Products Available

Foremost offers a wide array of standard, specialty and commercial lines products with distinct coverages and options, so you can customize a product portfolio that specifically fits your customer's particular situation. Products often include multiple policy and unit discounts with a combination of superior coverages and value. Product availability is based on authority and all products are not available in all areas.

With a breadth of products, you'll find we offer a unique cross-sell opportunity and have a broad range of acceptance throughout our product lines, giving you more opportunity to grow your business.
Authority may not be available for all products listed. All coverages and discounts may not be available in all areas.


Products for: California


  • The Auto program is loaded with important coverages and options to provide a specialized policy a wide range of customers and more vehicles.
  • Dynamite Deductible® Endorsement reduces the deductible in the event of a Comprehensive or Collision loss by $50 for each semi-annual policy renewal or $100 for every annual policy renewal
  • A wide range of discounts including Multi-Policy (Farmers, Foremost and Zurich policies qualify), Paid in Full, Electronic Funds Transfer, Multi-Car, Distant Student and Minor Child.
  • One household, one policy, for all vehicles: Standard auto policies are written with one easy-to-read bill and one Declarations Page, so you don’t have to worry about different effective dates, renewals and multiple bills.

Manufactured Home

  • Foremost was the first company to write a policy just for mobile homes and we are the number one insurer of mobile homes today.
  • Any value, new or several years old, big, small, on private property, located in a park, park models and more. Programs for primary, secondary and tenant use, rental and commercial homes (our commercial program lets you write landlords, rental and commercial travel trailers, animal trailers and utility trailers).
  • If the covered home suffers a total loss, the Agreed Loss Provision means your customer gets the full amount of insurance shown on the Declarations Page for the home, minus any applicable deductible.
  • No matter what the age of the home, Foremost owner-occupied programs offer Optional Replacement Cost Coverage.

Specialty Homeowners and Dwelling Fire

  • Rental and landlord properties, including vacation rental
  • Owner-occupied
  • Vacant homes, including manufactured homes
  • Primary and Seasonal properties, including unsupported seasonal


  • Touring bikes, sport bikes, cruisers, trike conversions, imports, and custom and classic cycles
  • Replacement Cost Total Loss Settlement applies on bikes purchased new from a dealer and insured with Foremost within 30 days. If there is a total loss in the first two years, we will replace the bike with a new, comparably-equipped motorcycle. This applies to bikes with an MSRP below $35,000.
  • Towing and Roadside Assistance with Trip Interruption coverage.

Off-Road Vechicle

  • Dirt bikes, dune buggies, golf carts, and regular, standard and utility ATVs
  • $1,500 of Helmet and Safety Apparel Coverage is included for a covered collision when Collision Coverage is purchased
  • Transport Trailer Coverage is available for trailers valued between $500 and $7,500


  • Physical Damage Coverage available for units less than 20 years old.
  • High-performance sleds
  • Transport Trailer Coverage is available for trailers valued between $500 and $7,500

Motor Home and Travel Trailer

  • Class A, B and C rigs, low and high values, older or newer, full-timers, titled in a corporate name, multiple owners, fifth-wheels, older trailers, park models, pop-up campers, stationary travel trailers and more
  • Specialized policies for luxury motor homes
  • Covers personal property and attached accessories
  • Campsite/Vacation Liability coverage is also available

Boat and Personal Watercraft

  • Boats up to 50 feet in length, $500,000 in value, and with maximum speeds up to
    120 mph
  • Good, Better, Best coverage options
  • Packages for Personal Watercraft, Pontoon, Classic and Performance Boats
  • Discounts for Multi-policy, Paid-in-full, Lay-up, Insured Age 55+, Protective Device, Safety Course and more
  • Special features such as Dinghy coverage, Hurricane Haul-out, Hoist & Cradle, coverage in Bahamas waters, and much more

Classic Auto

  • Antiques, modifieds, customs, classics, hot rods, kit cars and more

Foremost Business Insurance

Product availability is based on authority and may not be available in all areas.
  • Business Owners Policies (BOP) for Office, Retail, Service, Wholesales and more! Our BOP programs automatically offer Employment Practices Liability Insurance on most policies and option to add Umbrella coverage.
  • Commercial Auto makes it easy to drive business your way and with easy processing systems all in one spot on
  • Foremost Workers’ Compensation Coverage is focused on total loss cost control and early return to work.


  • Online application submissions and immediate flood quotes
  • Dedicated support Monday - Friday from 8 a.m. - 8 p.m. ET to assist you in writing flood
  • Rates for all companies are set by the Federal government, so it's a level playing field
  • New business and renewal commissions from 15% to 20% based on production