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 underwriting guidance for Foremost is largely distributed through agent-only portals (ForemostSTAR and Producer News Portal) and product program guides rather than a single public appetite guide. As of early 2026, the following points reflect what is publicly visible and reasonably inferable from official materials: Preferred / target business - Homeowners – Foremost Choice Home targets standard to slightly-hard-to-place homeowners risks up to two units and offers tiered packages (standard/plus/platinum). Preferred accounts are primary residences with at least $15,000 in Coverage C personal property, generally well-maintained, and eligible for credit use where allowed. Strong fits include homes that benefit from add‑on coverages such as equipment breakdown, home systems, service line and optional home‑sharing endorsements. Multi-policy relationships and companion auto are actively encouraged. ([foremostagent.com](https://www.foremostagent.com/products/home/?utm_source=openai)) - Signature Home – Where available, Signature Home is marketed as a premier level, bundle‑friendly homeowners option with broad underwriting criteria (no blanket limit on age of dwelling) and willingness to write in LLC or trust names. Good fit for higher‑value, well‑kept homes where the client wants broader coverage and bundling with Signature Auto. ([foremostagent.com](https://www.foremostagent.com/assets/marketing/agentmarketingmaterials/general/pdf/multi-product-reference-sheet.pdf?utm_source=openai)) - Manufactured/specialty dwelling – Foremost continues to position itself as a leader in manufactured and mobile home, specialty dwelling and other non‑standard property segments, emphasizing broad underwriting appetite for these segments and flexible forms. ([foremostagent.com](https://www.foremostagent.com/assets/marketing/AgentMarketingMaterials/Property/pdf/Foremost-Manufactured-Home-Insurance-Quick-Facts.pdf?utm_source=openai)) - Boat/watercraft – Foremost markets a broad craft appetite with multiple package levels suitable for a wide range of recreational boats. Program materials suggest a streamlined quoting process for boats with options for emergency expense and other specialty coverages, indicating comfort with typical personal‑use craft written on a stand‑alone boat policy rather than homeowners. ([foremostagent.com](https://www.foremostagent.com/assets/marketing/agentMarketingMaterials/General/pdf/Foremost-Insurance-DIY-Guide.pdf?utm_source=openai)) Restricted / declined risks (public, non‑state specific) - Detailed declinations, distance‑to‑coast rules and age/condition cut‑offs are not published publicly; they are contained in state/program guides accessible only via ForemostSTAR and the Producer News Portal. Agents are directed to log into the portal for current program guides and underwriting messages and to contact underwriting for edit reviews. ([foremostagent.com](https://www.foremostagent.com/Contact?utm_source=openai)) - Public reporting and regulatory filings show tightening on some homeowners, condo, dwelling fire and manufactured home policies in Texas, including targeted non‑renewals and removal of wind/hail coverage in certain coastal counties. Foremost indicates it still writes new TX property business where risks meet existing eligibility guidelines, but appetite is clearly narrower in higher‑risk coastal and severe‑weather‑exposed areas. Expect stricter roof, loss-history, and location criteria and greater use of non‑renewal or wind/hail exclusion tools in those zones. ([programbusiness.com](https://programbusiness.com/news/foremost-mitigating-homeowners-risk-in-texas-with-targeted-nonrenewals/?utm_source=openai)) Geographic / program structure notes - Foremost operates on a state‑by‑state program basis. Public product pages explicitly state that product availability, coverages and discounts vary by state and that agents should consult property product availability and program guides by state through ForemostSTAR. This implies that core appetite (older homes, specialty dwellings, manufactured homes, boat) is national, but with localized restrictions and eligibility criteria. ([foremostagent.com](https://www.foremostagent.com/products/home/?utm_source=openai)) - Signature Home and certain enhanced coverages (equipment breakdown, service line, home‑sharing options) are not available in all states. Agents should confirm availability when quoting, particularly in catastrophe‑prone states (coastal TX, FL, Gulf, parts of CA). ([foremostagent.com](https://www.foremostagent.com/products/home/?utm_source=openai)) Submission and underwriting process expectations - Underwriting is highly portal‑driven. Agents are expected to quote, bind and service business through the Foremost Agent Portal / ForemostSTAR system. Program guides, blank applications and forms are accessed via ForemostSTAR and Supply Source; underwriting FAQs and edit resolution are also handled through the portal search and underwriting tabs. ([foremostagent.com](https://www.foremostagent.com/Contact?utm_source=openai)) - For risks that trigger underwriting review (e.g., edits, schedule business, specialty dwelling), agents are instructed to: use the Underwriting tab in the quote for the appropriate phone contact; email specialty dwelling submissions to the designated underwriting address; and send schedule requests and supporting documents via specified email/fax rather than binding unapproved risks. ([cp.foremost.com](https://cp.foremost.com/contact/contact_foremost.htm?utm_source=openai)) - Producers must be properly licensed and appointed with Foremost to solicit, bind, or receive commissions. Audits of producer files may be conducted, and producers must be able to furnish requested documents within the stated timeframes. ([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/FOREMOST.pdf?utm_source=openai)) Key broker / producer instructions - Access to detailed underwriting guidelines and appetite is controlled: agents are repeatedly directed to the Producer News Portal and program guides section within the Agent Portal for current underwriting changes, program updates and any temporary moratoria or cat‑related restrictions. ([foremostagent.com](https://www.foremostagent.com/contact?searchProducer=soalmost+customer+service+number&utm_source=openai)) - For underwriting questions and edits: agents are to contact underwriting via the numbers listed on the Underwriting tab in the quote or by using the published underwriting support emails/faxes (e.g., specialty dwelling, mobile home schedules). Producers do not have claims settlement authority and should route claims directly to Foremost’s claims centers or online claim tools. ([cp.foremost.com](https://cp.foremost.com/contact/contact_foremost.htm?utm_source=openai)) Practical takeaways for operational use - Use Foremost primarily for: (1) manufactured/mobile homes and specialty dwellings, (2) standard-to-nonstandard homeowners where other carriers are restrictive, and (3) personal‑use boats/watercraft where a stand‑alone marine policy is preferred. Expect broad underwriting on age of dwelling and ownership structure in Signature/Home programs but verify state‑specific rules in ForemostSTAR. - Treat Texas coastal and other cat‑heavy regions as tightened appetite zones; carefully check current property program guides for wind/hail eligibility, mandatory exclusions or separate wind requirements before assuming bindability. - Assume that any non‑vanilla risk (older roof, prior losses, protection class issues, unusual occupancy such as short‑term rental, or large/unusual boats) may require underwriting review or documentation and must not be bound until cleared through the Underwriting tab or direct underwriter contact. - For the most current appetite, agents should log into ForemostSTAR, review program guides and Producer News, and contact underwriting or the territory manager on edge cases; public materials deliberately avoid granular rules, so local underwriting practice controls on a case‑by‑case basis.