Mobile Home Insurance Coverages

See what’s covered under a mobile home policy from Foremost.

Comprehensive Coverage

We cover most direct, abrupt and accidental physical losses to your mobile home unless they’re specifically excluded in your policy.

Liability Coverage

This provides coverage if you're found legally responsible for an accident that causes injury or property damage to someone who doesn't live in your mobile home. It covers costs like their medical bills, lost wages, pain and suffering, and property damage.

Agreed Loss Settlement

If your manufactured or mobile home is destroyed by an insured loss, you receive the full amount of insurance for your home (minus any applicable deductible). No hassles.

Optional Replacement Cost

Foremost offers the option to purchase replacement cost coverage for your mobile home and get a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation. In most states, you can receive up to an additional 20% of the amount of insurance for your home if needed to replace your home!

Extras We offer

  • Additional living expenses
  • Trees, shrubs, plants and lawns
  • Debris removal
  • Emergency removal service and emergency repair after a loss
  • ID fraud and check forgery
  • Fire department service
  • Food spoilage coverage

Popular Optional Mobile Home Coverages

  • 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)

Mobile Home Insurance Discounts

Here are just a few of the ways you can save money by choosing Foremost:

Age of insured

If the named insured is 50 years old or older

Age of Home

Newer mobile homes qualify for a higher discount


Insure another product like a boat or ATV

Mobile Home Park

Homes located in an approved park qualify

FAQ About Mobile Home Insurance

Have questions about mobile home insurance? We have answers!

Yes. Foremost accepts homes of any age, model, make and value. Other companies may decline you and not offer you a policy based on the age of your home.
Foremost has flexible underwriting to accommodate most circumstances. We insure homes with trampolines and provide coverage in the event of a liability arising from a trampoline incident. 
With Foremost, you can customize your policy, so you get exactly what you want to fit your lifestyle. We have several optional coverages to choose from.
Yes. Our policy protects the dwelling, personal property and other structures against accidental physical loss. Plus, we automatically include coverage for things like golf carts; debris removal; credit card and check forgery; and trees, shrubs, plants and lawns.

Get a mobile home insurance quote from an industry leader