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 verified agent-facing boat page is a product/coverage page rather than a full public appetite guide. Current published marine positioning indicates broad appetite for personal boat and personal watercraft business, with package options for Saver, Plus, and Elite, plus specialized packages for Personal Watercraft, Pontoons, Classics, and Performance boats. Official marine marketing materials state binding authority is available on watercraft up to 35 feet and $175,000 in value, and that Foremost targets a large share of the standard personal boat market; highlighted conversion segments include pontoon, PWC, fishing, utility, and runabout/wake boats. Consumer-facing product pages also list bass boats, fishing boats, performance boats, runabouts, sailboats, classics, cruisers, and pontoons as insurable examples. Restrictions/declines are not fully detailed on the verified public pages. The clearest published limit is size/value authority: up to 35 feet and $175,000 for standard binding authority. Availability varies by area, and Foremost expressly notes that not all products, coverages, or discounts are available in all areas. No verified public page found with a detailed ineligible-vessel, navigation-territory, loss-history, or operator-eligibility decline list, so those items should be confirmed in ForemostSTAR or with a territory manager before quoting exceptions. Geographic notes: Foremost states online boat quote availability is state-dependent; in some states it cannot provide an online quote and instead directs prospects to a local agent. Product, coverage, and discount availability varies by state/area. For operational use, treat marine availability and forms as jurisdiction-specific and confirm state eligibility before submission. Submission/quoting requirements and producer notes: Appointed agents are directed to quote and book specialty property/casualty policies through ForemostSTAR. The quoting portal requires a producer code; agents without one are instructed to call 800-237-6136. The boat page links agents to quote/book specialty business and to territory manager lookup resources. Non-appointed agents are directed to a get-appointed pathway before accessing business placement. Public consumer quote requests may be submitted online, with estimate responses indicated in 2–3 business days where available, or routed through a local licensed agent. Home/product-line context: Foremost’s official product pages confirm active personal lines offerings that include Home, Vacant Home, Seasonal Home, Landlord and Rental Home, Renters, owner-occupied and vacant/landlord condo, and Mobile Home in addition to marine. A Foremost product reference guide describes broad property underwriting posture for several home products (for example, no restrictions based solely on dwelling age for certain landlord/vacant offerings), but that guide appears to be a broader marketing reference rather than a current boat-specific underwriting manual. Use it only as supporting context, not as binding appetite authority. Operational takeaway: Preferred submissions are mainstream personal-use watercraft within delegated authority, especially pontoon, PWC, fishing, utility, and runabout/wake segments. Expect package-based placement options and multiple discounts. For anything outside standard size/value authority, state availability, or standard vessel classes, verify through ForemostSTAR underwriting resources or a territory manager before promising terms.