Mobile Home Insurance

Foremost® was the first company to create an insurance policy specifically for mobile homes almost 70 years ago, and we've been leading the industry ever since.

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Take care of your insurance needs with a licensed agent in your area.

Get an Online Quote

Online requests will be sent via email within 2-3 business days.

We are unable to provide an online quote for your state. Please visit the agency locator to find an agent in your area.

We accept new and old mobile homes, manufactured homes, park models, modular homes, rental mobile homes and vacant mobile homes. Learn about our available coverage options, deep discounts, and get a customized mobile home insurance quote.

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

Multi-policy

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.

Flexible Payment Plans

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.

Flood Insurance Coverage

If you purchase your National Flood Insurance Program policy through Foremost, you'll have a personal, professional agent helping you make sure that your home and your belongings have the coverage you want in the event of a flood.

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Not all products, coverages and discounts are available in all areas and may vary. Restrictions, exclusions, limits, and conditions apply. The information provided on or through this website does not alter the coverages in any policy you purchase. Please read the policy documents to check the coverages that you've selected.

Flood insurance policies offered by Foremost are underwritten by the National Flood Insurance Program (NFIP), a component of the Federal Emergency Management Agency (FEMA). Contact a Foremost representative for details.

Oregon Customers: Foremost does not offer discounts related to wildfire risk mitigation.

For the programs listed below, advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by the following entities, which are a part of the Farmers Insurance Group of Companies®:

Foremost Choice® Property & Casualty: Foremost Insurance Company- Grand Rapids, Michigan, Foremost Property and Casualty Insurance Company, Foremost Signature Insurance Company, Foremost County Mutual Insurance Company and Foremost Lloyds of Texas comprise the Foremost Insurance Group. Home office, Caledonia, MI.

Foremost SignatureSM Auto & Home: Farmers Property and Casualty Insurance Company, Farmers Casualty Insurance Company, Farmers Group Property and Casualty Insurance Company, Farmers Direct Property and Casualty Insurance Company, Farmers Lloyds Insurance Company of Texas, Economy Preferred Insurance Company, Economy Fire & Casualty Insurance Company. Home office, Warwick, RI.

Bristol West® and Bristol West Insurance Services of California, Inc.: Bristol West Casualty Insurance Company, Bristol West Insurance Company, Bristol West Preferred Insurance Company, Coast National Insurance Company, Security National Insurance Company, Foremost Insurance Company Grand Rapids, Michigan, Foremost County Mutual Insurance Company. Home office, Sunrise, FL.

Each insurer has sole financial responsibility for its own insurance. List of all insurers and states where licensed can be found at foremost.com/companies.

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