Nearly 22 million Americans live in manufactured homes, yet 40% struggle to find affordable, comprehensive insurance coverage. If you’re among the millions seeking reliable mobile home protection, Foremost Insurance has been the industry pioneer since 1952, but is it still your best option in 2025?
Why Mobile Home Insurance Costs Are Rising (And What You Can Do About It)
Mobile home insurance premiums have increased by an average of 12% nationwide in 2024, according to industry data. This surge stems from several factors affecting the manufactured housing market:
- Climate-related claims: Severe weather events have increased mobile home claims by 23% since 2020
- Supply chain costs: Replacement materials for mobile homes have risen 15-18% post-pandemic
- Aging housing stock: Over 60% of mobile homes were built before 1990, creating higher risk profiles
- Limited insurer options: Only 15-20 major insurers actively compete in the mobile home market
The good news? Understanding your options and comparing rates can save you hundreds annually while securing better coverage.
Foremost Mobile Home Insurance: Company Overview
Foremost Insurance, a subsidiary of Farmers Insurance Group, holds the distinction of creating the first mobile home insurance policy in 1952. Today, they remain one of the “Big Three” mobile home insurers alongside American Modern and Assurant.
Key Company Facts:
- Financial Rating: A (Excellent) from AM Best
- Market Presence: Available in 49 states (excluding Hawaii)
- Claims Processing: Average 7-10 business days for standard claims
- Customer Base: Over 2 million mobile home policies nationwide
What Affects Foremost Mobile Home Insurance Rates
Understanding rate factors helps you secure better premiums and avoid overpaying:
Primary Rate Factors:
Home Age and Construction
- Pre-1976 mobile homes: 25-40% higher premiums
- Post-1976 manufactured homes: Standard rates
- HUD-certified homes: Preferred pricing
Location and Risk
- Mobile home parks: 10-15% discount available
- Rural locations: Higher rates due to fire department distance
- Coastal areas: Hurricane surcharges apply
Coverage Choices
- Actual cash value vs. replacement cost: 20-30% rate difference
- Deductible selection: $500 vs. $2,500 can save 15-25%
- Optional coverages: Each add-on increases premiums 3-8%
Foremost Mobile Home Insurance Coverage Options
Standard Coverage Includes:
Comprehensive Dwelling Protection Foremost offers “open-peril” coverage, protecting against all risks except those specifically excluded. This broader protection typically covers:
- Fire, lightning, and electrical damage
- Windstorm and hail damage
- Theft and vandalism
- Accidental damage from vehicles or aircraft
Liability Coverage Standard policies include $100,000-$300,000 in liability protection, covering:
- Bodily injury to visitors
- Property damage you cause to others
- Legal defense costs
- Medical payments to others (typically $1,000-$5,000)
Personal Property Protection Covers belongings at 50-70% of dwelling coverage, including:
- Furniture and electronics
- Clothing and personal items
- Tools and equipment
- Temporary living expenses during repairs
Optional Coverage Upgrades:
| Coverage Type | Annual Cost | What It Covers |
| Replacement Cost | $50-$150 | Full replacement without depreciation |
| Water Backup | $25-$75 | Sewer/drain backup damage |
| Scheduled Property | $15-$50 | High-value items (jewelry, art) |
| Extended Replacement | $40-$120 | Up to 20% over dwelling limit |
| Identity Theft | $25-$45 | Identity restoration services |
How to Compare Foremost Against Top Competitors
The “Big Three” Mobile Home Insurers:
- Pros: Industry experience, flexible underwriting, AARP partnership
- Cons: No 24/7 support, higher than average rates
- Best For: Older homes, unique situations, bundling discounts
- Pros: Covers vacant homes, good online tools, open-peril standard
- Cons: Limited discounts, no weekend service
- Best For: Rental properties, seasonal homes
- Pros: 24/7 claims, mobile app, Fortune 500 stability
- Cons: Limited state availability, open-peril costs extra
- Best For: Tech-savvy customers, frequent travelers
Rate Comparison (Average Annual Premiums):
| Coverage Level | Foremost | American Modern | Assurant |
| Basic ($50K dwelling) | $485-650 | $420-580 | $510-690 |
| Standard ($75K dwelling) | $650-850 | $580-750 | $680-920 |
| Comprehensive ($100K+) | $850-1,200 | $750-1,050 | $920-1,350 |
Rates vary by location, home age, and coverage selections
READ ALSO: Best Home and Auto Insurance Rates in Phoenix
7 Expert Tips to Lower Your Foremost Mobile Home Insurance Costs
1. Bundle for Maximum Savings
Combine mobile home insurance with auto or other policies for 10-25% discounts. Foremost’s multi-policy discount is among the industry’s most generous.
