Coverage Options
We sell both homeowners and owner-occupied dwelling fire policies and cover the following kinds of properties and risks:

• Primary residences, seasonal and secondary homes
• Homes older or lower in value
• Homes with minor cosmetic conditions
• Applicants with credit or loss issues
• Applicants who have been declined, cancelled or non-renewed by another insurance company
• And more!

Property Coverage
Property insurance covers physical loss to your home, other detached structures or personal property. While no insurance policy covers everything, your policy should cover a wide range of possible damages or causes of loss. Foremost has a homeowners and owner-occupied program that covers losses differently.

• Comprehensive Coverage - Covers direct, sudden and accidental physical losses that aren't specifically excluded in your policy.
• Named peril coverage - Covers the perils (causes of damage such as fire, wind, hail, etc.) which are specifically named in your policy.

Liability Coverage
Liability insurance covers you if you're found legally responsible for a covered injury or property damage to someone who doesn't live in your home. It compensates injured persons for their medical bills, lost wages, pain and suffering and property damage, and if the coverage applies, legal counsel is furnished if you're sued.

Optional Coverages
Foremost offers important optional coverages that let you customize your policy. Some coverages may be subject to company approval. These are a few of the most popular coverage options:

• Replacement Cost coverage on personal property
• Additional coverage for jewelry, watches and furs
• Business property and liability
• High liability limits

Settlement Methods
Your settlement method depends on which Foremost policy you choose and whether or not you purchase any optional endorsements.

• Actual Cash Value. An ACV settlement is the cost to replace or repair you damaged property, with a deduction to reflect the age and condition of the damaged property.
• Agreed Loss Settlement. An Agreed Loss Settlement means that in the case of a covered total loss to the home, your settlement will be the Amount of Insurance listed on your Declarations Page, with no deductible on the coverage for your home, unless stated elsewhere in the policy.
• Replacement Cost. Our policy with Replacement Cost settlement reflects the cost to repair or replace damaged items with new items at today's prices.
• Extended Replacement Cost. For a covered total loss, if the cost to replace the home is more than the Amount of Insurance, up to an additional 25% of the Amount of Insurance eon the home is available.

Flood Coverage
If you'd like an estimate for a flood policy through the National Flood Insurance Program, Foremost's Flood Unit can help. Submit an online estimate request now.