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Foremost is a national specialty insurance carrier operating in all 50 states. Foremost insurance is best known for offering insurance on the following types of properties:

  • Dwelling fire policies – DP3 vs. DP1
  • Rental homes or landlord properties
  • Vacant homes
  • Mobile or manufactured homes
  • Modular homes
  • Actual cash value coverage

Foremost has a non-standard auto carrier called Bristol West, which can cover auto liability for drivers with problematic driving records. Foremost and Bristol West sit under the Farmers Insurance Group umbrella — founded in Los Angeles in 1928.

Here’s everything you need to know about Foremost Insurance:

Foremost mobile home insurance

Foremost Mobile Home Policies include the following:

1. Comprehensive coverage

The comprehensive coverage offered by Foremost covers the following perils:

  • Fire
  • Lightning
  • Windstorm
  • Hail
  • Theft
  • Riot
  • Aircraft
  • Falling objects
  • Vehicles not owned
  • Weight of ice, snow, or sleet
  • Smoke
  • Vandalism
  • Freezing of pipes
  • Volcanic eruption
  • Electrical current
  • Water from appliances

2. Optional replacement cost

Covers property at replacement cost instead of actual cash value.

3. Agreed Loss Settlement

If one of the covered perils listed above destroys or damages your home, you get the coverage limit listed on your declarations page for your home, minus the deductible.

4. Liability Coverage

If someone files a lawsuit against you for something that happens on your property or your negligence.

Good to know: Foremost also offers add-ons such as:

  • Additional living expenses – if you need to live somewhere else while your home is under repair
  • Trees, shrubs, plants, and lawns
  • Debris removal
  • Emergency removal/repair services
  • Credit card and check forgery
  • Fire department service
  • Food spoilage coverage

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Foremost vacant home insurance

The DP1 is a bare-bones insurance policy. It provides the minimum coverage for vacant property and is a named perils policy. Named perils is another way to say the plan only offers coverage for eight basic perils.

  • Fire
  • Smoke
  • Lightning
  • Explosion
  • Wind and hail
  • Aircraft, vehicles hitting the house
  • Riot, looting, and vandalism
  • Volcanic eruption

You do not have coverage if the cause of damage is outside of the named perils listed above.

DP1 policies tend to be written at Actual Cash Value (ACV). Actual cash value means that if you have a claim on your house, the claim payout will match the used value of the property destroyed, not the replacement cost or brand new value. In a claims situation, you only get a check for the ACV coverage amount on the policy — which may be less than the cost to rebuild your house.

Foremost landlord home insurance

This DP3 policy covers houses from single to multi-family that function as rental properties (excluding apartment complexes). The DP3 is the policy for anyone who rents out a property and covers the building’s structure and rental income from the property. A DP3 policy does not cover the renter’s belongings.

If you own a duplex, triplex, or quadplex and live in one of the units while renting out the others, then you’ll sometimes need a DP3 as well to protect the areas of the home not inhabited by the owner.

Foremost review

Foremost is rated A (Excellent) by AM Best. They are financially stable and connected to the Farmers Insurance umbrella.

Where is Foremost insurance available?

Foremost offers insurance coverage in all 50 states.

Filing a claim with Foremost

To file a claim with Foremost, policyholders can:

  • File a claim online
  • Call the claims hotline: 1-800-527-3907

Claims can be contentious subject, and a lot of the confusion and frustration in claims originates from misunderstanding what a policy covers. Do your best to understand what your plan includes upfront, so you’re not surprised down the road. As with some older insurance carriers, Foremost is known to be slower at processing/paying out claims.

Final thoughts

Foremost insurance reviews have been mixed, mainly around the claims experience. However, if you are looking to insure a specialty property: mobile home, rental property, and vacant properties – they’re often the best value. Foremost is financially stable and an expert in their domain of property insurance products.

Copyright (c) 2023, Credible Insurance, Inc. d/b/a Credible Insurance Agency (CA Lic. # 0M90597). Insurance Services provided through Credible Insurance, Inc., VA: Credible Insurance Agency, Inc., MN SOS: Credible Cover, Inc. Credible Insurance is a subsidiary of Credible Labs Inc. 1700 Market St. Ste. 1005, Philadelphia, PA 19103.
About the author
Credible Staff
Credible Staff

The goal of the Credible editorial writers and staff is to help our readers get up to speed on issues surrounding student loans, mortgage, and personal finance, so you can make informed decisions. We’re here to help you stay on top of the latest news, trends, concepts, and changes in policy and regulations.

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