Foremost Insurance Group

Complete Protection for Your Home

Foremost Insurance Company is focused on providing ‘A Better Insurance Experience’ to all customers. Foremost has been an insurance industry leader since 1952, and today offers a well-rounded suite of personal lines insurance designed for your household.

With flexible payment plans, numerous discounts, and every policy includes claim service with 24/7 access and award-winning, distinctive service.

Get a FREE Quote Now!

We do the work for you. In a few steps, you’ll have the best rate and will be able to get immediate coverage.

Foremost Insurance Group

Foremost Home Insurance Policy Protects:

Simply put, a homeowners policy should make you financially “whole” again if your home is damaged or destroyed by events like fire or storm, or is burglarized.

GET A MOBILE HOME, VACANT HOME, RENTERS, LANDLORD, SHORT-TERM RENTAL, SEASONAL HOME OR CONDOMINIUM INSURANCE QUOTE TODAY!

Getting a quote for your home or business should not be painful. Got two minutes? That’s all you need to see if we’re a right fit for you. (877)931-3368

Foremost Insurance Mobile Home Policy Protects:

Manufactured homes, mobile homes, modular homes, located in a park or on private property.
Protects dwelling, other structures and personal property against physical loss.
Golf carts, debris removal, credit card and check forgery, trees, shrubs, plants and lawns automatically included.
Owner-occupied, rental & seasonal manufactured and mobile homes accepted.
Multiple discounts including Affinity Credit, Age of Home & Qualified Park discount.
Fast, fair and reliable claims payment.

We’ll Be There When You Need Us

Complete Protection for Your Home

Fast, efficient claim handling around the clock, 365 days a year. After hours emergency response team will be onsite within hours of a serious loss. When hurricanes, tornados, wildfires, earthquakes and hailstorms strike, Foremost Insurance will be ready with our nationally recognized catastrophe response service. The service includes onsite response teams, mobile technology and a fleet of custom-built vehicles.

Serving customers in 50 states, providing a suite of essential personal and commercial insurance products.

Foremost Landlord Insurance

Flexible Coverage - Landlord Package, Landlord Platinum Package, or a customized policy adding coverage and endorsements.
Ease of Use - policy can be endorsed to switch between Vacant and Rental usage types in most states.
Tenant Screening - Foremost offers policy discounts to Landlords who screen their tenants; active contract with TransUnion SmartMove to give Landlords access to tenant screening services at a discounted price.
Broad Underwriting - All landlords are acceptable whether they own one home or multiple properties.
Settlement Method - Base policy includes an Agreed Loss Settlement provision for a covered total loss in most states, and an Actual Cash Value settlement on a partial loss. Customers can also select Replacement Cost, Extended Replacement Cost or Repair Cost, depending on policy type.
Favorable Status - Landlords with more than one dwelling insured with us, members of a Landlord Association or who use a Property Management Company, and those who want a higher level of coverage, like our discounted Platinum Package.

Unmatched Selection of Premium Discounts:

Use Tenant Screening such as SmartMove - credit history, criminal background, eviction, skip search.
Have more than one property insured with Foremost.
Member of a Landlord Association.
Use a Property Management Company.
Have a strong credit-based insurance score.
Claims Free.
Newer Home.

Foremost Condominium/Townhome Insurance

Foremost Condominium/
Townhome Insurance

Foremost Condominium/Townhome Insurance (a.k.a. Walls-In Coverage or Hazard Insurance)- Owner-Occupied or Vacation and Short-Term Rentals.

Flexible Coverage - base policy provides Comprehensive coverage and Replacement Cost settlement on the Unit Owner's Building Property, and Broad Form perils and ACV settlement for Personal Property. Replacement Cost settlement available on Personal Property if needed.
Optional Endorsements - A variety of options including Water Back-Up of Sewers or Drains, Identity Fraud Expense Management, Scheduled Personal Property, and many more.
There are more than 700,000 secondary-use condos in the United States, and almost 4.5 million primary-use condos. Most other insurance carriers do not accept vacant condos or short-term rentals.
Foremost defines Vacation and Short-Term Rentals as a property that is rented on a daily, weekly or monthly basis, and may occasionally be used by the owner.

Renters Insurance Policy Protects:

Foremost Insurance has the most competitively priced Renters Insurance. We offer great value with many money-saving discounts:

Personal Property - Protection of personal belongings from fire, vandalism, theft and other covered perils.
Loss of Use - If a covered loss makes your residence unfit to live in, Foremost will pay the actual, reasonable and necessary increase in living expenses during that time!
Personal Liability - Liability coverage is important if a claim or lawsuit is made against you. You may find yourself legally liable for damages due to bodily injury or property damage caused by an accident.
Additional Insured Clause - Listing the Landlord on your policy will automatically provide the Landlord with a copy of your policy and will be in compliance with most lease agreements.

Vacation & Short-Term Rental Policy Protects:

Foremost Insurance considers a vacation and short-term rental home one that you rent out with a lease agreement of less than 12 months, and that absolutely fits in the landlord program.

Named Peril Coverage - Foremost covers perils that are specifically named in your landlord policy, subject to policy exclusions and conditions.
Comprehensive Property Coverage - In most states, this option is offered on both the dwelling and other structures, providing for most direct, abrupt and accidental physical losses, subject to policy exclusions and conditions.
Replacement Cost - This settlement option reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation.
Agreed Loss Settlement - If your home is destroyed by an insured loss, you receive the full amount of the agreed upon limit of insurance for your home (minus any applicable deductible). No hassles.
Liability Coverage - This provides coverage if you're found legally responsible for an accident that causes injury to someone who doesn't live in your home or causes property damage to another's property.
Actual Cash Value - If your home is destroyed by an insured loss, this can cover the cost to replace or repair your damaged property, with a deduction for depreciation, which reflects the age and condition of your home at the time of the loss.

Vacant Home Insurance

While other insurance companies don't offer flexible coverage, Foremost does and is there to help you save your money. Vacant home insurance coverage may be renewed for up to three years of coverage.
Vandalism and Malicious Mischief - Many companies don't offer this important coverage on an unoccupied home, but Foremost does.
Full 12 Month Policy - Flexible payment options and a pro-rated cancellation, if you need to cancel before your year is complete.
Homeowners Insurance policies exclude or limit coverage if the home is vacant, so you'll need more specifically a vacant home insurance policy.
Why vacant? - homes become vacant for many reasons. Maybe your home is for sale but you haven't found a buyer yet. Or you've purchased a new home but won't move in for a while. It could be a rental property that's between tenants.

Seasonal Home Insurance

Foremost specializes in seasonal home insurance; be sure to insure your home with a policy to match your use and risk.
No primary residence requirement - unlike other companies, Foremost doesn't require that your primary residence be insured in order to insure your seasonal property.
Named Peril Coverage - Foremost covers perils (fire, explosion, lightning, windstorm and hail damage) which are specifically named in your policy, subject to policy exclusions and conditions.
Optional Replacement Cost - Purchase optional replacement cost coverage and get a settlement that reflects the cost to replace the damaged items with comparable material and quality, without any deduction for depreciation.
Extended Replacement Cost - you can receive up to 25% of the insured amount, to replace your home! (not available in all states)

Brochures

Please review your quote to make sure that all details are correct, verify that the coverage, deductible and payment options selected are exactly what you desire before completing your purchase.