Foremost Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Foremost’s currently published marine guidance shows a broad personal watercraft and boat appetite. Official consumer and agent materials indicate eligibility for many common recreational craft, including bass boats, fishing boats, performance boats, runabouts, sailboats, classics, cruisers, pontoons, PWCs/personal watercraft, center consoles, and even houseboats; agent marketing also states small utility boats through large cruisers are generally in appetite. Foremost states Marine Choice fits more than 90% of registered boats nationwide and that boats up to 45 feet in length or values up to $300,000 can be quoted without underwriting intervention, implying larger or higher-value risks may require referral. Submission/quote intake requires detailed risk data including year, make, model, HIN, hull material, fuel type, power type, engine count, horsepower, max speed, navigation area, boat and motor value, mooring/storage address, and whether the insured lives within 150 miles of the mooring/storage location. Geographic availability is state-sensitive: Foremost notes online quotes are unavailable in some states and products/coverages/discounts vary by area; when unavailable, business is directed to a local agent. No formal public decline list was found on official pages reviewed, so restricted or declined classes are not expressly published there; however, practical broker handling should treat over-45-foot or over-$300,000 vessels, and any risks falling outside the broad recreational craft categories, as likely underwriting-review submissions. Producer notes: marine underwriting support is handled through the RV/marine underwriting channel at rvuw@foremost.com, and when sending underwriter-requested documents Foremost instructs agents to include the policy or quote number, policyholder name, and agent code in the subject line. Agents are also directed to use the Underwriting tab in the quote/endorsement for the correct review phone number and can process quotes and servicing through ForemostSTAR/agent portal tools.