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
Operational focus: Foremost is positioned as a specialty personal lines carrier targeting non‑standard or niche property risks (manufactured/mobile homes, landlord/rental, vacant and seasonal dwellings, specialty dwelling) and mono‑line marine (boat and PWC). Appetite details below reflect currently published producer materials; many line‑by‑line underwriting rules and forms are available only via the ForemostSTAR agent portal and program guides. PREFERRED / TARGET RISKS • Home / Landlord & Vacant / Specialty Dwelling (from multi‑product reference guide): – Landlord: 1–4 family rental dwellings, including homes titled to individuals, LLCs or trusts; broad underwriting with no blanket restriction based solely on age of dwelling. Package options (Landlord, Landlord Platinum, or customized) with coverage for loss of rents and liability. – Vacant: Dwellings temporarily vacant or unoccupied (site‑built, manufactured, condo, homes for sale or between tenants, and properties in the name of an estate). Offered on Dwelling Fire 1 or condo form; vandalism, liability, and optional comprehensive in most states. Ability to endorse to a landlord policy in most states. – Mobile/Manufactured home: Owner‑occupied, rental, or seasonal manufactured homes of any age, single or multi‑section; optional dwelling and contents replacement cost, comprehensive coverage, and various additional living expense and debris removal benefits. – Renters: Tenants in site‑built or manufactured homes, with comprehensive liability and flexible endorsements. • Marine – Boat & Personal Watercraft (agent product page and TX marine guide): – Personal pleasure‑use boats and PWCs including bass boats, fishing boats, runabouts, sailboats, cruisers, performance boats, classics, pontoons and similar pleasure craft. – Owned and operated for personal use on U.S. and Canadian inland/coastal waters; can consider a wide range of ages, lengths, and values subject to underwriting and state availability. – Packages: Saver, Plus, and Elite marine packages, plus specialized packages for PWC, pontoons, classics and performance boats. Broader physical damage and personal property coverage in Plus/Elite tiers, including replacement cost options and low deductibles on personal property. RESTRICTED OR DECLINED CLASSES (MARINE FOCUS) • From the Foremost marine underwriting guide (TX version; representative of general appetite, specific state rules may vary): – Boat must be operated on U.S./Canada waters and be personally owned/operated; business‑titled boats may be acceptable only when used strictly for personal, not commercial, purposes. – Declined: commercial or business use of watercraft, including charter vessels, vessels with paid crew, commercial fishing, resort or youth‑organization boats, rental or leased‑to‑others watercraft, and emergency services craft. – Declined: ferro‑cement boats, ice boats, primary operators under 14, named insureds under 18, operators with suspended driver’s licenses, and boats hauled by trailers not built as boat trailers. – Racing or speed‑contest use (other than sailboat racing) is generally excluded. • Property lines: producer sheet emphasizes that Foremost is used for non‑standard/specialty property (manufactured homes, landlord, vacant, specialty dwelling). Standard owner‑occupied HO risks may be limited or unavailable in some states; agents should verify current state‑specific home product availability in ForemostSTAR. GEOGRAPHIC NOTES • Marine and property product availability is state‑dependent. The consumer boat page notes that not all products, coverages, or discounts are available in all areas; Foremost directs agents to "Casualty product availability by state" and to ForemostSTAR program guides for specific state rules. • Marine underwriting requires watercraft to be operated on waters of the United States and Canada, including coastal waters for which the policy is rated; navigation limits and coastal distance are enforced per state/program guide. SUBMISSION & UNDERWRITING PROCESS • General: Foremost uses appointment‑based distribution. Business is submitted through the ForemostSTAR agent portal. Many underwriting rules, applications, and program guides (including detailed home and marine underwriting) are only accessible once logged in. • Marine (boat/PWC): – Agents can obtain estimates using the marine estimate request workflow or via their comparative rater/agency management integration where available. – Required information typically includes hull type, length, age, value, navigation territory, mooring/lay‑up details, operator experience, loss history, usage (must be personal), and any prior cancellations or non‑renewals. – Some risks (older/larger vessels, high values, unusual construction, prior losses, or marginal credit profiles) may require underwriter review and possibly a survey per program guide. • Property (landlord, vacant, mobile/manufactured, specialty dwelling): – Agents must classify the dwelling correctly (owner‑occupied vs landlord vs vacant vs seasonal vs manufactured), select the appropriate Dwelling Fire or specialty form, and ensure Coverage A limits meet Foremost’s insurance‑to‑value standards per specific program guide. – Program guides specify minimum condition requirements (sound structure, maintained premises, acceptable prior loss counts and causes) and outline when pre‑approval is needed for adverse characteristics or multiple prior losses. BROKER / PRODUCER NOTES • Foremost emphasizes specialty positioning and broad underwriting within those niches – especially for older dwellings, manufactured homes, landlord/vacant risks, and a wide variety of pleasure boats and PWCs – but requires strict exclusion of commercial, charter, or rental use on marine. • Many marketing sheets direct producers to log into ForemostSTAR.com for: forms, blank applications, detailed program guides, availability‑by‑state matrices, and current underwriting rules. Producers should rely on those portal documents for state‑specific and version‑specific requirements before binding. • Use the ForemostAgent site to locate territory managers, access marketing materials, and confirm whether a given product line is currently open, restricted, or closed in a particular state or territory. Practical guidance for agents: • Use Foremost for: manufactured/mobile homes of any age, landlord and vacant dwellings (including in trusts/LLCs and in estates), and a wide variety of personal‑use boats and PWCs that may be outside standard carrier appetite. • Avoid or refer elsewhere: any boat or PWC with commercial/charter/rental or emergency use, ferro‑cement or ice boats, operators under stated age thresholds or with suspended licenses, and dwellings that fail minimum condition or insurance‑to‑value standards as outlined in current program guides. • Always confirm state availability and current manuals via ForemostSTAR prior to quoting/binding, as appetite and moratoria can vary by state and over time.