Mobile Home

Compare Foremost mobile home to ISO!

When you sell a Foremost mobile home insurance policy, both you and your customers get more. More coverage, more service, more value.

Please take a few moments to review the coverage comparison below. This easy reference will help you show your customers how they get more with Foremost.

(If you sell insurance in Texas, take a moment to read our Texas Coverage Comparison Table.)

(This information is only a comparison of some of the major coverage differences. Read the policy for complete coverage descriptions.)

Feature: Total loss payment method
Foremost Form 3825 03/97 Form 3828 03/97	Amount of insurance — no hassle, no depreciation (Claims may be subject to deductible.)
ISO Homeowners 3 Special Form 04/91	Replacement cost subject to 80% co-insurance clause — up to amount of insurance

 

Feature: Replacement cost settlement for the home Example: Your $40,000 home is destroyed by a tornado. It will cost $48,000 to replace your home with a new home of like kind and quality on the same site.
Foremost Form 3825 03/97 Form 3828 03/97	Up to 120% of the Amount of Insurance if needed to replace the home, with Replacement Cost option No problem - In the example, your Foremost policy provides up to $48,000 to replace your home on the same site.
ISO Homeowners 3 Special Form 04/91	Replacement cost subject to 80% coinsurance clause - up to amount of insurance Oh no - Using the example above, your policy only provides up to $40,000 to replace your home.

 

Feature: Replacement of awnings, carpeting, built-in appliances, outdoor antenna, outdoor equipment and structures that are not buildings
Foremost Form 3825 03/97 Form 3828 03/97	Included with replacement or repair cost option
ISO Homeowners 3 Special Form 04/91	Actual cash value only

 

Feature: Debris removal over the amount of insurance Example: Your $20,000 home is destroyed by fire. The cost to remove the debris and pay the landfill is $2,500.
Foremost Form 3825 03/97 Form 3828 03/97	5% of the coverage limit that applies or $2,500, whichever is greater No problem - In the example, your Foremost policy pays the entire cost.
ISO Homeowners 3 Special Form 04/91	5% of the coverage limit that applies In the example above, your policy only provides $1,000 for debris removal, leaving a $1,500 shortfall.

 

Feature: Earth movement Example: Your home suddenly sinks to the bottom of an abandoned mine shaft or sinkhole.
Foremost Form 3825 03/97 Form 3828 03/97	Your policy provides coverage for earth movement other than earthquake and volcano. You're covered! In the example, because the damage wasn't caused by an earthquake or volcano, your Foremost policy provides coverage.
ISO Homeowners 3 Special Form 04/91	Not covered Bad news. In the example above, your policy doesn't cover earth movement of any kind.

 

Feature: Personal property Example: While boating you drop your new camcorder in the lake.
Foremost Form 3825 03/97 Form 3828 03/97	Comprehensive Relax - In the example above, your Foremost policy provides comprehensive coverage. It pays for almost all direct, sudden and accidental losses to your personal property.
ISO Homeowners 3 Special Form 04/91	16 named perils No coverage. Your policy only covers 16 named perils.

 

Feature: Golf cart Example: While parked on a hill, your golf cart brake malfunctions. The golf cart rolls down the hill, is damaged by a collision with a tree and injures a bystander in the process.
Foremost Form 3825 03/97 Form 3828 03/97	Covers both physical damage and liability - for any use In the example, your Foremost policy will provide coverage for the damage to your golf cart, and liability coverage for the injury your cart caused.
ISO Homeowners 3 Special Form 04/91	Only covers liability, and only while golfing Going by the example above, your policy doesn't cover physical damage to your golf cart. And since the injury didn't occur while golfing, you don't have any liability coverage, either.

 

Feature: Food spoilage resulting from mechanical breakdown
Foremost Form 3825 03/97 Form 3828 03/97	Covered
ISO Homeowners 3 Special Form 04/91	Not covered

 

Feature: Personal property used for business Example: You have a $5,000 personal computer that you mostly use for surfing the 'Net or writing personal e-mail. Occasionally, you use it to write business letters and track expenses. It's damaged by fire.
Foremost Form 3825 03/97 Form 3828 03/97	Covered. Special limits apply only when personal property is primarily used or intended for business No problem. In the example, you're covered, since your computer is not primarily used for business.
ISO Homeowners 3 Special Form 04/91	Covered - but subject to a $2,500 ($250 off premises) special limit Going by the example above, you're only covered for $2,500 (or $250 if the damage occurred off premises).

Note: Not all products are available in all states. Information presented on this Web site is not a policy document or official program guide. The actual insurance contract is contained only in the policy. Insurance protection may vary from the coverages shown, depending on the standard coverages included in the policy and the optional coverages purchased. Please check the actual policy documents and/or state-specific program guides for details on coverages, eligibility, exclusions, limits, deductibles and restrictions, which are subject to change. Or call your Foremost marketing representative. Thank you.