Frequently Asked Questions

Have a question for Foremost that you're sure someone else has asked? Check here. This list was compiled with the help of Foremost agents. These are the questions they are most likely to hear from a customer.

Questions about the cost of your Foremost policy

Several factors go into Foremost's decision to increase premium. When Foremost reviews the insurance coverage in your particular state, we look at our overall loss history and experience, and trends in repair costs. Then we use actuarial models to make projections about the kinds of losses we can expect recent years there's been an increase in weather damage across the country. Not all of it makes news like hurricanes and earthquakes, but even small storms can do serious damage. New models for predicting the occurrence of these storms have caused us to rethink our prices in many areas of the country.

It's hard to give you a definitive answer without knowing some more information about where you live and the type of mobile home you own. Fill out an Online Quote form, and we'll be glad to give you a free, no-obligation quote for a policy through the AARP Mobile Home Insurance Program from Foremost. If you'd prefer to talk with an agent, please give Foremost a call at 800-752-2461.

Questions about your bill

Foremost wants to make it easy for you to check on your billing status. You can call our toll-free number and we will tell you if we've received your money. We'll also let you know the date of your next payment and answer many other billing questions. Call Foremost at 800-752-2461 Monday through Friday 8:30 a.m.- 10 p.m. or Saturday 9 a.m. - 5 p.m. (Eastern time). If you call during non-business hours, our automated billing system can take your call. To use this automated system, you just need your policy number and a touch-tone phone. The system will ask what type of information you want and will tell you when to enter any numbers needed.

No. That's one of the many conveniences Foremost offers its customers. We have several payment plans available to you. We can issue your policy with just a down payment. Foremost agents will review the payment plans and down payments with you so you can choose the plan that works best.

Foremost offers several payment options: annual or one-payment, two-payment, four-payment, 10-payment and 12-payment plans. If you choose a multiple payment plan, your second bill will list the dates and amounts of future payments. You can also call Foremost to check on your next bill at 800-752-2461, Monday through Friday 8:30 a.m.- 10 p.m. or Saturday 9 a.m. - 5 p.m. (Eastern time). If you call during non-business hours, our automated billing system can take your call. To use this automated system, you just need your policy number and a touch-tone phone. The system will ask what type information you want and will tell you when to enter any numbers needed. You can also make a one-time payment on the Foremost website or sign up for automatic EFT payments which will withdraw payments from the bank account you designate.

Foremost payment plan dates can't be altered. Instead, we offer several payment plans to help you budget your payments, but the dates that you receive your bills will depend on the date that your policy goes into effect.

Questions about our claim service

Foremost has field claim representatives all over the country. Our field claim representatives work out of their homes so they can be close to the customers they need to serve. They connect with the home office and our regional claim offices by phone and computer.

Call Foremost's toll-free number just as soon as you can. That's 800-752-2461 and choose the claims option. You can call 24 hours a day, even in the middle of the night, on a holiday or a weekend. You can also file your claim online. Foremost sets a goal of returning all claim calls the next business day. Some claims can be settled right over the telephone. If you have a claim that requires a visit from a claim representative, one of our staff will make an appointment with you.

Yes we do, and it's available for our customers 24 hours a day, 365 days a year. Just call Foremost at 800-752-2461. You can also file a claim online.

All Foremost claim representatives go through intensive training in mobile home construction and repair. Several members of our claim staff worked in a mobile home factory to learn more about how mobile homes were built before they developed our claims training program.

In most cases, a Foremost claim representative will contact you within 24 hours — usually the next business day.

When a major storm heads toward an area, Foremost has a catastrophe claim settlement team on call. As soon as disaster officials allow us to enter a storm-ravaged area, our adjusters are there helping customers get their lives back to normal.

Questions about coverage

The AARP Mobile Home Insurance Program from Foremost is a comprehensive policy. Comprehensive policies are broader policies because they cover just about any kind of accidental loss cause (such as fire, wind, hail, water) unless that cause of loss is specifically excluded in the policy. At Foremost we pride ourselves on the broad coverages our policy offers. Because some states have different requirements for insurance companies to meet, our policy coverages do vary from state to state. That's why we encourage you to call a Foremost sales agent at 800-752-2461 and find out what our policy offers you as a mobile home insurance customer. If you already have a policy through the AARP Mobile Home Insurance Program from Foremost you can speak with one of our service agents to go over the coverages your policy includes.

Our Foremost agent will ask you a series of questions that will help you determine what kind of coverage you want for your situation. We also have reference guides that provide information on how to establish a value for mobile homes similar to yours. Ultimately, the decision on the amount of insurance you carry is a decision only you can make. Foremost is here to make that decision as easy as possible.

Yes, you can remove earthquake coverage from your policy. When you receive your renewal offer from Foremost, there will be a form that accompanies your policy that gives us authority to remove your earthquake coverage. Fill it out, sign it and send it back to Foremost. We'll confirm that we received your instructions in a letter. If you do not have this form, please call Foremost at 800-752-2461.

