Mobile & Manufactured home — the coverage built for it since 1952.
This is the Foremost you picture. The original specialty book that, in 1952, became the first company in America to insure mobile homes — and still writes homes of nearly any age, make, and model that standard carriers decline. Single-wide or double, on piers or a permanent foundation, owned land or a rented lot. Here's how the coverage works, the replacement-cost-versus-ACV choice that matters most, and the Arkansas realities. From an independent agency that places it every day.
The short answer
Manufactured and mobile home is the original Foremost Choice book — America's first mobile-home insurer, since 1952 — and it accepts homes of nearly any age, make, and model that standard carriers turn away. The policy covers your dwelling, belongings, liability, and living expenses, and the biggest decision is replacement cost versus actual cash value (Foremost's replacement-cost option can add up to 20% if that's what it takes to replace the home). Flood and earthquake are separate. Backed by an A (Excellent) carrier group — and quoted against 40+ others.
The home others decline is the one Foremost was built for.
On the auto page, the original Foremost sits out. Here, it's the whole show — the specialty book that invented this coverage and still leads it.
Foremost accepts homes many carriers won't — older units, single- and double-wides, unusual makes. Where others decline you on the age of the home, this is the market that says yes.
This is Foremost Choice — the 1952 original.
The company that became the first in America to insure mobile homes is the same specialty book that writes your manufactured or mobile home today. It's designed for the exact risks a standard homeowners program pushes away: single-wide, double-wide, or triple-wide, on posts and piers or a permanent foundation, in a community on a rented lot or on your own land.
One clarification, because "Foremost" means three things: the standard, site-built home programs — Foremost Signature and Foremost360 — are a different animal and live on our Foremost Home page. If your home rolled in on a frame and has a HUD tag, you're in the right place.
The core coverages, in plain terms.
The categories look familiar, but a manufactured-home form is built around the home — not a site-built house.
Dwelling
Protects the physical home against covered perils like fire, lightning, wind, hail, and vandalism — repaired or replaced up to your policy limit, on either a replacement-cost or actual-cash-value basis.
Personal Property
Furniture, electronics, clothing, and appliances against covered perils. You choose replacement cost (no depreciation) or actual cash value — the same choice you make on the dwelling.
Personal Liability
If a guest is injured on your property or you damage someone else's property, liability coverage helps with legal and medical costs — including, with Foremost's flexible underwriting, situations like a trampoline on the lot.
Medical Payments
Pays reasonable medical expenses for a guest hurt on your property, regardless of fault — a small, goodwill coverage that heads off a lot of bigger disputes.
Additional Living Expenses
If a covered loss makes your home uninhabitable, this reimburses temporary housing — a hotel or rental — while repairs or replacement are underway, up to the policy limits.
Other Structures
Sheds, carports, decks, skirting, and similar structures on the lot — covered under their own limit so a detached loss doesn't eat into your dwelling coverage.
Replacement cost or actual cash value?
This one choice decides what a total loss actually pays you. It's worth getting right on purpose — not discovering after a fire or a storm.
Replacement cost settles a covered loss with new property of like kind and quality, no depreciation deducted — and Foremost's option can pay up to an additional 20% of your home's insured amount if that's what replacement takes.
Three ways a loss can settle.
Replacement Cost (RCV) — the strongest protection where the home qualifies. No depreciation subtracted, and the option to go up to 20% over your limit if replacing costs more than expected.
Actual Cash Value (ACV) — a lower premium, but the payout subtracts depreciation, so on a total loss it usually won't buy a brand-new home. A deliberate trade-off, and sometimes the only option on a very old, pre-HUD unit.
Agreed Loss Settlement — a value agreed up front, available in some situations. We'll tell you which of the three your home qualifies for and which one actually fits your budget and your risk.
Homes built before June 15, 1976.
That date is when the HUD construction code took effect. Units built before it — true pre-HUD "mobile homes" — face narrower availability and may only qualify for actual cash value. They can still be insured; the settlement option is just more limited. Tell us the year and we'll tell you exactly what's on the table.
