We managed to get son number two into a mobile home. It’s not great, (if you look at it with objective eyes) but it’s better than where he was living and he can afford it. Then we found out that hardly anyone will insure older mobile homes.
Enter Foremost Insurance. We were able to get $10K coverage on the trailer, $10K on a comparatively nice garage on the property, $5K on the contents, and $100K liability on the property for $250 a year.
This has a $500 deductible.
We have not had to process any kind of claim yet, so I don’t know anything about how smoothly this would go (although I had to put a number in the claim process rating box), but I do have this coverage through a local agent, and I tend to think that this always is a positive factor if you do have troubles of some kind.
I don’t think that Foremost has their own offices. The office that carries it locally is a Farm Bureau Insurance office. The agent just also offers this service. Considering how many old trailers there are sprinkled around the countryside here, I was really surprised at how hard it was to find any service that would insure one.
They do have a web site www.foremost.com where you can find local agents. They claim to be “the nation's leading specialty insurer.” The web site says that they insure everything from snowmobiles and boats, to collectible autos, mobile homes and more.
Update On Jul 08, 2009: I had to update the cost. Somehow I forgot that there are two payments a year, so the cost is $500/ year, not $250 as it states in the review. It's still a great deal.