Coverage Options
We cover vacant properties. Unlike other companies, we offer a policy that is renewable for up to two years, with pro-rated cancellation. That means you won't get stuck paying for a longer term than you need. Vacant homes that are eligible include:

• Homes vacant for less than 24 months
• Homes for sale
• Homes in the name of an estate
• Homes under renovation

Property Coverage
Property insurance covers physical loss to your home. You may also purchase coverage for your 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.

• Named peril coverage - Covers the perils (causes of damage such as fire, wind, hail, etc.) which are specifically named in your policy.
• Vandalism and Malicious Mischief Coverage

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.

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

• Actual Cash Value. Our base policy has an Actual Cash Value settlement. 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.

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.