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Included, Optional Coverage, Discounts+
Mobile Home Guide
Included
Physical Damage to Property
- Covers physical damage to the unit even when it is in transit.
Adjacent Structures and Equipment
- Covers the structures or equipment connected to the unit.
Personal Effects
- Covers the personal effects in the unit.
Additional Coverage
- Additional Living Expense
- Emergency Service Protection
- Trees, Shrubs, Plants and Lawns
- Debris Removal
- Special Protection
Other Highlights
- Online Services Available.
Optional Coverage
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| 30 Day Trip Coverage |
- Covers the home while it is in transit.
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| Replacement Cost Personal Property |
- This endorsement changes the settlement method to the lowest of repair cost, replacement cost or the Amount of Insurance shown on Page One.
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| Replacement Cost Payment Method including roofs up to 15 years old |
- Changes settlement method for the manufactured home and adjacent structures & equipment to replacement cost. Replacement does not apply to roof covering if the insured cannot validate the roof covering is less than 15 years old. See replacement cost valuation on Page 6 for eligibility requirements.
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| Replacement Cost on Partials, including roofs up to 15 years old |
- This endorsement provides replacement cost on partial losses. It is designed for manufactured homes that do not meet the replacement cost eligibility requirements. Replacement cost does not apply if the insured cannot validate the roof covering is less than 15 years old.
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| $10,000 Firearms |
- Increases the firearms special limit to $10,000
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| $20,000 Firearms |
- Increases the firearms special limit to $20,000
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| $5,000 Jewelry |
- Increases the jewelry special limit to $5,000
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| $10,000 Jewelry |
- Increases the jewelry special limit to $10,000
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| Hobby Farm or Ranch |
- Provides liability coverage for incidental farm or ranching on premises. It also provides liability coverage arising out of the care, handling or riding of any animal other than a domestic household animal. Animals boarded off premises may be acceptable. Endorsement requires underwriting approval. Must be a primary home.
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| Loss Payable |
- Endorses interest of loss payee. Any covered loss payment will be payable to the insured and loss payee.
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| Additional Insured for Premises Liability |
- Extends coverage to the person or organization named on the endorsement. Must have an insurable interest.
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| Additional Named Insured |
- Extends Property or liability coverage to other resident owners of the insured premises. Must have an insurable interest.
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Discounts
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| Affinity Discount |
- Members of approved affinity groups receive a discount. The following groups are eligible: USAA Armed and Forces Insurance.
- $30 off the total premium.
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| 50 Years or Older |
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| Multiple Policies |
- If you have another policy with Foremost, Farmers, Bristol West, and 21st Century.
- 5% Discount.
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| Park |
- Applies if home is located in a Foremost approved park. An approved Park or Community is a planned and named community of manufactured homes which have permanently installed water, electricity and sewage utility services; which are collectively managed; and whose residents recognize common bylaws or rules. If the home is located in a park which does not meet all of these requirements, rate the home as Out of Park.
- 10% Discount
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