Homeowners Insurance

There are so many homeowners coverage options, find out if we insure your type of home and get a customized homeowners insurance quote from Foremost® - A Farmers Insurance® Company.

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Online requests will be sent via email within 2-3 business days.

We are unable to provide an online quote for your state. Please visit the agency locator to find an agent in your area.

We understand that there are many types of homes and a variety of factors that go into choosing insurance for your house. Our home insurance policies are flexible, offering you options for various situations.

Homeowners Insurance Coverages and Settlement Options

Foremost Insurance offers a variety of homeowners insurance products, so you can choose the coverage and settlement options that you want for your homeowners insurance.

Comprehensive Coverage

This provides coverage for most direct, abrupt and accidental physical losses that aren’t specifically excluded from your homeowners policy, subject to policy exclusions and conditions.

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, subject to policy exclusions and conditions.

Replacement Cost

If you purchase replacement cost coverage for your policy and your home is damaged by an insured loss, the settlement reflects the cost to replace the damaged property with new property of like kind and quality, without deduction for depreciation, subject to policy exclusions and conditions.

Coverage A Plus SM

For a covered total loss, you won’t need to pay more than your chosen deductible, even if the current construction costs to rebuild (with materials of like kind and quality) are more than the dwelling limit. Subject to policy exclusions and conditions. (Not available in all states or programs.)

Named Peril

This provides coverage for "perils" (fire, explosion, lightning, windstorm and hail damage) that are specifically named in your homeowners policy, subject to policy exclusions and conditions.

Actual Cash Value

If your home is damaged or destroyed by an insured loss, this covers the cost to replace or repair your damaged property, less allowance for depreciation, deterioration and obsolescence, subject to policy exclusions and conditions. (Not available in all states or with all policy types.)

Extended Replacement Cost

You can receive up to an additional 50% of the insured amount to replace your home in the event of a total loss by a covered peril (not available in all states or programs), subject to policy exclusions and conditions.

Guaranteed Rebuild

Coverage pays the cost to repair or replace the home without deduction for depreciation (less the deductible), even if that cost exceeds the amount listed in the policy, subject to policy exclusions and conditions. (Not available in all states or programs.)

Coverage and settlement methods vary by product. Please check with an agent for details.

Extras We offer

  • Home share endorsement
  • Service line coverage
  • Replacement cost or comprehensive coverage on personal property
  • Equipment breakdown/home systems coverage
  • Scheduled personal property
  • Business property and liability
  • Higher liability limits
  • Blanket property limit
  • Ordinance or law coverage
  • Water backup coverage

Please verify availability in your state and program. If your home is located in Texas, please locate an agent to find out about additional coverages offered to Texas residents.

Homeowners Insurance Discounts

Here are a few ways you could save money with a Foremost policy.

Home Devices

Available for devices including fire protection, theft protection, and self-monitored thermostat.

Age of Home

Newer homes qualify for a higher discount.

Claim-Free

Customers who remain claim-free could be eligible for discounts.

Multi-Policy

Insure another product such as a boat, auto, or motorcycle.

Discount availability varies by state, underwriting company and policy type, please talk to your agent for details about all the available discounts.



FAQ Homeowners Insurance

Here are just a few of the ways you can save money by choosing Foremost:

Foremost specializes in insurance policies for all types of homes, from newer “standard” and “preferred” homes, to older homes that may not qualify for "standard" or "preferred" insurance for one reason or another. We sell policies for both homeowners and owner-occupied dwellings, policies that provide coverage for the following kinds of properties and risks, subject to underwriting guidelines:

  • Primary residences, seasonal and secondary homes.
  • Newer, high-value homes and those that are older or lower in value.
  • Homes that are in above-average condition and reflect excellent maintenance to average homes that may have minor cosmetic conditions.
  • A broad range of applicants, including those with outstanding credit and those who may have credit or loss issues.
  • Applicants with prior insurance and those who may have been declined, cancelled or non-renewed by another insurance company.
Foremost Insurance offers policies with a variety of settlement options and has policies with quality coverage. Other companies may decline you and not offer you any policy.
Foremost Insurance offers flexibility with you in mind. We give you options and have multiple policy forms, so you can choose the coverages, limits, and deductibles that make sense for you. A Foremost policy allows you to customize coverage to your individual needs.
We’ve got a policy for nearly every customer and their home. We offer coverage for homes that may not qualify elsewhere. If you don’t qualify for “standard” or “preferred” homeowners insurance with other insurance companies, you may not be able to insure your home at all with those other insurance companies; Foremost has options that expand coverage availability for most consumers.
In addition to “standard” and “preferred” homeowners insurance, Foremost also offers flexible underwriting to accommodate most other situations. You may be pleasantly surprised to learn what Foremost charges to insure the liability arising from swimming pools and from owning certain types of dogs.
Foremost insures mobile and manufactured homes under our mobile home program, subject to underwriting guidelines. We offer coverages that are specific to mobile homes.

Flexible Policy Options

Coverage options for almost everyone, so you can select the level of coverage you want for yourself and your home.

Bundle Up and Save

Customers who purchase both home and auto policies get the convenience of combined billing and can get features like a single deductible, as well as additional discounts.

Get a homeowners quote

Availability: The Foremost Insurance program for homeowners is offered in many, but not all, states at this time. Programs, loss settlement methods, and coverages can vary among states and by policy form. To qualify for coverage, applicants and homes must meet state-specific eligibility guidelines established by the applicable underwriting company. Please contact an agent to receive full details.

About the coverages and loss settlement methods described on this page: This piece does not alter the coverages in any policy you purchase. Please read the policy documents to check the coverages that you've selected. We use credit-based insurance scoring in some cases. Credit is only used by underwriting for rating where allowed by state law.

Policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, contact your local representative or the company.

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Not all products, coverages and discounts are available in all areas and may vary. Restrictions, exclusions, limits, and conditions apply. The information provided on or through this website does not alter the coverages in any policy you purchase. Please read the policy documents to check the coverages that you've selected.

Flood insurance policies offered by Foremost are underwritten by the National Flood Insurance Program (NFIP), a component of the Federal Emergency Management Agency (FEMA). Contact a Foremost representative for details.

For the programs listed below, advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by the following entities, which are a part of the Farmers Insurance Group of Companies®:

Foremost Choice® Property & Casualty: Foremost Insurance Company- Grand Rapids, Michigan, Foremost Property and Casualty Insurance Company, Foremost Signature Insurance Company, Foremost County Mutual Insurance Company and Foremost Lloyds of Texas comprise the Foremost Insurance Group. Home office, Caledonia, MI.

Foremost SignatureSM Auto & Home: Farmers Property and Casualty Insurance Company, Farmers Casualty Insurance Company, Farmers Group Property and Casualty Insurance Company, Farmers Direct Property and Casualty Insurance Company, Farmers Lloyds Insurance Company of Texas, Economy Preferred Insurance Company, Economy Fire & Casualty Insurance Company. Home office, Warwick, RI.

Bristol West® and Bristol West Insurance Services of California, Inc.: Bristol West Casualty Insurance Company, Bristol West Insurance Company, Bristol West Preferred Insurance Company, Coast National Insurance Company, Security National Insurance Company, Foremost Insurance Company Grand Rapids, Michigan, Foremost County Mutual Insurance Company. Home office, Sunrise, FL.

Each insurer has sole financial responsibility for its own insurance. List of all insurers and states where licensed can be found at foremost.com/companies.

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