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.
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.
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.
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.
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.)
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.
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.)
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.
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.
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.
Here are a few ways you could save money with a Foremost policy.
Available for devices including fire protection, theft protection, and self-monitored thermostat.
Newer homes qualify for a higher discount.
Customers who remain claim-free could be eligible for discounts.
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.
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: