LinesHome, Dwelling, Auto, Specialty, Flood, Personal umbrella, Commercial auto
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Homeowners | Home | Most states | Mobile, manufactured and modular homes of almost any age, size, make and model, in a park or on private property. Open-peril coverage on dwelling, contents and other structures; agreed loss, replacement cost or extended replacement cost settlement; discounts for newer homes and approved parks (Mobile Home agent page, Oct 2026). |
| Landlord | Dwelling | Most states | Landlord program for owners of one or many rentals, with no restriction based only on home age and dwelling values of $5K to $1M in most states. Landlord or Landlord Platinum packages; agreed loss settlement on total losses in most states. Policies can switch between rental and vacant use in most states (Landlord agent page, Oct 2026). |
| Landlord | Dwelling | Most states | Vacant Home: homes for sale, for rent and vacant manufactured homes, valued $5K to $1M in most states, with no limit on how long the home has been vacant. Can be written to an LLC or trust; liability, vandalism and personal property optional (Vacant Home agent page, Oct 2026). |
| Homeowners | Flood | Most states | Foremost Flood is NFIP (FEMA) coverage, Standard and Preferred policies, for single-family homes, condo owners and associations, renters (contents only), mobile and manufactured homes and commercial buildings. NFIP limits apply: $250K building and $100K contents for 1-4 family. No private flood product is listed (Flood agent page, Oct 2026). |
| Recreational vehicles | Specialty | Most states | Foremost Choice motorcycle in Saver, Plus and Elite packages. Elite adds five years of replacement-cost total loss settlement, $5,000 optional equipment and $2,500 helmet and apparel. Motorcycles the owner rents out are eligible (Motorcycle agent page, Oct 2026). |
| Recreational vehicles | Specialty | Most states | Motorhome, fifth-wheel and luxury motor coach policies (fifth-wheels and luxury coaches through a Foremost marketing rep). Full-Timer liability for owners living in the RV, campsite liability and total loss replacement for new models within five model years (Motorhome agent page, Oct 2026). |
| Recreational vehicles | Specialty | Most states | Marine Choice boat program, which Foremost says fits more than 95% of registered boats, in Saver, Plus and Elite packages with specialized packages for personal watercraft, pontoons, classics and performance boats (Boat agent page, Oct 2026). |
| Recreational vehicles | Specialty | Most states | Collectible Auto on agreed value, with options for automobilia, full glass, car covers and limited trailer and paddock coverage. J.C. Taylor is the managing general underwriter and agents quote at JCTaylor.com/agents (Collectible Auto agent page, Oct 2026). |
| Homeowners | Personal umbrella | Most states | Foremost Signature Umbrella, quoted in Agent360, sits over the client's auto, home, boat and RV policies. Excess UM/UIM applies only after the underlying auto UM limit is exhausted (Signature Umbrella agent page, Oct 2026). |
How to quote Foremost Insurance
→Carrier portal. Quote directly in the Foremost Insurance agent portal.
Getting appointed
Agencies apply on the Foremost Agent site's Get Appointed page. The agency needs a license in good standing in each state where it plans to write. The form asks whether it is already appointed with Foremost or Bristol West and whether it has owned or worked for a Farmers agency in the past 12 months.
Sources
- Foremost Agent: home (product list, Foremost Agent Portal)
- Foremost Agent: Mobile Home
- Foremost Agent: Landlord
- Foremost Agent: Vacant Home
- Foremost Agent: Flood
- Foremost Agent: Motorcycle
- Foremost Agent: Motorhome
- Foremost Agent: Boat
- Foremost Agent: Collectible Auto
- Foremost Agent: Signature Umbrella (Agent360)
- Foremost Agent: Get Appointed