The things a site-built policy never has to think about.
A manufactured home carries risks a standard homeowners form doesn't contemplate — which is exactly why it needs a specialty policy.
Transit / Trip Collision
Unlike a house, a manufactured home sometimes travels. Coverage for damage while the home is being moved to a new site is something the form is built to address — worth confirming before any relocation.
Tie-Downs & Wind
A manufactured home that isn't properly tied down is more exposed to wind, and Arkansas sees its share of storms. How the home is anchored affects both eligibility and how a wind or hail deductible is set — a real conversation at the quote.
Any Age, Real Flexibility
Older homes, unusual makes, a trampoline on the lot — Foremost's flexible underwriting is built to accommodate what standard carriers use as reasons to decline. The differentiator that defines this book.
Flood & Earthquake Are Separate
Like nearly every home policy, this one excludes flood and earthquake. Both are real considerations in parts of Arkansas and are covered by separate policies — we can talk through whether either belongs on your account.
The ones worth mentioning.
Foremost rewards bundling, protective devices, and paying ahead — and pairing the home with auto or a toy is usually the biggest lever.
Multi-Policy / Bundle
Pairing your mobile home with a Foremost auto, motorcycle, or recreational policy earns a package credit — and across the three Foremost families you can mix and match and still bundle.
Smoke & Security
Smoke detectors, a monitored alarm, and similar safety devices can earn credits — inexpensive upgrades that lower risk and premium at the same time.
Paid in Full
Paying the term up front instead of in installments reduces the total cost — a straightforward saving where the budget allows.
Age & AARP-Endorsed
Foremost's mobile-home program is AARP-endorsed, and mature or retired owners may see additional consideration. Worth asking about if it applies to your household.
Backed by an A (Excellent) group.
On August 1, 2025, AM Best affirmed the Financial Strength Rating of A (Excellent), stable outlook, for the members of the Farmers Insurance Group of Companies — the group behind the Foremost companies that write this coverage in Arkansas. A financial strength rating is an opinion about an insurer's ability to pay claims; it doesn't grade how a specific claim is handled, and it isn't a recommendation to buy or keep a policy. Different question, different source — the current rating is at ambest.com.
Where we earn it on a mobile home policy.
The mistakes on this line are specific: a home insured on ACV when the owner assumed a total loss would buy a new one, a dwelling limit set below what replacement really costs, and no clarity on the wind/hail deductible before a storm. We fix those at the quote. We don't adjust your claim and can't overrule an adjuster — but we'll tell you whether a claim is worth filing against your deductible, make sure the right coverage responds, chase the file when it stalls, and move you to another of our 40-plus markets if Foremost stops fitting.
Your home sets the number.
Mobile home premium turns on the home's age, size, and make; its foundation and tie-downs; whether you choose replacement cost or actual cash value; your deductibles — including wind/hail; the setup and location; and, under Arkansas law, a credit-based insurance score. Too many variables for a webpage figure to mean anything, so we won't post one. This isn't a quote or a guarantee. What reliably helps: choosing your loss-settlement basis on purpose, bundling with a vehicle or toy, and setting the dwelling limit to real replacement cost. Send your current declarations page and we'll build the number with you.
The policies around this one.
Foremost mobile home questions.
Which Foremost writes manufactured and mobile home insurance?
This is the original Foremost — the Foremost Choice specialty book that was the first company in America to insure mobile homes, back in 1952. It's the flip side of the auto page: on auto, the original Foremost doesn't write your car, but on manufactured and mobile home it's the whole show.
Foremost accepts homes of nearly any age, make, model, and value — the exact homes standard homeowners carriers decline. Standard, site-built houses are a different program (Foremost Signature or Foremost360) and belong on our Foremost Home page.
My mobile home is older. Can I still get coverage?
Almost always, yes — that's the entire reason this book exists. Foremost accepts homes of any age, make, model, and value, and specializes in the single-wides, double-wides, and older units other carriers decline on age alone.