Foremost offers several deductible choices so you can choose the deductible that suits your needs. Some people don't like large deductibles. Others are willing to share a little more of the risk and save some money by choosing a higher deductible. Because your options vary from state to state, we urge you to call one of Foremost's service agents at 800-752-2461 and find out the deductible options we can offer you.

Yes, but before making any changes to your coverage limits, you should determine the value of your mobile home and whether it is increasing or decreasing.

Questions about making a change in your policy

Look over your policy and see how much coverage you have for the other structures on your property. It may be enough for your needs. If it's not, then please call one of Foremost's service agents at 800-752-2461 for information about your coverage options.

Any changes that you need to make to your policy can be easily done by calling one of Foremost's service agents at 800-752-2461.

General customer service questions

Yes, Foremost was founded in 1952 to provide mobile home insurance. We're the nation's leading specialty insurer of mobile homes. Our experience and expertise give us a depth of knowledge about mobile home insurance that benefits you as a customer. It helps us continually improve everything we do — whether we're developing coverages or settling claims based on our broad knowledge of mobile homes and mobile home construction. It was that knowledge and experience that prepared us to develop the AARP Mobile Home Insurance Program in 1989. Foremost designed the AARP Mobile Home Insurance Program with AARP members and their families in mind. A product or service that carries the AARP brand has been carefully evaluated and selected as one that meets the high standards of AARP.

Usually when this happens it's because Foremost has an incorrect name or address for the lender. We can fix the situation by faxing a copy of your policy to your lienholder. The fastest way to get that done is to call Foremost directly at 800-752-2461 and ask the agent to fax a copy of your policy to the lienholder. We'll need your name, policy number, your lienholder's name, address and fax number. Foremost service agents can assist you: Monday-Friday 8:30 a.m.– 10 p.m. or Saturday 9 a.m. – 5 p.m. (Eastern time) Or, you can go to Update lender information and send us the information we need to get an updated policy to your lender.

Just give Foremost a call at 800-752-2461 and ask the agent to mail or fax a copy of the policy to your lienholder. We'll need your name, policy number, your lienholder's name, address and fax number. We're open: Monday-Friday 8:30 a.m.– 10 p.m. or Saturday 9 a.m. – 5 p.m. (Eastern time)

Yes. All Foremost service agents are licensed which means they are educated and trained to make recommendations and advise on coverages and endorsements.

Foremost prides itself on friendly service and prompt attention to your needs. We monitor calls to make sure our agents are consistently providing the friendly service we expect to our customers. Monitoring is a training tool. Agents have a chance to listen to the monitored calls and discuss ways to improve their customer service skills with their supervisors.

Each month, Foremost mails satisfaction surveys to a random sample of customers who have had claims. These studies consistently show that some 90% of our customers are satisfied with the claim service they receive. When Foremost does find a customer who is unhappy with any aspect of their claim experience, a claim executive follows up with that customer to discuss their concerns. Of course, we're always striving to get a 100 percent satisfaction rating. It's important to measure claim satisfaction because it's the best measure of how we deliver on the promise we make when a customer buys a policy. In addition, we do annual studies of our overall customer satisfaction. We also monitor our customer agents while they are on the phone. Calls are only monitored to use in coaching our agents in ways they can better handle customer concerns.

No, Foremost only provides annual policies.

AARP has selected The Hartford as the auto insurance provider for AARP members. You can call The Hartford at 1-800-932-9922 or visit their Web site at

Give Foremost a call at 800-752-2461. We'll need your name, policy number and the details of your address change.

What does this mean?

If you cancel your policy after the initial effective date there is a minimum charge. That's to cover processing fees and other expenses. This fee includes the time you were covered before cancellation. That's what Foremost calls "minimum earned premium."

A comprehensive policy covers losses from damage to your property as long as two conditions are met: the cause of the damage must be direct, sudden and accidental and the cause of the damage is not excluded from your policy. A comprehensive policy covers all perils (causes of loss) that are not specifically listed on the policy as excluded.

Replacement cost is the current cost of replacing a building or possessions today. With replacement cost coverage, assuming you buy an adequate amount of insurance, your insurance will provide you the resources to replace your mobile home, personal belongings and other structures with new items of like kind and quality. Replacement cost does not cover the value of the land where the building sits because the land is not damaged by fire or most other perils.

Agreed Value is the settlement method used in the event of a total loss. If your mobile home is destroyed by an insured loss, you get the full amount of insurance shown on your policy's Declarations Page for your home, minus any applicable deductible. Actual Cash Value is the settlement method that applies to partial losses and is the amount to repair or replace insured property with materials of like kind and quality, less allowance for physical deterioration and depreciation, including obsolescence.

Liability insurance covers losses that result when another person is accidentally injured or their property is damaged and you're legally responsible. Liability often includes coverage for defense costs in a liability lawsuit.