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Texas mobile home coverage highlights
Our Texas mobile home policy is slightly different from our mobile home policy in other states for legal and regulatory reasons. However, you can be sure that it still provides excellent coverage and outstanding value. Here are some highlights of our Texas mobile home policy, which is #1 in the state today:
| Property Coverages* |
Policy Includes |
Enhancements with CPE Endorsement 2424 or 2425 |
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Mobile Home |
Comprehensive coverage, including agreed value settlement for total losses. Replacement cost coverage available. |
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| Adjacent Structures and Equipment |
Comprehensive coverage. Replacement cost coverage available. |
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| Personal Effects |
Named peril coverage (excluding theft). |
Comprehensive coverage (including theft). |
| P.E. Outside Mobile Home |
Coverage for 10% of the limit, but not exceeding $500. |
No special limit unless usually kept at another owned or rented residence. |
| Special P.E. Limits: |
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| • Money. |
No coverage. |
$250 |
| • P.E. used for business while away from premises. |
No coverage. |
$250 |
| • P.E. used for business while on premises. |
No coverage. |
$2,500 |
| • Securities, stamps, deeds, manuscripts, passports, tickets. |
$100 (No theft coverage.) |
$1,000 |
| • Coin collections. |
$100 (No theft coverage.) |
$1,000 |
| • Jewelry, fur.** |
$250 (No theft coverage.) |
$1,000 (Limit only applies to theft.) |
| • Art, heirlooms. |
$250 (No theft coverage.) |
No special limit. |
| • Watercraft. |
No theft coverage. |
$1,000 |
| • Trailers, other than watercraft. |
No theft coverage. |
$1,000 |
| • Firearms.** |
No theft coverage. |
$1,000 (Limit applies only to theft.) |
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| Additional Coverages |
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| • Additional living expenses. |
Actual, reasonable and necessary cost up to 20% of mobile home limit. |
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| • Debris removal(other than trees). |
Property limit, plus 5% or $2,500, whichever is greater. |
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| • Debris removal (trees). |
Up to $500. |
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| • Emergency removal. |
Reasonable and necessary. |
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| • Fire department service. |
Actual, reasonable and necessary charges, up to $500. |
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| • Trees, shrubs, plants and lawns. |
Actual, reasonable and necessary up to 5% of the mobile home limit with a $500 limit for any one item. |
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| • Food spoilage due to mechanical breakdown. |
Actual, reasonable and necessary up to $500 (subject to $50 deductible). |
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| • Liability coverage. |
(See policy documents and the individual customer's Declarations Page.) |
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Note: Payments and amounts of insurance are subject to applicable deductible, policy exclusions, conditions and definitions. Check your official policy documents for details.
* Foremost Insurance underwrites personal liability under the Personal Insurance Coverage Policy. Foremost County Mutual Insurance Company underwrites the Comprehensive Physical Damage coverage on the mobile home, adjacent structures and personal effects. See policies for complete description, limits and availability of coverages. All coverages subject to terms and conditions of the policies.
** Blanket coverage is available for theft of firearms, coin collections, stamps and jewelry. See optional coverages.
Important reminder to all Foremost agents
- Always review policy and coverage options, coverage charges and method of loss payment with each customer.
- Never vary from the prices quoted in ForemostSTAR or the official rate chart, and never suggest that anyone will receive "free" coverage.
- You, or anyone who represents you, must be licensed to sell or solicit insurance, or receive commissions.
- For flood coverage, please contact the National Flood Insurance Program.
Note: This is not a policy document. Please check the actual policy documents for your state for detailed information on coverages, limits, deductibles and restrictions. Or call your Foremost Marketing Representative John Jonse.
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