The Heritage of Protection: Foremost & Insurance Associates
We proudly represent a number of specialized mobile home insurance companies, led by Foremost Insurance Co.—the industry pioneer and the first company to ever insure a manufactured home.
We accept homes of almost any type, age, size, make, or model, including single-wide, double-wide, modular, and sectional homes in parks or on standalone property.
Understanding Your Policy: The “Coverage A-F” Breakdown
As the instructor who taught the industry, Terry McCarthy ensures you understand exactly what is listed on your Declarations Page. If a coverage isn’t listed there or as an endorsement, you likely don’t have it. A standard professional policy includes:
Section I – Property Coverage
- Coverage A (Mobile Home Dwelling): Your main home structure.
- Coverage B (Additional Structures): 10% of Coverage A for garages, sheds, or carports.
- Coverage C (Contents/Personal Property): Minimum 50% of Coverage A for your belongings.
- Coverage D (Additional Living Expense): Minimum 20% of Coverage A if a claim makes your home unlivable.
Section II – Liability and Medical Payments
- Coverage E (Personal Liability): Minimum $100,000 to protect your assets from lawsuits (but we suggest you purchase more).
- Coverage F (Premises Medical): Minimum $1,000 for guest injuries on your property.
The “Expert Gaps”: Why a Professional Standard Matters
Most agents “sell a policy”; we engineer a defense. We move beyond “Named Perils” to recommend “All Risks” coverage with these specialized enhancements:
- Replacement Cost Coverage (RCC): Ensures you get new materials, not a depreciated check that leaves you out-of-pocket.
- Service Line & Sewer Backup: Covers the underground utility pipes and drain backups that standard policies ignore.
- Ordinance or Law: Pays for mandatory SW Ohio building code upgrades required after a loss (such as tie-downs or electrical).
- The “Duty to Defend” (Umbrella Leverage): For less than $1 a day, an Umbrella policy ensures the carrier’s $550/hr lawyers are fighting for you, keeping your savings and home off the table during a legal crisis.
Expert-Led FAQ
It is a commitment to professional integrity. Terry McCarthy—who literally taught the agents of the Ohio insurance industry—treats your risk management with the same rigor a physician uses. We provide the “Financial Leverage” to weather a legal “push.”
Yes. Because we represent a number of specialized companies, we can insure homes that direct writers reject. Whether your home is in Gettysburg Estates or Green Acres in Loveland (or another local community like Princeton Crossing), we find the right fit.
• What year was your home built? (Older homes often need different riders than new ones). Year, Make, Model, • Are you in a park or on private land? What is the park name? • Do you live in an area prone to high winds, flooding, or freezing? • Your personal Information – Name, address, phone number, email address. Pretty simple.
These advanced designations (held by less than 5% of agents) mean Terry understands the intersection of insurance, taxes, and estate planning. He helps ensure your coverage protects your current assets and future earnings from being garnished or liquidated.
Why We Dominate the I-75 Corridor (West Chester, Mason, Liberty Twp)
Terry McCarthy is a Notary Public, a local property owner, and a Central Michigan University Graduate who has spent nearly 50 years serving your neighbors.
- Master Instructor: Consult the expert who taught the licensing requirements for the State of Ohio.
- Strategic Leverage: We ensure the insurance company’s “War Chest” stays on the line, not your home, not your assets or your future income.
- Local Reliability: Serving West Chester and Mason families with a teacher’s perspective.
Consult the Instructor Who Taught the Industry
Don’t settle for a “standard” policy when you can have a Professional Standard of Care. Get the financial leverage you need to protect your future.
Insurance Associates Agency Inc.
Serving West Chester, Mason, Liberty Township, and the I-75 corridor.
Call Terry McCarthy, CLU®, ChFC®: (513) 779-7920
Trust the Expert who Taught the Teachers.