My mother has Foremost, but they aren't taking new FL customers. So we are with Citizen's run by the state. That was our choice and we went through a broker. Haven't needed to make a claim, but the cost with Citizen's is much more than Foremost. We were told by the broker to make sure all payments to Foremost needed to be early or on time (never a problem), because they are looking to drop mobile home customers. I don't know if that's true or not. When we had our home in the PNW, we had USAA with an umbrella policy for cars, house, everything. Those were the days. USAA doesn't insure mobile homes in FL.