Always check with a local insurance broker before purchasing insurance. Foremost is a great company for Mobile homes,Campers, and Rv's. we sell Foremost Insurance at (EDITED) but sometimes local or regional companies beat them on premium and coverage. In the DC metro area Maryland, Virginia,DC sometimes we compare foremost insurance rates with a regional carrier we provide that is called Erie Insurance and their rates in most cases were at least a few hundred dollars annually cheaper than foremost. Insurance rates will vary depending on where you live, claims history, and even credit score. Insurance companies use what's called an insurance score when determining insurance rates and premium an insurance score is what carriers lean on and rely on to determine risk.