Do you drive your motorhome down to the local coffee shop and back? Probably not. Then why would you insure your rig with a policy meant for an everyday automobile? Choose a motorhome insurance policy for your RV from Foremost.
Don't let your fun be interrupted with worry. Your auto or homeowners policy may not adequately cover your motorhome. Lucky for you, an agent can help you choose the right Foremost policy for your rig, so you can go out and enjoy the open road while someone else takes care of the paperwork!
We've got you covered:
This is included with our motorhome insurance policies and is not usually included in your typical auto policy. This provides protection from just about any direct, sudden, and accidental loss, including; collision, fire, smoke, floods, landslides, hail, windstorms, animals, vandalism, low branches or overhangs, theft and lightning. We also include Coverage for Attached Accessories, including awnings, satellite dishes, TV antennas and more.
Some coverages are optional and subject to company approval or may not be available in all states.
Total Loss Replacement Coverage
This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value of your trailer travel at the time it's destroyed. The Foremost coverage protects from the effects of depreciation. If your new-model travel trailer is destroyed within its first five model years, and you're the original owner, we'll pay to replace it with a brand new one of similar kind and quality. In years six through ten, we'll give you up to what you originally paid for it toward the purchase of another motorhome.
Emergency Expenses Coverage
Pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.
Replacement Cost Coverage
More than a typical auto or homeowners policy, this covers your personal belonging that are destroyed or stolen.
Towing and Roadside Assistance from TraveLine®
Eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside service, flat tire charges, fuel delivery, and locksmith service are just a toll-free phone call away. There are no out-of-pocket payments required, either. Just sign and drive. What's more, your motorhome and your tow vehicle are covered, regardless of who is driving or where you are in US or Canada.
Campsite/Vacation Liability Coverage
Provides liability coverage when you are parked and using your motorhome as a residence, typically seasonally or weeks at a time.
This is a coverage very similar to a homeowners policy. This option covers you when you are parked and using your motorhome as a residence, typically for extended periods of time.
Insuring your Tow Truck
This special option offers insurance for your medium duty tow truck that you use to tow your motorhome, provided the medium duty tow truck's GVWR exceed 10,000 pounds. This means that the maximum allowable total weight of a road vehicle when loaded must exceed 10,000 pounds.
Do we insure you?
A Foremost policy covers an extensive range of motorhomes; older, newer, and different makes and models. Visit an agent to help you choose the right Foremost policy for your rig.
Foremost offers flexible payment plans, including pay online, by mail or electronic funds transfer. Keep in mind that higher deductibles can help lower the cost of your premium.
Your seasonal home isn't standard and your insurance policy shouldn't be either. Foremost specializes in seasonal home insurance and understands your needs. It's a smart choice to go with Foremost where over 55 years of experience is on your side. That's why we are here to tell you that a Foremost seasonal home policy can cover you so you can continue to get away.
|Added to your Homeowners/Auto Policy||Specialized Motorhome Insurance Policy|
|What if there is a theft in my motorhome, such as jewelry, DVD player, or clothing?|
|Typically they are not going to cover these personal belongings. Homeowners policies typically place strict limits on off-premises coverage and require a sizable deductible to be paid first.||Foremost provides optional comprehensive coverage for personal belongings and in most cases don't require a deductible. This way you can take your valuables with you on the road and be covered.|
|What if I think my motorhome is essentially the same thing as a private passenger auto?|
|How many cars carry 100 pounds of LP gas and 300 gallons of water while they're traveling down the road? How many cars have built-in ovens? Enough said.||A Foremost policy provides specialized coverages to make sure you are covering exactly what you need to.|
|What if my motorhome breaks down and I am stranded?|
|A typical auto policy may not pay for housing or extra travel expenses, while you are waiting, or to get you home.||A Foremost policy offers outstanding emergency expense coverage. We will pay for temporary housing, travel expenses to get you home. We will even pay to transport your damaged motorhome to your home, a repair center, or a storage facility.|
|What if my awning and satellite dish blows off during a storm?|
|You would wave goodbye to it as it blows away. An auto policy may not cover this sort of loss.||This coverage is included in every Foremost motorhome policy. Your awning and satellite dish would be back in no time.|
Why an agent
"Insurance? I knew absolutely nothing about it, at all. I started looking around and found that there are a lot of companies out there and a lot of information to sort through. So much in fact that I became overwhelmed and didn't know which way was up. Unfortunately, I didn't have a trained advisor guiding me and helping me select the right coverages and ended up paying too much for limited coverage. After my first accident, I found an insurance agent that took me step-by-step through what I needed. What a refreshing experience!"
We want you to take advantage of the knowledge!
Take advantage of our thousands of highly trained and exceptional agents across the country ready to help you choose the best Foremost insurance policy for you. With all the confusing ways to buy insurance out there today, why not stick with a trained professional who knows the ropes. An agent will focus on saving you time, money and hassle on purchasing and maintaining your insurance. They will help you choose the best policy for your lifestyle. Period.
Take advantage of the knowledge at hand and locate an agent to help you choose the right insurance today, so you can relax tomorrow.
Why get an Agent?
There is so much more to know than what is on this site. An insurance agent is educated and knowledgeable on insurance products and policies. They can answer the questions you didn't even know you had.
Get a Lower Cost.
Contrary to popular belief, working with an agent can actually save you money. Agents are professionally trained to help you choose the right policy for you. This saves you from paying for the extras that you don't want.
Get Extra Time.
Don't spend time shuffling through papers, trying to figure out if you have the right insurance. Get an agent to take care of the paperwork, so you can take care of having fun with the products you are insuring.
Get Personal Care.
Your agent can provide personal care and follow-through that you wouldn't receive on-line. They will welcome you, educate you, book your policy, take your claim information and thoroughly follow-up.
Availability: Foremost Motorhome Insurance policies are available in all states except Hawaii, Massachusetts and Washington D.C.and is only available in the United States. Please note that policies, coverages and coverage amounts vary by state and all coverages may not be available in all areas.
About the coverages described on this site: Your insurance contract is contained only in your policy, not in this website. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Credit is only used by underwriting or rating where allowed by state law. We use credit-based insurance scoring in some cases. *Coverage may not be available in all areas.