Have been shopping all my insurance around since current provide raises rates every year it seems. Talking to Farmers and they own Foremost Insurance and quoted them for the MH. Current rate is $460 per year and Foremost has come in at $120 which seems awfully low compared to what I'm accustomed to paying. Coverages are the same with agreed value and all.
I've read some very good and some very bad reviews on Foremost but most were not RV related.
Anyone here have Foremost insurance on their MH and what can you tell me about premium cost compared to what I've been quoted and any experiences you may have had with their customer service.
Steve & Judy
1996 American Tradition
Spartan IC 2242 Chassis
C8.3L Cummins w/Banks Stinger, Allison MD3060
Doran 360RV TPMS, Progressive HW50C EMS.
Koni shocks, Safe-T-Plus
2002 Chevy Tahoe toad
ReadyBrute tow bar w/ReadyBrake
If the numbers work out and the time frame is right, insurance policies are approved by the state.
4 whopping cylinders on Toyota RV's. Talk about great getting good MPG. Also I have a very light foot on the pedal. I followed some MPG advice on Livingpress.com and I now get 22 MPG! Not bad for a home on wheels.
We have Foremost on our mh. We have had he Foremost policy since we got the mh and moved into it full time. We have had several claims with them and they have always been very good and easy to work with. I have no complaints about Foremost and would highly recommend them for others to use.
Stupid question, but are you getting a quote for a full year, or quarterly, or at the very least 6-months?
All of our policies are for 6-month plans....
Yes, I confirmed with the Farmers agent that was the annual rate. Following are the details sent to me by the agent.
Liability Limit = $500,000
Agreed Value = $44,000
Deductible = $500
Personal Contents = $20,000
Total Annual Premium = $120.00 (multi-policy and all other discounts applied).
But, I think I have figured out what's going on. In Michigan we have No Fault insurance which has unlimited medical coverage and there are mandatory fees for each driven vehicle assessed by the state for this and for 2012 it's approx. $100 for each vehicle every 6 months. So I suspect the agent may be trying to slide my MH thru as TT or something other than a vehicle that is driven or Foremost has made this assumption incorrectly.
* This post was
edited 07/15/12 04:26am by samert *
Have had Foremost for about 30 years on various MH. Cost is more in line with what others have reported, we do carry replacement cost as well. We've had 4 claims in the 30 years with this company, hail, vandalism and windshield and all have been handled promptly and professionally.
Doug & Sandy
Jill (12yr old Golden) Charmin (at the bridge)
Henry our camping cat
2009 Honda CRV
I have a different insurer and my rate for the MH insurance also seems a bit low. My insurer issues full year policies so that is not an issue. The facts are that the MH is listed as vehicle #3 on my policy, with my two automobiles being listed as the primary vehicles and the yearly premium for each of them is greater than the MH. I did question the disparity with my agent and she just said that is the way they classify vehicles. I list each of our automobiles as being driven less than 5000 miles per year, which is accurate, and I state that the MH will be driven around 15,000 miles per year. I would think that being driven three times more than the other vehicles would make it the primary vehicle on my policy, but it does not work that way, according to my insurance company. I suspect that you are insuring other vehicles and you are just running into the same weird pricing as I have. I don't fight it and just accept the fact that my MH insurance is pretty cheap.