INSURANCE CARRIER
Foremost Insurance
Specialty personal lines coverage, including manufactured homes, seasonal properties, and non-standard risks.
Personal Lines - Georgia
- File a claim 800-527-3907 · 24/7 phone and online
- Online Account & claims portal
- After hoursFile online or call 1-800-527-3907 anytime.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Foremost Insurance, a subsidiary of Farmers Insurance Group, was built around specialty and non-standard personal lines, the risks most admitted standard carriers decline to write. Their core appetite covers manufactured and mobile homes, seasonal or secondary properties, older homes with non-standard construction, and landlord dwelling policies, making them a practical market when a client's risk profile falls outside standard eligibility guidelines.
Beyond property, Foremost writes recreational vehicle, motorcycle, and watercraft coverage, consolidating specialty personal lines under one carrier for clients with multiple non-standard exposures. Available through Olive Cover to place coverage in Georgia.
Strengths
What This Carrier Does Well
Specialty appetite for manufactured homes, seasonal properties, and non-standard risks that admitted standard carriers decline
Strong recreational vehicle and watercraft appetite
Landlord dwelling coverage for Georgia investment properties with flexible underwriting
Limitations to Know
Where They Fall Short
Not competitive on standard single-family owner-occupied homes where admitted carriers have strong appetite
Claims service is competent but not differentiated
Limited availability in some states for landlord and specialty coverage; check current appetite before quoting for non-standard rural properties.
Right Fit
Who They Are Best For
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
- Line of Business
- Personal Lines - Georgia
- Coverage Types
- Manufactured/mobile home, seasonal/secondary home, landlord dwelling, motorcycle, RV, watercraft
- States Available
- All 50 states including Georgia
- Personal Lines States
- GA and all 50 states
Pricing & Claims
What to Expect
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.
Pricing Context
Pricing reflects specialty risk. Higher than standard markets for comparable exposure, but often the only admitted option for specialty property types.
Claims Experience
Standard claims service through Farmers Insurance Group infrastructure. Adequate for specialty risk claims; not the differentiator on this carrier.
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.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts