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INSURANCE CARRIER

Foremost Insurance

Specialty personal lines coverage, including manufactured homes, seasonal properties, and non-standard risks.

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RATINGS & OVERVIEW

How This Carrier Rates

AM Best

A Excellent (Farmers Insurance Group)

JD Power Personal

Included in 2025 study for the first time, ranking among smaller specialty carriers.

JD Power Commercial

NAIC Complaint Index

Tracks slightly above industry average for the specialty segment.

Foremost is a Farmers subsidiary rated A Excellent by AM Best. They specialize in non-standard and specialty personal lines including manufactured homes, mobile homes, older homes, seasonal properties, and landlord policies. Foremost is our primary market for risks that standard carriers decline, including unusual construction types and high claim frequencies.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

Specialty appetite for manufactured homes, seasonal properties, and non-standard risks that admitted standard carriers decline

Strength 2

Strong recreational vehicle and watercraft appetite

Strength 3

Landlord DP-3 coverage for Georgia investment properties with flexible underwriting

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

Not competitive on standard single-family owner-occupied homes where admitted carriers have strong appetite

Weakness 2

Claims service is competent but not differentiated

Weakness 3

Limited availability in some states for landlord and specialty coverage; check current appetite before quoting for non-standard rural properties.

Best Fit For

Manufactured home owners, seasonal property owners, landlords with rental properties, RV and motorcycle owners, clients declined by standard markets

Not A Good Fit For

Standard single-family homeowners who qualify for preferred market carriers. Foremost's rates reflect the higher-risk properties they accept that most other admitted carriers will not write.

APPETITE & COVERAGE

What They Write

Coverage Types

Manufactured/mobile home, seasonal/secondary home, landlord dwelling (DP-3), motorcycle, RV, watercraft

Best Pricing For

Foremost is price-competitive for manufactured homes, seasonal or vacant properties, older homes with deferred maintenance, and properties other carriers decline. They are not competitive for standard stick-built homes.

Admitted Status

Admitted in Georgia. Licensed and regulated by the Georgia Department of Insurance. Policies are backed by state guaranty fund protections up to applicable limits.

CLAIMS & PRICING

What to Expect

Claims Experience

Standard claims service through Farmers Insurance Group infrastructure. Adequate for specialty risk claims; not the differentiator on this carrier.

Pricing Context

Pricing reflects specialty risk. Higher than standard markets for comparable exposure, but often the only admitted option for specialty property types.

vs Competitors

Primary specialty competitors are Stillwater, American Modern, and surplus lines markets. Foremost typically wins on manufactured homes and seasonal property; Stillwater wins on landlord DP-3 for metro investment properties.

File a Claim

Call to report a claim:

Phone unavailable

STATE AVAILABILITY

Where They Write

States Available

All 50 states including Georgia

Personal Lines States

GA and all 50 states

Commercial Lines States

Do We Work With Them?

Yes

Strong appetite across rural Georgia (Cherokee, Forsyth, Paulding, and North Georgia counties) for manufactured homes and seasonal properties. Also writes Lake Lanier and coastal Georgia secondary homes where standard carriers have pulled back.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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