Mobile Home Insurance Program by Foremost - Limited areas
Foremost Insurance Group is recommended by AARP for its Mobile Home Insurance Program. We own a manufactured home on a permanent foundation in La Grange, California. Foremost refuses to insure our home because of brush fire risk, even though our home as been in this location with no nearby brush fires since the early 1980s, almost 40 years.
Some insurers just won't write in California especially in those areas which they might consider "at risk" - it is the same in other areas of the country with perhaps different type "risk". That is their perogative.
Insurers have complaints of their own. Homeowners’ coverage, an $8 billion-a-year business in California, has become an unmitigated disaster for carriers: For every $1 they collected in premiums from Californians last year, they paid $1.70 in claims, according to data collected by the Department of Insurance.
At the same time, insurers are facing rate hikes from their own carriers, known as re-insurers. But they’re unable to pass those higher costs onto homeowners. That puts further pressure on them to reduce the amount of coverage they sell in fire zones, industry officials say.