Foremost offers auto, boat, business and home insurance policies, according to Foremost Insurance Group. The company also offers recreational vehicle, motorcycle and off-road vehicle policies. Auto policies cover standard passenger vehicles, collectible vehicles and neighborhood electric vehicles, while boat coverage includes boats and personal watercraft. Business coverage includes business owners, commercial auto, umbrella policies and workers' compensation, and home policies cover homeowners, landlords, vacant and seasonal homes, mobile homes and flood insurance. Policy discounts are available.
The recreational vehicle insurance that Foremost offers includes policies for motor homes, travel trailers, fifth-wheels and luxury motor coaches, notes Foremost Insurance Group. Motorcycle and off-road vehicle policies cover off-road vehicles, scooters, snowmobiles, motorcycles and golf carts.
Homeowners insurance policies offer a variety of coverage options, such as replacement cost, extended replacement cost, and additional coverage for jewelry and other valuables, explains Foremost Insurance Group. Replacement cost means policyholders receive payment to replace destroyed property with new property of comparable quality and material without a deduction for depreciation. Some states offer extended replacement cost coverage, which pays homeowners 125 percent of their insured amounts to replace their homes. Foremost offers discounts to policyholders who have superior insurance scores, are age 50 or older, or have more than one policy with the insurer.