Do you own a condo? You may think you are covered by the Condo Association, but there are some important things their policy won't cover — like your personal belongings! You should also know what the Condo Association's policy covers from a building perspective, because you may also be responsible for covering your home from the studs in. With an Owner-Occupied Condo policy from Foremost, we'll be there for you… and your stuff!
We've been focused on providing superior coverage for customers like you for more than 65 years and we put the choice in your hands! Foremost gives you the flexibility to tailor your policy and create the level of coverage you want — pick what matters most to you and leave the rest.
Owner-Occupied Condo Insurance With Foremost
Personal Property Coverage
An Owner-Occupied Condo policy with Foremost insures your personal property against common causes of loss like fire or theft (does not cover flood). Personal property generally includes items like clothing, electronics and furniture. Make sure you check your policy carefully to see what is covered and what you may need to add special coverage for.
Additional Living Expenses
If a covered loss makes your residence unfit to live in, Foremost will pay the actual, reasonable and necessary increase in living expenses during that time, up to policy limits! Your policy will specify when ALE applies and what the limits are.
This coverage applies to your share of any valid assessment that the Condo Association says you're responsible for. Our base policy includes a limit of $2,500, but that limit can be increased with an additional coverage purchase.
Liability coverage is important if a claim or lawsuit is made against you. You may find yourself legally liable for damages due to bodily injury or property damage caused by an accident. Liability coverage with Foremost will help take care of those damages!
Actual Cash Value
A base policy with Foremost includes coverage for the amount it would cost to repair or replace your property with new property of like kind and quantity, with a deduction for depreciation. Don't want to worry about depreciation? We also offer Replacement Cost, which is the cost to repair or replace property without deduction for depreciation.
Would We Insure You?
The short answer: Probably! While some risks may be ineligible, if you live in your condo full-time or use it as a seasonal home, there's a good chance that Foremost will insure you.
Why make the Foremost Choice®?
The Foremost Choice suite of products is built on a simple idea: Specialized Value. Foremost has been offering specialized policies since 1952, and they're crafted with customers in mind, offering stability and value.
Why an agent
Insurance? I knew absolutely nothing about it, at all. I started looking around and found that there are a lot of companies out there and a lot of information to sort through. So much in fact that I became overwhelmed and didn't know which way was up. Unfortunately, I didn't have a trained advisor guiding me and helping me select the right coverages and ended up paying too much for limited coverage. After my first accident, I found an insurance agent that took me step-by-step through what I needed. What a refreshing experience!"
We want you to take advantage of the knowledge!
Take advantage of our thousands of highly trained and exceptional agents across the country ready to help you choose the best Foremost insurance policy for you. With all the confusing ways to buy insurance out there today, why not stick with a trained professional who knows the ropes. An agent will focus on saving you time, money and hassle on purchasing and maintaining your insurance. They will help you choose the best policy for your lifestyle. Period.
Take advantage of the knowledge at hand and locate an agent to help you choose the right owner-occupied condominium insurance today, so you can relax tomorrow.
Why get an Agent?
There is so much more to know than what is on this site. An insurance agent is educated and knowledgeable on insurance products and policies. They can answer the questions you didn't even know you had.
Get a Lower Cost.
Contrary to popular belief, working with an agent can actually save you money. Agents are professionally trained to help you choose the right policy for you. This saves you from paying for the extras that you don't want.
Get Extra Time.
Don't spend time shuffling through papers, trying to figure out if you have the right insurance. Get an agent to take care of the paperwork, so you can take care of having fun with the products you are insuring.
Get Personal Care.
Your agent can provide personal care and follow-through that you wouldn't receive on-line. They will welcome you, educate you, book your policy, take your claim information and thoroughly follow-up.
Availability: Foremost Owner-Occupied Condominium insurance programs are offered in many, but not all states at this time. Programs and coverages can vary among states. To qualify for coverage, homes must meet state-specific eligibility guidelines. Please contact an agent to receive full details.
About the coverages described on this site: Your insurance contract is contained only in your policy, not in this website. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Credit is only used by underwriting or rating where allowed by state law. We use credit-based insurance scoring in some cases. *Coverage may not be available in all areas.