Home Insurance

Your home isn't standard and your insurance policy shouldn't be either.

Talk with a local agent about Home Insurance

Don't know which way to turn for home insurance? Not sure what company wants you? Rest assured and choose a Foremost home insurance policy. We specialize in policies that are customized with you and your home in mind.

There are so many types of homes, and some insurers may only offer a one-size-fits-all Homeowners policy. Making the Foremost Choice® will give you coverage and package choices for your home. Foremost is flexible and understands your needs. We are happy to offer coverage choices for all different types of homes and homeowners. Lucky for you, an agent can help you choose the right Foremost policy for your home, so you can relax while someone else takes care of the paperwork!

We've got you covered with flexible home insurance options:

Package Options.

Depending on the policy form, you can choose from a Standard, Plus or Platinum package of coverages, so you get the level of coverage you want for your home.

Comprehensive Property Coverage.

This means we cover most direct, abrupt and accidental physical losses that aren’t specifically excluded in your policy.

Named Peril Coverage.

This means we cover "perils" (fire, explosion, lightning, windstorm and hail damage) which are specifically named in your policy, subject to policy exclusions and conditions.

Liability Coverage.

This provides coverage if you're found legally responsible for an accident that causes injury to someone who doesn't live in your home or causes property damage to another's property.

Actual Cash Value.

If your home is destroyed by an insured loss, this covers the cost to replace or repair your damaged property, with a deduction for depreciation, which reflects the age and condition of your home.

Replacement Cost.

If you purchase a Replacement Cost policy and your home is destroyed by an insured loss, the settlement reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation.

Extended Replacement Cost.

You can receive up to an additional 50% of the insured amount to replace your home in the event of a total loss by a covered peril (not available in all states or programs).

Popular optional coverages (please verify availability in your state and program):

  • Home Share endorsement
  • Service Line Coverage
  • Replacement Cost or Comprehensive Coverage on Personal Property
  • Equipment Breakdown/Home Systems Coverage
  • Scheduled Personal Property
  • Business Property and Liability
  • Higher Liability Limits

If your home is located in Texas, please locate an agent to find out about additional coverages offered to Texas residents.

Do we insure you?

Foremost specializes in insuring all types of homes from newer "standard" and "preferred" homes to older homes that may not qualify for "standard" or "preferred" insurance for one reason or another. We sell both homeowners and owner-occupied dwelling policies that cover the following kinds of properties and risks:

  • Primary residences, seasonal and secondary homes
  • Newer, high-value homes and those that are older or lower in value
  • Homes that are in above-average condition and reflect excellent maintenance to average homes that may have minor cosmetic conditions
  • A broad range of applicants, including those with credit or loss issues
  • Applicants with prior insurance and those who may have been declined, cancelled or non-renewed by another insurance company

Visit an agent to help you choose the right Foremost policy for your home.

You Choose!

Foremost offers flexible payment plans, including pay on-line, by mail or electronic funds transfer. Keep in mind that higher deductibles can help lower the cost of your premium.

Flood Coverage

If you purchase your National Flood Insurance Program policy through Foremost, you'll have a personal, professional agent helping you make sure that your home and your belongings have the coverage you want in the event of a flood.

Foremost specializes in home insurance and understands your needs. It's a smart choice to go with Foremost where over 55 years of experience is on your side.

Coverage Comparison
  Other companies/policy with minimal coverage Foremost Home Insurance Policy
What if my home's market value is much lower than what it would cost to build brand new? Other companies may decline you and not offer you any policy. Foremost offers a number of policy options with a variety of settlements and may offer you a policy with great coverage.
What if I want to pick and choose my coverages? You may have to fit into whatever policy the other insurance company has. Foremost offers flexibility with you in mind. We have package options, from Standard, to Plus and Platinum.
What if I own a home with a swimming pool and two dogs? You may be surprised how much more other companies may charge you to insure your swimming pool and dogs. In addition to Standard and Preferred, Foremost also offers flexible underwriting to accommodate most situations.
What if I don't qualify for "standard" or "preferred" insurance? Chances are you won't be able to insure your home with many insurance companies. We've got a policy for nearly every customer and their home. We offer coverages for homes that may not qualify elsewhere.

Why an agent

"Insurance? I knew absolutely nothing about it, at all. I started looking around and found that there are a lot of companies out there and a lot of information to sort through. So much in fact that I became overwhelmed and didn't know which way was up. Unfortunately, I didn't have a trained advisor guiding me and helping me select the right coverages and ended up paying too much for limited coverage. After my first accident, I found an insurance agent that took me step-by-step through what I needed. What a refreshing experience!"

We want you to take advantage of the knowledge!

Take advantage of our thousands of highly trained and exceptional agents across the country ready to help you choose the best Foremost insurance policy for you. With all the confusing ways to buy insurance out there today, why not stick with a trained professional who knows the ropes. An agent will focus on saving you time, money and hassle on purchasing and maintaining your insurance. They will help you choose the best policy for your lifestyle. Period.

Take advantage of the knowledge at hand and locate an agent to help you choose the right insurance today, so you can relax tomorrow.

Why get an Agent?

Get Informed

Get Informed.

There is so much more to know than what is on this site. An insurance agent is educated and knowledgeable on insurance products and policies. They can answer the questions you didn't even know you had.

Get a lower cost

Get a Lower Cost.

Contrary to popular belief, working with an agent can actually save you money. Agents are professionally trained to help you choose the right policy for you. This saves you from paying for the extras that you don't want.

Get Extra Time

Get Extra Time.

Don't spend time shuffling through papers, trying to figure out if you have the right insurance. Get an agent to take care of the paperwork, so you can take care of having fun with the products you are insuring.

Get Personal Care

Get Personal Care.

Your agent can provide personal care and follow-through that you wouldn't receive on-line. They will welcome you, educate you, book your policy, take your claim information and thoroughly follow-up.

Talk with a local agent about Home Insurance


Availability: The Foremost Insurance for homeowners program is offered in many, but not all states at this time. Programs and coverages can vary among states. To qualify for coverage, homes must meet state-specific eligibility guidelines. Please contact an agent to receive full details.

About the coverages described on this site: Your insurance contract is contained only in your policy, not in this website. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Credit is only used by underwriting or rating where allowed by state law. We use credit-based insurance scoring in some cases. *Coverage may not be available in all areas.

Foremost Learning Center