Mobile Home

Texas mobile home coverage comparison

Compare the coverages in a Foremost policy with a typical Texas Homeowners Policy Form A and Form B by looking at the coverage comparisons below. Why do we tell you all this? Because we're convinced that once you examine each company and the policy it offers, you'll choose Foremost.

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

Coverage: Mobile Home
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Comprehensive
Texas Homeowners Policy Form A 1/96	Eight named perils
Texas Homeowners Policy Form B 1/96	Comprehensive
Comment	Form A and Form B exclude wind, hurricane and hail damage to cloth awnings, radio and television towers including satellite dishes

 

Coverage: Adjacent Structures
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Comprehensive
Texas Homeowners Policy Form A 1/96	Eight named perils
Texas Homeowners Policy Form B 1/96	Comprehensive

 

Coverage: Personal Effects
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Comprehensive
Texas Homeowners Policy Form A 1/96	Eight named perils
Texas Homeowners Policy Form B 1/96	Twelve named perils
Comment	Foremost provides comprehensive coverage to property purchased with the home and subsequent replacements, including furniture and appliances

 

Coverage: Special Limits of Liability
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Money - $250 Securities, stamps, deeds, manuscripts, passports, railroad and other tickets - $1,000 Theft of jewelry and furs - $1,000 Business personal property: $250 off premises $2,500 on premises Watercraft, including trailers, motors and furnishings - $1,000
Texas Homeowners Policy Form A 1/96	Money - $100 Securities, stamps, deeds, manuscripts, passports, railroad and other tickets - $500 Theft of jewelry and furs - $500 Business personal property: No coverage off premises $2,500 on premises Watercraft, including trailers, motors and furnishings - Not covered off premises
Texas Homeowners Policy Form B 1/96	Money - $100 Securities, stamps, deeds, manuscripts, passports, railroad and other tickets - $500 Theft of jewelry and furs - $500 Business personal property: No coverage off premises $2,500 on premises Watercraft, including trailers, motors and furnishings - Not covered off premises

 

Coverage: Replacement cost coverage for mobile home, adjacent structures and equipment
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Optional
Texas Homeowners Policy Form A 1/96	Not available
Texas Homeowners Policy Form B 1/96	Subject to an 80% co-insurance clause and not available for certain items
Comment	Form A and Form B pay ACV for carpeting, cloth awnings and fences

 

Coverage: Total Loss Settlement
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Limit of liability
Texas Homeowners Policy Form A 1/96	Limit of liability up to actual cash value
Texas Homeowners Policy Form B 1/96	Replacement cost up to limit of liability, but only if the home is replaced

 

Coverage: Replacement cost coverage for personal effects
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Optional
Texas Homeowners Policy Form A 1/96	Optional
Texas Homeowners Policy Form B 1/96	Optional
Comment	Form A and Form B only pay replacement cost for twelve named perils

 

Coverage: Personal effects off premises
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Limit of liability unless normally located at another home the policyholder owns, or rents, then 10% or $1,000, whichever is greater
Texas Homeowners Policy Form A 1/96	10% of limit of liability or $1,000, whichever is greater
Texas Homeowners Policy Form B 1/96	10% of limit of liability or $1,000, whichever is greater

 

Coverage: Additional living expense
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Actual, reasonable and necessary, up to 20% of the mobile home limit
Texas Homeowners Policy Form A 1/96	Up to 10% of dwelling limit of liability
Texas Homeowners Policy Form B 1/96	Up to 20% of dwelling limit of liability
Comment	Form and Form B also include fair rental value

 

Coverage: Trees, shrubs, plants and lawns
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Up to 5% of the mobile home limit of liability, but not more than $500 for any one tree, shrub, plant or lawn including the cost of removal
Texas Homeowners Policy Form A 1/96	Up to 5% of dwelling limit, but not more than $250 for any one tree, shrub or plant including the cost of removal
Texas Homeowners Policy Form B 1/96	Up to 5% of dwelling limit, but not more than $250 for any one tree, shrub or plant including the cost of removal

 

Coverage: Debris removal
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	An additional 5% of the limit of liability or $2,500, whichever is greater
Texas Homeowners Policy Form A 1/96	No additional
Texas Homeowners Policy Form B 1/96	No additional
Comment	All policies include debris removal in the limit of liability

 

Coverage: Food spoilage due to mechanical breakdown
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Up to $500
Texas Homeowners Policy Form A 1/96	No coverage
Texas Homeowners Policy Form B 1/96	No coverage

 

Coverage: Falling objects
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Included
Texas Homeowners Policy Form A 1/96	Not insured
Texas Homeowners Policy Form B 1/96	Included

 

Coverage: Earthquake coverage
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Included
Texas Homeowners Policy Form A 1/96	Not insured
Texas Homeowners Policy Form B 1/96	Not insured

 

Coverage: Other earth movement
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Included
Texas Homeowners Policy Form A 1/96	Not insured
Texas Homeowners Policy Form B 1/96	Personal effects not insured

 

Coverage: Damage caused by wild or stray animals
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Included
Texas Homeowners Policy Form A 1/96	Not insured
Texas Homeowners Policy Form B 1/96	Personal effects not insured

 

Coverage: Damage caused by bursting pipes
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Included
Texas Homeowners Policy Form A 1/96	Not insured
Texas Homeowners Policy Form B 1/96	Included

 

Coverage: Golf cart coverage
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Physical damage and liability coverage included
Texas Homeowners Policy Form A 1/96	Liability coverage only while on the premises or while golfing
Texas Homeowners Policy Form B 1/96	Liability coverage only while on the premises or while golfing
Comment	Foremost package provides both physical damage and liability coverage anywhere in the world

 

Coverage: Comprehensive personal liability coverage
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	Included (Foremost provides a separate CPL policy underwritten by Foremost Insurance Company)
Texas Homeowners Policy Form A 1/96	Included
Texas Homeowners Policy Form B 1/96	Included

 

Deductible
Foremost Mobilowners Policy Form 2674 8/94 Broad Form Comprehensive With CPE Form 2424 06/99	$100, $250, $500
Texas Homeowners Policy Form A 1/96	Usually 1% of building but can be higher for some perils
Texas Homeowners Policy Form B 1/96	Usually 1% of building but can be higher for some perils

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.