A better alternative

Foremost Classic® CL is a complete homeowners policy for people with credit and loss issues. It's a great alternative to those pared-down policies that some people buy when they can't find traditional insurance.

A Foremost Classic® CL policy provides comprehensive coverage for your property. Comprehensive means that it covers all direct physical losses not specifically excluded in the policy. That's better than a "named peril" policy which limits coverage to a specific list of hazards.

Replacement cost coverage, too!

With a Foremost Classic® CL policy, your home and other structures (such as a detached garage or a storage building) are insured for their replacement cost. If they are destroyed by an insured peril, we'll pay up to the limits of the insurance to replace them with the same quality of materials used in the home today. We won't depreciate your settlement due to age or wear. All you have to do is be sure the home is insured according to replacement cost guidelines found in our policy.

There's even more to Foremost Classic® CL. Your personal property, such as clothing, appliances and furniture, will be insured against a wide range of damage caused by fire, lightning, windstorm, hail, smoke, theft and other perils. If a covered loss occurs, we'll pay what the personal items are worth at the time of loss, taking depreciation for age and wear into account.

If desired, you can choose replacement cost coverage for personal property. Then we'll pay to replace those items with new ones, without deducting for depreciation.

Other standard coverages

In addition to the benefits mentioned above, Foremost Classic® CL provides these standard coverages:

Medical Payments to Others and Personal Liability Coverage
Pays for medical expenses if a guest is injured in your home or by your activities. If you are at fault, the policy covers general damages such as lost wages, pain and suffering, and court costs up to the policy limit.

Additional living expenses
Pays hotel and other expenses up to 20% of your home coverage amount if a covered loss leaves the home unlivable.

Debris removal
We'll pay to remove debris from insured property after a covered loss up to a specified amount as listed in your policy.

Removal of fallen trees
We'll pay to remove fallen trees from your property up to a specified dollar amount after a covered loss.

Emergency repairs after a loss
We'll pay for emergency repairs needed to protect your home, personal property and other structures (like sheds and carports), from further damage after a covered loss.

Personal property damaged or lost during emergency removal
If your home is being threatened by a covered loss we'll insure personal property against damage or loss while it is being moved and for up to 30 days after its been moved. This feature includes comprehensive coverage while the personal property is being moved.

Trees, shrubs, plants and lawns
We'll pay to replace trees, shrubs, plants and lawns lost as a result of a covered loss up to 5% of your home coverage amount. Specific named perils apply to this coverage.

Fire department service charges
We'll pay up to a specified dollar amount for fire department services when they are called to protect your insured property from a covered loss.

Credit card, bank card and check forgery
You are covered for loss if they are legally obligated to pay for unauthorized use of credit or ATM cards, as well as for check forgery or alteration and for counterfeit money taken by you in good faith. We'll also pay attorney fees to defend you for claims or lawsuits arising from the unauthorized use of credit or ATM cards or for check forgery.

Food spoilage caused by a power outage
We'll pay to replace food up to a specified amount in your freezer or refrigerator spoiled as a result of an outage, subject to a $50 deductible.

Optional coverages

Foremost Classic® CL offers you optional replacement cost coverage on personal property, and these additional options:

• Replacement cost for personal property
• Earthquake coverage
• Expanded coverage on jewelry, watches and furs
• Liability coverage for permitted incidental business
• Special amounts of coverage for business personal property

How to get a quote for specialty homeowners