Foremost Insurance Group

As a specialty insurance company, we serve our markets by providing insurance choices that may not be offered by other companies. So, if you're wondering whether or not we can insure a particular product, check us out. Our extensive insurance options may surprise you!

How can we offer such a great selection of specialty Insurance coverages?
We've spent the last 65 years getting to know the markets we serve exceptionally well. We understand the coverages you are looking for with the specific types of policies you may want. We've taken what we learned and turned that expertise into a solid business.

We do this all with a level of care that we take pride in. From the people who create our policies to the representatives who process your claims, we strive to serve our customers to the best of our abilities. If you're looking for in-person service right in your community, then turn to one of the thousands of highly-trained and exceptional agents that represent Foremost across the country. Agents that write Foremost can help you choose the best policy for your situation and get the discounts you qualify for and should you have a claim, from frozen pipes to an automobile accident, rest assured, a team of professionals is on hand 24/7/365 to take your call.

Go ahead, expect more. The last thing you want to worry about is having the right insurance policy.

Personal Auto

Auto Insurance Coverages See what can be covered under our auto policies. Uninsured/Underinsured Motorists Coverage that helps you protect yourself financially if you’re in an accident with someone who’s at fault and either has no insurance or insufficient insurance. Rental Reimbursement If you rent a car after you have a covered loss on your automobile, we will put money back in your pocket for a set number of days depending on the policy you choose. Coverage optional on some policies. Towing and Roadside Service If your car needs towing or assistance on the road, we will help pay the cost for you. This can cover each disablement on a covered vehicle subject to a maximum limit per policy. Coverage optional on some policies. Bodily Injury and Property Damage This can help with your legal liability for a covered accident that involves injury to another person or damage to someone’s property, up to the limit of liability you select. Medical Payments This coverage helps pay for the necessary medical care you receive as a result of an auto accident (up to the specified amount on your policy.) Loan/Lease This optional coverage pays the difference between what you owe on your vehicle and what your insurance pays, if your vehicle is declared a total loss after an accident or is stolen and not recovered, minus your comprehensive or collision deductible. Coverage limit may vary by policy.

Condominium

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! Get Foremost 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. Loss Assessment 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 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.

Rented to Others

Why do you need renters insurance? Your landlord is likely responsible for damage caused by fires, floods and other major disasters, but who takes care of your belongings? Clothing, electronics and furniture are rarely covered by your landlord’s insurance. With a Renters policy from Foremost, we’ll be there for you… and your stuff! Get Foremost 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. Renters Insurance With Foremost Personal Property Coverage A Renters policy with Foremost insures your Personal Property against common causes of loss like fire or theft. 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. Some special items like animals, property used for business purposes, or memorabilia may have special limits or restrictions, so always make sure you read your policy for details. 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! Your policy will specify when ALE applies and what the limits are. Liability 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 that? We also offer Replacement Cost, which is the cost to repair or replace property without a deduction for depreciation.

Dwelling Fire

Included Named Peril (Fire, Lightning, Windstorm/Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicles, Smoke or Smudge) Total Loss – Agreed Loss Partial Loss – Actual Cash Value Included Comprehensive (We insure risk of direct, sudden and accidental physical loss to the property, unless the loss is excluded in the policy.) Total Loss – Agreed Loss Partial Loss – Actual Cash Value Optional Repair Cost, Replacement Cost or Extended Replacement Cost Included Comprehensive (We insure risk of direct, sudden and accidental physical loss to the property, unless the loss is excluded in the policy.) Actual Cash Value Included Comprehensive (We insure risk of direct, sudden and accidental physical loss to the property, unless the loss is excluded in the policy.) Replacement Cost

Home

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.)

Motorcycle / ATVs

Motorcycle Insurance Coverages See what’s covered under a motorcycle insurance policy from Foremost. Replacement Cost Total Loss Settlement Foremost policies with the Elite package provide replacement cost coverage for up to five years on bikes purchased new. This coverage does not apply to custom, classic or vintage motorcycles. Transport Trailer Coverage This provides coverage for a specifically designed trailer to transport your motorcycle (valued up to $10,000). Helmets & Safety Apparel Coverage This provides coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles. Optional Equipment Coverage Optional equipment coverage is included in the Plus and Elite packages. You can also increase your limits on optional equipment coverage up to $30,000, which is great for custom paint, chrome, sidecars and other additions to your ride that were not originally provided by the manufacturer.

Off Road Vehicle

RV Insurance Coverages See what’s covered under an RV or motor home policy from Foremost. Towing and Roadside Assistance This coverage eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside service, flat tire charges, fuel delivery, and locksmith service are just a toll-free phone call away. There may be no out-of-pocket payments required, either. Just sign and drive. What’s more, coverage for your RV and your tow vehicle is included (if towing the trailer at the time), regardless of who is driving or where you are in the US or Canada. Optional Total Loss Settlement This option can save you literally thousands of dollars when compared to typical auto policies, which usually pay only the actual cash value for damages to your RV. Optional Total Loss Settlement may provide for a new unit of like kind and quality from the same manufacturer in the event of a total loss. Vacation Liability Coverage This provides liability coverage on your site, as defined by the policy, when you are parked and using your RV as a dwelling or for recreational purposes. We also offer a Comprehensive Liability Coverage option that provides coverage similar to a homeowners liability policy. Personal Property Replacement Cost Coverage A typical auto or homeowners policy may not provide replacement cost coverage for your personal belongings that are damaged, destroyed or stolen, but an RV policy from Foremost can. Emergency Expenses Coverage Pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home. Other than Collision This is included with our travel trailer insurance policies (optional on motor home), but usually isn’t included in your typical auto policy. Other than Collision coverage applies to direct, abrupt, and accidental loss, including: fire, explosion, flood, falling objects, hail, windstorm, collisions with birds or animals, mischief or vandalism, theft and earthquake. Other than collision also provides coverage for permanently attached structures or equipment, including awnings, satellite dishes, TV antennas and more.

Motorhomes

Watercraft/Boats

Marine Insurance Coverages See what’s covered under a boat or PWC policy from Foremost. Watercraft Physical Damage This is coverage for direct, sudden, and accidental damage to your watercraft. Trailer Coverage This provides coverage for trailers designed to transport your watercraft. Personal Liability This provides coverage for bodily injury and property damage sustained by others for which you are legally responsible. We also have coverage options for uninsured watercraft and medical payments. Personal Property Personal property includes apparel, sports equipment, fishing equipment and other personal property owned by the insured or their guests while on board or being carried on or off the watercraft. Towing and Roadside Assistance If the watercraft is disabled while afloat or away from safe harbor, or if the trailer is disabled, we will pay for the cost of emergency labor performed at the site of disablement, towing to the nearest place where needed repairs can be made, or delivery of gas, oil or battery. We will pay up to $250 for the cost of gas and oil if the Elite package is purchased. Subject to policy limits.