Mobile Home

Benefits to your customer

A Foremost mobile home policy offers many extras that can give your customers real peace of mind - and you a real sales advantage. Here are few of the most important features and benefits you'll want to point out to your customers and prospects.

Feature	Benefit
Comprehensive Coverage on the Dwelling, Personal Property and Other Structures	Foremost covers all accidental causes of damage and loss unless they're specifically excluded in our policy. Is this better than the typical "named peril" policy? You bet. But it's also better than most comprehensive mobile home policies on the market today. They usually don't include comprehensive coverage on personal property. That's a big plus your customers will appreciate at claim time.¹
Agreed Loss Provision	If your customer suffers a total loss on the mobile home, we'll pay the full amount of insurance shown on the policy's Declarations Page, less any applicable deductible. And if your customer has purchased replacement cost coverage, Foremost will pay up to 120% of the amount of insurance if the home is replaced on the same premises. No hassles. No long delays. Just ready money when your customer needs it most. (Some differences apply in Arkansas, Connecticut, New Mexico, North Carolina, and Texas. See official policy documents for details.)
No Limits on Age or Value	Many insurance companies have strict limits on the age or value of the mobile homes they insure. Not Foremost. We insure mobile homes and manufactured homes of any age, any size, any value and any make - from brand new multi-sectionals to old single-wides, and everything in between.
Specialized Coverages	We give your customers a wide range of specialized coverages for added security. Examples include coverage for food spoilage, golf carts and emergency removal service. We also cover mobile home structural features such as tie-downs, mounting blocks, car ports and much more.
Higher Limits on Valuable Personal Property	Many mobile home owners keep guns, jewelry, collectibles and other valuable items. Foremost offers higher limits on a wide variety of personal property to give them the coverage they need.
Worldwide Coverage on Personal Property	Your customer's personal property is covered everywhere in the world with almost no restrictions. That means greater peace of mind for families on vacation and travelers in general.
Debris Removal	We'll pay to remove debris from your customer's property after a loss, an important benefit many other companies don't provide. And our limits are the highest in the industry.
Trees, Shrubs, Plants and Lawns	We'll pay to replace your customer's damaged lawn and garden plants, up to a generous limit listed in our policy. This valuable coverage can save your customers thousands of dollars in unexpected costs.
Replacement Cost Coverage Option	The valuable coverage option can replace your customer's damaged mobile home and personal property "new for old."²
Coverage for Emergency Repairs	When the customer makes emergency repairs to protect the insured property from further loss, Foremost will pay for all actual, reasonable and necessary costs.
Additional Living Expenses	If your customer's mobile home is damaged or destroyed by an insured peril, Foremost will pay additional living expenses.³ There's no daily limit with a Foremost policy, as long as the additional expenses are justified. And Foremost customers have a maximum limit of 20% of the dwelling amount of insurance!
Physical Damage Deductible Options	Your customer can choose among many deductible levels so they can get the balance between protection and affordability that's right for them.
Coverage for a Satellite Dish	Satellite dishes are protected under "Other Structures" coverage in a Foremost policy (they must be unattached to the home). Many other companies require mobile home owners to purchase special coverage on these popular home accessories.
Coverage for Personal Golf Carts	This is a standard coverage with Foremost policies that many customers will enjoy.
Personal Liability Coverage	The coverage protects your Foremost customers against financial loss from accidental injury to others or damage to their property. Your customers will appreciate the added security of this feature.
Medical Payments to Others	If your customer (or your customer's animal) accidentally injures someone, Foremost will pay up to the coverage limit for necessary medical expenses.
Damage to Property of Others	If your customer causes damage to another person's property while it is in the customer's possession, Foremost will cover the replacement cost up to the coverage limit.
50 years of Specialized Experience	Your customers can depend on Foremost for quality mobile home coverage, expert knowledge and time-tested service. We insure more than 1 million mobile homes throughout America.
Coast-to-Coast Claim Service	Foremost claim adjusters have special training in mobile home design, construction and repair. That means fast, expert service for your customers. And our toll-free claims line is always open.

Notes:

1. Coverage varies in some states. Foremost covers direct, sudden and accidental losses as detailed in the actual policy documents.
2. Replaced with new property of like kind and value up to the amount of insurance or some multiple thereof; some restrictions apply in NC.
3. Applies only to additional expenses above and beyond normal living expenses; amounts may vary in different states; check policy documents for details.

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Benefits to your agency

Feature	Benefit
Streamlined Processing with Minimal Paperwork	You'll save time by using Foremost for all of your mobile home business. Unlike many companies, we almost never require photos, inspections - or even a down payment. You don't even have to mail us an application. It's that easy!
ForemostSTAR and Foremost APPS® Service	With ForemostSTAR® and Foremost APPS®, you can quote and book a policy online or right over the phone in just minutes at 1-800-527-3905. This lowers your cost because you don't have to mail in the application or call back for more information later. We almost never require photos or inspections, saving you even more time. In most cases, the policy documents are mailed the next day. We move fast to serve you!
Insurance for a broad range of mobile home risks	Foremost has a product for just about any type of mobile home, so you don't have to turn customers or prospects away. We have policies for homes that are old or new, rental mobile homes, homes on hobby farms and homes of all values. Even tenant, commercial and modular homes!
Direct Bill Payment Plans	Foremost policyholders can choose from annual, two, four and ten payment plans; and no down payment is needed to book a policy. This lowers processing costs for your agency, and reduces your E&O billing problems.
Customer Retention Program	Foremost policyholders are sent a "valued customer package" that contains a policyholder I.D. card with our toll-free claims phone number and your agency's phone number. It also contains a letter to the customer which welcomes them to Foremost on behalf of your agency. Studies show it is far less expensive to keep an existing customer than to find a new customer.
Expert Product Assistance	No question is too tough for our team of mobile home insurance experts. We can handle your "special situations" and provide the technical answers you need right away. We can quickly get you answers to questions on billing and payments, coverages, endorsements, etc. Just call Foremost APPS® toll-free at 1-800-527-3905.
Fast, Fair Claim Settlements	You can depend on Foremost to treat your customers well at the time of a loss. We know your reputation is on the line, so we work hard to settle claims quickly and fairly in a courteous, professional way. Our research consistently shows that more than 90% of Foremost customers who file claims are satisfied or very satisfied with how their claim was handled, and we're constantly striving to make it 100%. Just call the Foremost Claims team toll-free at 1-800-527-3907.
Direct Agency Contact	Foremost gives you fast, direct access to our key personnel to speed the processing of business and claims.
Marketing Assistance	Foremost is ready to provide you with marketing assistance to help you build your book of business. Various sales training programs, merchandising programs, and a wide array of promotional materials are available. Just call Foremost Agency Development toll-free number at 1-800-237-6136.
Online product and marketing information	Our Web site gives you fast answers to questions you may have about our coverages, services and the growing mobile home market

Notes:

1. Coverage varies in some states. Foremost covers direct, sudden and accidental losses as detailed in the actual policy documents.
2. Replaced with new property of like kind and value up to the amount of insurance or some multiple thereof; some restrictions apply in NC.
3. Applies only to additional expenses above and beyond normal living expenses; amounts may vary in different states; check policy documents for details.

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.