Agent Portal: Foremost: Tiny Home

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Included, Optional Coverage, Discounts

Tiny Home Guide


Diminishing Deductibles

  • For each consecutive year a travel trailer is insured by Foremost reduce any applicable deductible(s) by 25%.

Additional Coverage

  • Fire Department Service Charge ($500)
  • Debris Removal ($1,000)

Other Highlights

  • Online Services Available.

Optional Coverage

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Other Than Collision
  • Available limits: $250, $500, $750,$1,000,$2,000,$5,000
  • Available limits: $250, $500, $750,$1,000,$2,000,$5,000
Total loss settlement
  • Provides for a new travel trailer of like kind and quality from the same manufacturer in the event of a total loss during the first five model years.
  • After the first five years, settlement provides up to the amount stated in the policy toward the purchase of a replacement trailer.
  • Settlement is ACV if the insured does not replace the trailer.
  • Coverage is available only to the original purchaser of a new travel trailer and must be added to or purchased with a policy during the first year of ownership or at the first renewal.
  • Travel trailers with model years more than one year prior to the current calendar year are not eligible.
Personal Property
  • $1,000 minimum (Can be increased in increments of $100)
  • Other than collision deductible applies.
  • Coverage for personal belongings such as clothing, sporting goods, dishes and cameras which are damaged by a covered loss.
Trip Collision
  • $500 deductible (15 day Coverage)
  • For stationary units only.
  • Provides 15 day temporary Collision coverage for stationary travel trailer risks while they are being transported. Premium is $.10/$100 rating base of the travel trailer with minimum premium of $40. Premium is fully earned once the effective date of trip coverage begins.
Emergency Expense
  • Available limits: $500,$750,$1000
  • Coverage for temporary housing, travel expenses, and costs to return the travel trailer to the insured’s home or storage place when a covered loss occurs while more than 50 miles from home.
Additional living expenses
  • Available limits: $2,000 and $5,000
  • Coverage for increased living expenses, temporary housing expenses, travel expenses to return home and cost to return the trailer to the insured’s place of storage when it cannot be lived in because of a covered loss.
Full Timer Liability coverage
  • Available limits: $50,000/$100,000/$300,000/$500,000
  • Provides Personal Liability coverages similar to a homeowners policy. Protects full-timers when they park their travel trailer and use it as a residence. Also includes Medical Payments to Others and First Aid Expenses.
Adjacent Structures
  • $500 minimum. Can be increased by $100.
  • Coverage for structures at the travel trailer site which are not attached to the travel trailer and were not part of the purchase price.
Towing and Roadside assistance
  • Available limits: $100, $250, $500
  • Provides a toll-free telephone number that may be used 24 hours a day, 365 days a year. Covers towing costs incurred if the travel trailer and/or tow vehicle is disabled. Also pays for labor performed at the place of disablement.
Vacation Liability
  • Available limits: $10,000/$25,000/$50,000/$100,000/$300,000/$500,000
  • Provides coverage for claims made against the insured for bodily injury or property damage that results from an accident at the site where the trailer is parked and being used for recreational purposes.
3 Year Tent Camper Program
  • Must be between $3,500 and $12,000 in price.
  • Available coverage includes: Other than collision, collision, Personal Property, Vacation liability, and Emergency Expense.
Pet Protection Coverage
  • If Personal Property or Replacement Cost Personal Property coverage is purchased, up to $1,000 is provided for injuries to a dog or cat occurring as a result of a covered loss while riding in your travel trailer or occupying a campsite. Refer to the Personal Property endorsements for details.


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Multi-Policy Discount
  •  Having more than one policy with Foremost or its affiliates.
  • 10% discount

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