Secure Your Future with Foremost Insurance – Your Partner

Whether you own a home, drive a car, rent out property, or have a unique living situation — having the right insurance matters. Foremost Insurance offers flexible and often more accessible policies than many mainstream carriers, especially for non-standard homes, mobile or manufactured homes, rental properties, or drivers with non-typical records. This guide explains what Foremost covers, who may benefit most, and how to decide if it’s right for you.

What Foremost Insurance Offers

Home & Property Coverage (Standard, Non-Standard, and Specialty Homes)

• Foremost insures a wide range of homes: from traditional houses to manufactured, mobile, or older / non-standard homes.

• Coverage can include structural protection, personal property, and optional add-ons like equipment breakdown, service-line failures, and extended replacement-cost protection.

• Your policy can often be customized — whether it’s your primary residence, a rental, a vacation home, or a vacant property.

Auto & Specialty Vehicle Insurance

• Foremost (through its auto-insurance line) covers standard auto, but also works with specialty vehicle insurance — useful if you own motorcycles, RVs, travel trailers, or unconventional vehicles.

• Coverage options include liability, uninsured / underinsured motorist protection, rental reimbursement, roadside assistance, and more.

Flexible & Hard-to-Place Risks

• Foremost is known for underwriting properties or people that standard insurers may decline: older homes, lower-value houses, homes with cosmetic issues, mobile/manufactured homes, or applicants with imperfect credit or prior claims.

• This makes Foremost a valuable option when mainstream insurance carriers are unavailable or too expensive.

Multiple Coverage Lines & Bundling Discounts

• You can bundle home, auto, and specialty coverage under Foremost, which may provide convenience and potentially savings.

• Their flexibility and variety mean you can tailor coverage based on your needs — from minimal coverage up to more comprehensive protection.

Who Might Benefit Most from Foremost

Foremost Insurance tends to fit well for:

• Owners of mobile homes, manufactured homes, older or non-standard houses

• People who have been declined by conventional insurers due to credit history, claims history, or property condition

• Renters, landlords, or investors needing flexible rental / vacation / vacant-home policies

• Owners of special vehicles: motorcycles, RVs, trailers, older cars, vintage/collector vehicles

• Anyone needing a customizable, non-standard coverage outside mainstream insurer comfort zones

Things to Know Before You Choose Foremost

• As with all specialty insurers: you might face higher premiums than standard policies, especially if you require broader coverage or have higher risk factors.

• Coverage availability and terms vary by state — not all programs are offered everywhere.

• Because of the nature of specialty / hard-to-place risks, some limitations or stricter underwriting guidelines might apply (e.g. with wind/hail, roof age, or high-risk locations).

• For auto coverage, the standard offering may be more basic than some major insurers — optional high-end perks (like disappearing deductibles, “new car replacement”, or premium benefits) may not be available.

What Customers Say — Pros & Cons

Pros

• Foremost is often willing to insure properties or situations that many other insurers refuse. 

• Flexibility: coverage for non-standard homes, mobile homes, rentals, and specialty vehicles. 

• Variety: home, auto, specialty vehicles, rental properties — all under one insurer for easier management. 

Cons / What to Check Carefully

• As specialty policies, premiums can be higher and coverage may come with limitations depending on property condition, risk factors or state regulations. 

• In some cases, digital or online experience (customer portal or quote-binding) may be less streamlined compared to mainstream insurers. 

• Because you may be insuring higher-risk homes or vehicles, it’s essential to read policy details carefully — to know what is and isn’t covered, especially in high-risk areas or with non-standard homes.

FAQ — Quick Answers

Is Foremost good for older or manufactured homes?
Yes — Foremost specializes in insuring mobile homes, older residences, and homes that traditional insurers may reject.

Will Foremost insure rental properties or vacation homes?
Yes — they offer flexible home/property policies suitable for rentals, vacant homes, second homes, or vacation properties.

Can I bundle home and auto insurance with Foremost?
Yes — that’s often possible, which can simplify billing and potentially lower overall cost.

Is auto coverage under Foremost reliable for standard and specialty vehicles?
Yes — standard auto coverage is available, and for motorcycles, RVs, trailers or other specialty vehicles, they offer appropriate coverage through specialized lines.

Do I pay more for coverage with Foremost?
Premiums can be higher than with standard insurers, especially when insuring non-standard homes or higher-risk properties/vehicles. It’s important to compare coverage types, deductibles, and overall value.

Final Thoughts

Foremost Insurance stands out as a flexible, accessible insurer for people and properties outside the “mainstream” insurance mold — mobile homes, older houses, rentals, specialty vehicles, or hard-to-place risks. It may not always be the cheapest option, but for those who have trouble finding coverage elsewhere, it often represents a viable, reliable solution.

If your home or vehicle doesn’t fit standard insurer criteria — or if you need flexible, custom insurance — Foremost deserves serious consideration.

Get a Custom Foremost Insurance Quote for Your Needs

Protect your property, vehicles, or investment — even if they’re non-standard or high-risk.
Fill out the form below to receive a personalized quote tailored to your situation and coverage needs. Start now — secure reliable insurance that meets your unique requirements.