See the coverages under a vacant home policy from Foremost.
Coverage for "perils" (fire, explosion, lightning, windstorm and hail damage) which are specifically named in your policy, subject to policy exclusions and conditions.
Some companies don't offer this important coverage on an unoccupied home, but we do.
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. Liability coverage is optional with a Foremost vacant dwelling policy.
If you purchase a replacement cost policy and your vacant home is destroyed by an insured loss, the settlement reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation.
Coverage for most direct, abrupt and accidental physical losses that aren’t specifically excluded in this policy. In many states, we offer comprehensive coverage on both the dwelling and other structures, such as a garage.
If your vacant home is destroyed by an insured loss, you receive the full amount of agreed upon insurance for your home (minus any applicable deductible). No hassles.
If your vacant home is destroyed by an insured loss, this provides coverage for the cost to replace or repair your damaged property, with a deduction for depreciation, which reflects the age and condition of your home.
Our base policy for vacant homes covers the dwelling itself. Want more coverage? No problem! You can customize your policy by adding coverage for other structures, your personal belongings, liability coverage, and much more.
*Please verify availability in your state and program.
Here are just a few of the ways your can save money by choosing Foremost:
Applies when you insure more than one dwelling with us.
Applies when you insure another product with us such as a travel trailer, auto, or motorcycle.
Newer homes qualify for a higher discount.
Have questions about vacant insurance? We have answers!