Manufactured or mobile homes are not required to be built to the same standard as a house. They are built to a lesser standard which means they are less likely to withstand severe weather than a house would. This makes mobile homes more vulnerable to wind-driven rain, hail, tornadoes, and other types of severe weather. A mobile home insurance policy that covers your home against such losses could potentially save you thousands.
Mobile homes are also at a higher risk for theft. That’s because they are usually unattended and there is no one around to intervene if a burglar breaks into your home. As a result, mobile home insurance providers often require a very high deductible compared to what you’d have to pay if your home was a standard house.
Foremostpayonline has been offering insurance for mobile and manufactured homes for over 65 years. They have the lowest prices on mobile home insurance available anywhere and their service is among the best in the industry. As the top provider of mobile home insurance in the nation, they have an extensive history of serving the needs of this unique consumer group.
Keep reading to discover how much they could save you by switching to Foremost insurance. Mobile homes are at the highest risk for damage from storms. That’s why the first insurance carrier to offer a mobile home insurance policy that takes this factor into consideration is the best mobile home insurance provider for you.
Foremost Mobile Home Insurance Pros and Cons
- The lowest prices on mobile home insurance are available.
- Provides the most comprehensive coverage of mobile homes.
- Great service with an extensive history of serving the needs of this unique consumer group.
None! If you already have homeowners or other insurance, you may be able to use that policy as a supplement to your Foremost insurance. In that case, you could receive a substantial discount on the price of your mobile home insurance. However, if that’s not the case, Foremost insurance will provide the very best protection against loss available for your mobile home.
What Can You Save by Switching to Foremost Mobile Home Insurance?
In some states, mobile home insurance rates are up to 300% higher than rates for homeowner’s insurance. Therefore, switching to Foremost insurance could result in substantial savings for you.
Keep reading to discover how much you could save.
Reduced Premiums: The first benefit of switching to Foremost is the potential for lower premiums. This is due to the fact that Foremost does not require you to pay a “premium” for being a mobile homeowner.
In other words, they don’t charge you extra because your home is mobile. Mobile home insurance providers often charge a “premium” because it is their financial interest to do so. That’s why it is important for you to shop around and compare quotes from different insurance providers. Don’t just go with the company that offers the lowest price. Go with the company that offers the best price AND who will give you the most comprehensive coverage at the lowest possible price.
LOW deductibles: Another benefit of switching to Foremost is the low deductible they require. Many other mobile home insurance providers have very high deductibles. Evidently, these insurance providers believe an insured should pay for any damages to his or her home caused by severe weather conditions. However, the fact is, when it comes to your home, it should be the responsibility of the insurance provider to pay for any losses. Therefore, if you have a mobile home and it gets damaged by a storm, it should be repaired or replaced at no cost to you.
That way, if the wind does blow away part of your home or if the hailstones cause significant damage, your insurance provider will only have to reimburse you for the actual cash value of the damage. However, if your home is a standard house with a “stick-built” foundation, the insurance provider will likely require you to pay for any repairs to your home. That can quickly add up to thousands of dollars.
FOR WIND-DRIVEN RAIN: A mobile home insurance policy that covers your home against such losses could potentially save you thousands. Mobile homes are also at a higher risk for theft.
Foremost Mobile Home Insurance Coverage
- Damage from wind, hail, tornadoes, and hurricanes.
- Water damage from floods and storms.
- Breakdown and recovery (bailout) coverage.
- Special provisions for mobile homes located in high-risk areas.
- Complete relocation coverage.
PROPERTY CONDITIONS COVERAGE:
Protects your home against conditions that could cause it to become untenantable. For example mold, dry rot, termites, carbon monoxide poisoning, and more.
A special section that provides protection for your home if it is being used for business purposes or rented to tenants. For example, this would include coverage for business advertising on the building, business personal property, business visitors, crime and theft, fire, lightning, smoke, and vandalism.
RELOCATION COVERAGE: Covers the cost of moving your home or business if it has been damaged or destroyed by a covered cause of loss.
COVERED CAUSES OF LOSS: Windstorms, tornadoes, hurricanes, floods, earthquakes, volcanic eruptions, ice storms, snowstorms, hailstorms, and even collisions with meteorites are all considered “covered causes of loss” under our policies. They also cover damage caused by vandalism, riot or civil commotion, and terrorism.
Foremost Mobile Home Insurance Cost
Comparison Table As you can see, Foremost mobile home insurance costs less than most other mobile home insurance providers. And, because they do not charge a “premium” for being a mobile homeowner, they also offer the best price for full coverage. In fact, their lowest single-family price is only $39 per month! That’s less than half the average price of other major mobile home insurance providers. On top of that, Foremost gives you an additional discount if you buy more than one year of protection at the same time. So if you’re like most people, you can probably get three to five years of coverage for about half of what other providers charge for just one year of coverage. That means you could potentially save hundreds of dollars per year by going with Foremost.
Customer Service and Claims Support
As you would expect from a company that has been in business for over 90 years, Foremost has the industry’s best claims support and customer service. Their customer service representatives are all licensed insurance agents who have been trained to handle any type of claim you might have. And their toll-free phone number is 800-527-3905. You can call anytime, 7 days a week, 24-hours a day. And if you prefer to use email instead, They will respond to your emails within 24-hours, Monday through Friday, 9:00 a.m. to 5:00 p.m., Eastern Standard Time.
How is Foremost Homeowner Insurance different from Foremost Mobile Home Insurance?
And then what is the difference between homeowners insurance and mobile home insurance? If you are like most people, you probably didn’t realize there was a difference until now. But the difference is very important.
Homeowners insurance covers your home and its contents. It protects you against all types of losses, except those caused by vandalism and theft. Mobile home insurance only covers the structure of your home. It does not protect you or your belongings against anything other than fire, the collapse of the home, and damage caused by vandalism or theft. A lot of people who have mobile homes also have personal property such as lawnmowers, snowmobiles, outboard motors, and other “high-powered” equipment. This type of property is not covered by a mobile home insurance policy. Neither is the property located outside the mobile home park that you are renting from the owner.
If you are a mobile homeowner, you need to have both a mobile home insurance policy and a homeowners insurance policy. You can get both types of coverage from Foremost. And, because they have the lowest mobile home insurance premiums in the industry, they will also give you the best price for full coverage. They will also handle all of the claims for you, which means you won’t have to hire an attorney or wait in long lines to get your money. And finally, because they are the only insurer that offers “concurrent coverage”, you can add more properties to your existing policy and still keep your rate as low as possible. To get your free quote today, call their toll-free customer service hotline at 800-527-3905. If you prefer to use their email form, send your information to firstname.lastname@example.org. Do you know how important it is to protect your home when you are on vacation? It is vitally important!