2. Leverage Age Discounts
If you’re 50+, ask about senior discounts. Foremost offers preferential rates for mature homeowners with established credit.
3. Choose Your Deductible Strategically
Increasing your deductible from $500 to $1,000 typically saves 15-20% annually. For $2,500 deductibles, savings can reach 25-30%.
4. Maintain Claims-Free Status
Foremost rewards customers with no recent claims. A 5-year claims-free record can earn 10-15% discounts.
5. Install Safety Features
Smoke detectors, deadbolts, and security systems can qualify for additional discounts of 5-10%.
6. Pay Annually
Annual payments eliminate monthly processing fees, saving $50-100 yearly compared to monthly billing.
7. Review Coverage Annually
Home values and replacement costs change. Annual reviews ensure you’re not over-insured or under-protected.
Common Foremost Mobile Home Insurance Mistakes to Avoid
Mistake #1: Accepting the First Quote
Solution: Always compare at least 3-4 quotes. Rate differences of 20-40% between insurers are common.
Mistake #2: Choosing Actual Cash Value
Solution: Replacement cost coverage costs 20-30% more but provides significantly better protection for total losses.
Mistake #3: Skipping Flood Insurance
Solution: Standard policies exclude flood damage. Separate flood insurance through NFIP costs $400-800 annually but prevents devastating financial losses.
Mistake #4: Under-Insuring Personal Property
Solution: Inventory your belongings. The standard 50% of dwelling coverage often falls short for well-furnished homes.
Mistake #5: Ignoring Policy Updates
Solution: Notify Foremost of home improvements, additions, or major purchases to maintain adequate coverage.
Foremost Customer Experience: What Real Users Say
Positive Customer Feedback:
- Claims Processing: 78% of customers rate claims handling as “good” or “excellent”
- Agent Support: Strong local agent network provides personalized service
- Policy Flexibility: Accommodates unique situations other insurers decline
Common Complaints:
- Rate Increases: Some customers report 15-25% annual increases without claims
- Limited Support Hours: No 24/7 phone support for non-claims questions
- Billing Issues: Occasional problems with payment processing and statement delivery
NAIC Complaint Index:
Foremost’s complaint index of 1.36 is above the national average, indicating moderate customer satisfaction levels compared to other insurers.
Is Foremost Mobile Home Insurance Right for You?
Choose Foremost If:
- Your home was built before 1976
- You need flexible underwriting for unique situations
- You qualify for multiple discounts (age 50+, bundling, claims-free)
- You prefer working with local agents
- You’re an AARP member seeking additional benefits
Consider Alternatives If:
- You prioritize 24/7 customer support
- Your home is newer and standard-risk
- You want the absolute lowest rates
- You prefer digital-first insurance experiences
Getting Your Foremost Mobile Home Insurance Quote
Information You’ll Need:
- Home details (year built, square footage, construction type)
- Property address and lot ownership status
- Current coverage information (if switching)
- Personal information (age, credit score range)
- Desired coverage limits and deductibles
Quote Timeline:
- Online: 2-3 business days via email
- Agent: Same-day quotes available
- Phone: 24-48 hours for complex situations
The Bottom Line: Foremost in 2025
Foremost mobile home insurance remains a solid choice for manufactured home owners, particularly those with older homes or unique circumstances that standard insurers might decline. Their industry expertise and flexible underwriting set them apart, though their rates tend to run 10-15% above market average.
The key to maximizing value lies in leveraging available discounts and comparing quotes from multiple insurers. With mobile home insurance rates varying by up to 40% between companies, shopping around is essential, not optional.
Quick Decision Framework:
- If you have a pre-1976 mobile home: Foremost is likely your best option
- If you’re 50+ with multiple policies: Strong candidate due to discount opportunities
- If you want rock-bottom rates: Get quotes from American Modern and regional insurers too
- If you need specialized coverage: Foremost’s flexibility makes them worth considering
Mobile home insurance rates change frequently, sometimes daily. The best time to compare options is now, while you can secure today’s rates and avoid tomorrow’s increases.
This article provides general information and should not be considered personalized insurance advice. Coverage terms, availability, and rates vary by state and individual circumstances. Always consult with licensed insurance professionals and read policy documents carefully before making coverage decisions.
In another related article, How Insurance Companies Calculate Your Premium