Homes built before June 15, 1976 (pre-HUD-code, the true "mobile home" definition) may only qualify for actual cash value rather than replacement cost, but they can still be insured. Bring us the year, make, and setup and we'll tell you exactly what's available.
Should I choose replacement cost or actual cash value?
It's the single most important decision on the policy. Replacement cost settles a covered loss with new property of like kind and quality, no depreciation deducted — and Foremost's replacement-cost option can pay up to an additional 20% of your home's insured amount if that's what replacement takes.
Actual cash value costs less but subtracts depreciation, so it usually won't buy a brand-new home after a total loss. Replacement cost is the stronger protection where the home qualifies; ACV is a deliberate trade-off for a lower premium. We walk through which fits before you buy, not after a loss.
What does a Foremost mobile home policy cover?
The core coverages are the structure (dwelling), your belongings (personal property, on a replacement-cost or actual-cash-value basis), personal liability, medical payments to others, additional living expenses if the home becomes uninhabitable after a covered loss, and other structures like sheds, decks, and carports.
Manufactured-home policies also account for things a standard homeowners form doesn't — such as transit or trip collision when the home is moved, and tie-down and anchoring against wind. Flood and earthquake are excluded and need separate coverage.
Does it matter if my home is on a rented lot or on land I own?
You can be covered either way — in a community on a rented lot, or on your own land, on posts and piers or a permanent foundation. The setup affects how the policy is written and which coverages matter (park or lienholder requirements, coverage for attached structures), but it doesn't take you out of the market.
If your park or lender requires specific limits or an insurance certificate, we handle that as part of the quote.
How do I get a Foremost mobile home quote in Arkansas?
Foremost is agent-only, so an appointed agency like ours is how the coverage is bought. Start at our personal lines quote form or call (479) 286-1066.
Have the year, make, model, size (single- or double-wide), and setup handy, and if you carry a current mobile-home declarations page, send it — reading what you already have is faster than answering questions about it, and it's how we check your loss-settlement basis and limits actually fit the home.
If our coverage explainers are useful, mark Cribb Insurance as a preferred source so more Northwest Arkansas homeowners can find our local, plain-English guides.
Foremost is one of 40+ carriers we represent.
Which means we can tell you honestly whether Foremost is the right home for your manufactured or mobile home — or whether one of our other specialty markets fits better. Send your current declarations page and we'll read it back in plain English: your loss-settlement basis, your dwelling limit against real replacement cost, and your wind/hail deductible. If what you have is already right, we'll say so.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Foremost, and this page is not endorsed, sponsored, reviewed, or approved by Foremost. "Foremost," "Foremost Choice," "Foremost Signature," "Foremost360," and "Farmers" are service marks or trademarks of the Foremost Insurance Group, the Farmers Insurance Group of Companies, and their affiliates, used here nominatively to identify products we are appointed to place. Foremost's Arkansas manufactured and mobile home policies are issued by Foremost-affiliated underwriting companies and are part of the Foremost Choice specialty program; standard site-built homeowners coverage is offered through separate Foremost Signature and Foremost360 programs.
This page describes coverage in general terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Coverage, forms, features, loss-settlement options, limits, deductibles, discounts, and eligibility vary by home, by form, by policy, by state, and over time, are set by the carrier, and are subject to underwriting approval and to the terms, conditions, limits, and exclusions of the policy actually issued. Acceptance of a home of a given age, make, model, or condition, the availability of replacement cost versus actual cash value, the up-to-20% replacement-cost feature, transit/trip-collision coverage, and other features are subject to the carrier's rules and are not guaranteed for any particular home. Flood and earthquake are excluded and require separate coverage. If anything on this page conflicts with the issued policy, the policy controls.
Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, are not recommendations to purchase, hold or terminate any policy, and do not address an insurer's claims-handling practices; current ratings are at ambest.com. The A (Excellent) rating referenced was affirmed by AM Best on August 1, 2025 for the members of the Farmers Insurance Group of Companies, which include the Foremost underwriting companies. No cost figures are represented or guaranteed on this page; any premium is determined by the carrier at quote based on your specific home and risk.
Last reviewed July 2026.