicle. 

Liability insurance 

Not unlike the liability insurance purchased for cars, this type of recreational vehicle insurance policy is responsible for meeting the state minimum liability limits for proving financial responsibility to operate a vehicle legally. 

Basically, RV liability insurance is like your permission slip to operate a potentially deadly vehicle on public roadways. 

Although it only meets state minimum liability requirements, liability insurance coverage can and will save you thousands in the event of an accident. Liability insurance on a vehicle assumes the financial responsibility of your actions for you as long as any traffic accidents or incidents for which you file insurance claims are considered qualifying events by your RV insurance policy provider. People who own their motor homes or have borrowed them for a trip are not obligated to purchase full coverage RV insurance, but they often do. 

If you have rented or financed your motor home however, you will most likely be required to purchase full coverage RV insurance as well. This is explained below. 

Comprehensive & Collision (Full Coverage

These RV insurance options protect your motor home from collisions with stationary objects, other vehicles, and non-collision damages like natural disasters. 

The reason that you are obligated to purchase this more expensive type of RV insurance coverage when you have financed your recreational vehicle is that the finance company needs to be assured that they will get a return on their investment in the event of a loss (destruction of the RV). 

Full coverage RV insurance usually protects against damages of all types except flood and earthquake damage. Some other damages from which comprehensive RV insurance will protect your motor home include: 

Wind, hail, fire, civil commotion, volcanic eruption, falling objects (debris, tree limbs, airplane parts), and more…

Click on the button below or call 1-800-771-7758 to get free quotes and more information on insuring your recreational vehicle.

Get a Quote Today

Basic Mobile Home Insurance

Foremost Mobile Home InsuranceBasic mobile home insurance includes protection against all property damage caused by a shortlists of dangers or risks called perils as well as basic mobile home liability insurance which is almost identical to homeowners’ liability coverage except tailored expertly to the unique risks posed by a mobile home.

The perils portion of your plan determines what types of property damage will be eligible for reimbursement, and the mobile home liability insurance will protect you from being held responsible for bodily injuries or personal property damage inflicted upon others by accidents in your home, or because of your actions while in someone else’s home.

If something causes your home damage and is on the list of perils, the property damage to your home can be said to be a covered event under your mobile home insurance policy. If the goofy neighbor girl breaks her wrist jumping on your couch, that is also a covered event under the mobile home liability insurance portion of your policy. Click on the get quotes button below to instantly get free quotes on an insurance policy for your mobile or manufactured home

For immediate service please call our office during regular business hours at 1-800-771-7758

Mobile home insurance and manufactured home insurance are the same things. 

A mobile home is a term that refers to manufactured homes built before 1976 that fit the classic description of a trailer park home (a dwelling that measures approx. 14′ wide and up to 84′ long on a metal frame with wheels for easy transportation). After ’76 however, federal guidelines required that all manufactured homes be produced without wheels.

Read the sidebar at the right to learn more about manufactured homes and the huge variety of manufactured home insurance available through Foremost and our other providers.

Mobile Home Insurance: Property Damage & Perils

Mobile home insurance exists to protect your mobile home, manufactured home, and attached or detached structures from property damage which is caused by any of a list of dangers, risks, or perils.

The primary perils against which a basic mobile home insurance policy will protect you are as follows :

  • Explosion
  • Fire
  • Storms (wind, rain, snow, tornadoes, etc.)
  • Burglary
  • Vandalism

There are more protections available in a basic mobile home insurance policy but they may vary from carrier to carrier. For more robust mobile home insurance, however, you would do better to visit our comprehensive mobile home insurance page.

The best way to get a low price on an affordable mobile home insurance policy that protects your home and detached structures from property damage is to get free quotes and information on our Foremost mobile home insurance options and the products of our other providers by clicking on any of the get quotes buttons or calling our office at 1-800-771-7758 during normal business hours.

Mobile Home Insurance: Liability

Mobile home liability insurance is essentially a homeowner’s liability insurance.

When you own or rent a home or dwelling, you automatically become responsible for the goings-on therein including accidents that result in bodily injury or property damage to others. 

