INSURANCE CARRIER
Foremost Insurance
Foremost Insurance, a member of the Farmers Insurance group, is a specialty personal-lines carrier built around the risks that standard, admitted homeowners carriers routinely decline.
Personal Lines
- 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 member of the Farmers Insurance group, is a specialty personal-lines carrier built around the risks that standard, admitted homeowners carriers routinely decline. Where a preferred carrier wants a newer, owner-occupied home in clean condition, Foremost's appetite runs the other direction: manufactured and mobile homes, seasonal and secondary properties, vacant homes, older homes with non-standard construction or systems, and landlord dwelling policies. For a household whose property falls outside standard eligibility guidelines, Foremost is often the market that will still write the risk. Beyond property, Foremost consolidates specialty personal lines under one carrier relationship, writing recreational vehicle, motorcycle, and watercraft coverage alongside its home programs. For example, an owner with a manufactured home, a travel trailer, and a boat can place a
Strengths
What This Carrier Does Well
Broad specialty appetite: Foremost writes the manufactured, seasonal, vacant, and older-home risks that standard carriers decline, so a hard-to-place property still has a market.
One-carrier consolidation of specialty personal lines: home, RV, motorcycle, and watercraft under a single Farmers-backed relationship, which simplifies coverage for households with several non-standard exposures.
Landlord and dwelling-fire (DP-3) capability for rental and non-owner-occupied property, a common gap in standard homeowners markets that Foremost fills directly.
Limitations to Know
Where They Fall Short
Not the lowest-cost option for standard, newer, owner-occupied homes: preferred carriers compete hard for clean, qualifying risks and usually beat Foremost's pricing on them.
Specialty pricing reflects the elevated risk Foremost accepts, so premiums can run higher than a preferred policy for a comparable standard home. The tradeoff is availability where the preferred market declines.
Coverage forms and sublimits vary by property type and program: a manufactured-home policy is structured differently than a standard homeowners form, and settlement can be on actual cash value rather than replacement cost on some risks, so the specific form is worth reviewing.
Right Fit
Who They Are Best For
Best Fit For
Owners of manufactured or mobile homes, seasonal or secondary residences, and vacant properties; owners of older or non-standard homes that preferred carriers decline; landlords needing dwelling-fire coverage on rental or non-owner-occupied property; and households that want to consolidate an RV, motorcycle, or boat with their home coverage under one specialty carrier.
Not a Good Fit For
Standard, newer, owner-occupied homes in clean condition, which qualify for and usually price better in the preferred market; and high-value homes needing high-net-worth concierge coverage, which is a different specialty. For those risks, a preferred or high-value carrier is the stronger fit, and a coverage review can point you to it.
Appetite & Coverage
What They Write
- Line of Business
- Personal Lines
- Coverage Types
- Manufactured/mobile home, seasonal/secondary home, landlord dwelling, motorcycle, RV, watercraft
- Carrier's Licensed States
- All 50 states
- 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, specialty carrier. Licensed and regulated by the state insurance department in each state where it writes. Policies are backed by applicable 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.
Admitted Status: Admitted, specialty carrier. Licensed and regulated by the state insurance department in each state where it writes. Policies are backed by applicable 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