Foremost Mobile Home Insurance Review

While many companies in the insurance industry have chosen to focus on providing the top quality home insurance, Foremost has been offering specialized insurance for mobile and manufactured homes for over 65 years. It was the first insurance carrier to create an insurance policy that took into consideration a mobile home’s high risk of being robbed or damaged by a storm. Keep reading to learn about Foremost insurance coverage and determine if it’s the best mobile home insurance provider for you.

Pros and Cons of Foremost Mobile Home Insurance

✔ Created the first mobile home insurance product

✔ Has over 38,000 agents across the country

✔ Offers unique endorsements, like debris removal and food spoilage coverage

✘ Not available in Hawaii

✘ Offers loss of use coverage as an optional add-on

Foremost Mobile Home Insurance Cost

Mobile home insurance rates depend on the size of your home, the manufacture date of your home, your claims history, the number and type of pets you have, and other factors about you and your home. However, you can expect a Foremost policy to cost between $300–$1,000 per year.

Foremost Discounts

You can get a discount from Foremost for the following situations:

Bundling mobile home insurance with another Foremost policy
Having a new home
Being 50 years or older
Having your home in an approved mobile home park
Being a USAA or AFI member
Being claims-free

Foremost Coverage

Here’s a list of some of the events that Foremost will cover:

Fire
Lightning
Vandalism
Explosion
Landslide
Falling objects
Burglary
Water damage from bursting pipes
Wild or stray animals
Weight of snow or ice
Wind or hail

A base policy from Foremost will include the following coverage:

Dwelling—This covers all of the built-in elements of your mobile home, like the siding, cabinetry, and electrical system. If an event destroys your home, Foremost will pay to rebuild it.
Other structures—If you have other structures on your property that are detached from your home, like a fence, shed, or garage, Foremost will cover these items.
Personal property—Your insurance policy will cover everything you own, from your kitchen appliances to your bedroom furniture. If anything is damaged by a covered event, Foremost will give you enough money to replace it.
Liability—If you’re responsible for an event that injures someone or damages their belongings, Foremost will pay for that person’s medical bills or damage costs.

Foremost Additional Coverage

Foremost has an extensive list of add-ons for the following areas:

Additional living expenses
Trees, shrubs, plants, and lawns
Debris removal
Emergency removal services and emergency repairs
Credit card and check forgery
Fire department services
Food spoilage coverage
Hobby farm or ranch liability
Identity fraud expense and management
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

Customer Service and Claims Support

For billing questions, you can call 800-532-4221, Monday through Friday, from 9 am to 8 pm. For claims questions, you can call 800-527-3907 at any time. For all other questions, you can call 800-527-3905, Monday through Friday, from 9 am to 8 pm. You can also log into your customer portal or use Foremost’s mobile app for self-service.

Foremost Mobile Home Insurance Customer Reviews

Foremost has an A+ rating from the Better Business Bureau (BBB). Take a look at what some customers said about their experience with the company:

“Great service, best rates around. I have shopped it, and I’ve shopped it. No one can beat them. My agent goes above and beyond. I love that they call me every year to make sure that nothing has changed and check in; they also send birthday cards. So sweet, really a personal touch!” — Kaleb H.

“I have complained about an item listed on my declaration page, and it turns out that item was ‘optional.’ As a senior, if I did not question it, how would I have known? I have yet to be shown in writing or told of a recording in which I authorize this item now known to me as ‘optional.’ I hold the opinion that this company is unfair in how it labels such items, especially for seniors.” — Natonya H.

Foremost Mobile Home Insurance vs. the Competition

Compare Foremost to the Competition

Provider	Foremost	Geico	State Farm
Our score	86.9	98	96.6
State availability	49*	50	50
BBB rating	A+	A+	A
Years in business	92	84	98
24/7 claims service	✓	✓	✓
Protective devices/safety features discount	X	✓	✓
Mobile app	✓	✓	✓

*Foremost is not available in Hawaii

State Availability

Foremost is available in all states except Hawaii.

Our Conclusion

Foremost offers customizable coverage for mobile homeowners and provides dwelling, other structures, personal property, and loss of use coverage. Customers have the option to add over 15 endorsements to strengthen their coverage. The company also has strong customer service with a mobile app, customer portal, 24/7 claims center, and an A+ rating from the BBB.

The downside to Foremost mobile home insurance is that you get less comprehensive coverage because the base policy doesn’t come with loss of use or medical payments to others coverage. You can get loss of use coverage through the additional living expenses endorsement, but Foremost doesn’t advertise medical payments coverage on its website in any capacity.

To find other companies that will offer you mobile home insurance coverage, input your zip code into the tool below or call 855-948-5219 to get quotes over the phone.

Frequently Asked Questions

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

Coverage (30)
State availability (7.5)
Customer service (15)
Technology (12.5)
Reputation (20)
Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.