If you drop your friend backpack off the couch and their i-pad screen shatters on your tile: That loss is covered by mobile home liability insurance.

If your kids bring their friends home for dinner and you quickly prepare food for them all without realizing that one of them is allergic to one of your ingredients: Medical bills and the ambulance ride for that child would be covered under a mobile home liability insurance policy.

the liability portion of your mobile home insurance policy also protects you from liability for your actions or those of your children while at the residence of someone else (whether they have liability insurance or not). So if your child tends to break things, or yours is the apartment that all the kids prefer, this coverage should be important to you. 

Call us at the following number or click on the get quotes button below for free mobile home insurance quotes: 1-800-771-7758

Foremost home Insurance - Modular home insurance

Smart Home being constructed at the All American factory

A manufactured home is any type of housing that is constructed (either whole or in pieces) at one site and then affixed to a non-permanent foundation (and or assembled) at another site where it becomes a dwelling. For dwellings affixed to PERMANENT foundations see our modular home insurance page. 

manufactured home insurance and mobile home insurance are interchangeable terms, the only difference between them is the opinion of the policy-holder.

There are many types of manufactured homes of all different shapes and sizes, and offer free quotes on manufactured home insurance for all of them, but some of them will require special consideration.

We sell manufactured home insurance for all of the following types of dwellings and more, these are just a few of the common names for the nearly infinite variety of manufactured homes available in each state:

  • Double wide trailers
  • multi-sections

Get a Quote Today

Comprehensive Mobile Home Insurance

Comprehensive Coverage refers to an insurance policy that protects against most direct, sudden, and accidental physical losses. Some of the perils or sources of damage covered by comprehensive property damage are: fire, lightning, explosion, vandalism, landslide, falling objects, explosion, attempted or actual burglary or robbery, water damage from burst pipes, damage by wild or stray animals, collapse from the weight of ice and snow, and wind or hail damage.

To get started filling out a free and fast online quote form for comprehensive or ‘full coverage mobile home insurance just follow the link below. You may also reach us at 1-800-771-7758 between the hours of 7:00 a.m. and 6:00 p.m. M-F (PST) to get immediate assistance from a real and helpful agent.

Other coverage options and extras

These optional mobile home insurance riders are not included standard on every policy, but they make great compliments to a basic policy and can save you thousands of dollars.


Loss of Use Expenses:

Policies may cover loss-of-use expenses. These are expenses incurred due to your home being temporarily uninhabitable. These expenses may include rental housing or a hotel room following a natural disaster or fire.


Earthquake and Flood:

These two coverage options are never included in any homeowner’s insurance.

They are costly and must always be purchased separately.

Optional Replacement Cost. 

Optional Replacement Cost coverage gives you a different kind of settlement if your home is destroyed which reflects actual costs.

 Costs considered in this settlement include costs to replace the damaged items with new property of comparable material and quality, without any depreciation deduction. In most states, this coverage also gives you the option of receiving up to 120% of the amount of insurance for your home to replace it!

Agreed Loss Settlement 

Realistically, this just means that if we agreed to pay you a certain settlement or benefit amount in the event of your home’s destruction, we will honor that amount and not try to shortchange you.

It’s terrible that this must be explained and that some people are already used to insurance companies giving them a hard time. Not with us. Ain’t nobody got time for that.


Liability Coverage 

This mobile home insurance option protects against liability for accidents to non-residents in your home. This means that if you are found legally responsible for an injury or property damage to someone who doesn’t live in your home, you only have to pay a deductible– your insurance will cover costs like, medical bills, lost wages, pain, and suffering, and property damage.


Specific and specialized coverage options

These Popular coverage options are even more specific, but we’ll cover them if you need them! 

  • 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
  • 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)

Get a Quote Today

Mobile Home Insurance Coverage Options

Call 1-800-771-7758 LIVE Sky-Agent® | Rapid Quote

Foremost Modular Home Insurance Options | Foremost Manufactured Home Insurance Coverage Options | Foremost RV Insurance Options