Landlord and Rental Property

Rental and Vacant risks make up almost 44% of the housing market - that’s 53 million potential customers! Foremost is the Landlord and Rental Property Insurance Specialist® and we’ve built our program with your customers in mind.


We don’t force your customers into a one-size-fits-all solution. Our base policy is Coverage A – Dwelling. Your customers can choose from two packages: our Landlord Package, or our Landlord Platinum Package, or they can customize their own policy by adding coverages and endorsements.


Our program accepts all kinds of Landlords – whether they own one home they rent out, or if they’re a professional Landlord who owns multiple properties. We have no restrictions based solely on the age of the home, and we accept dwellings valued from $5,000 to $1,000,000 in most states.

Settlement Method Options

Our base policy includes an Agreed Loss Settlement provision for a covered total loss in most states, and an Actual Cash Value settlement on a partial loss. Customers can also select Replacement Cost, Extended Replacement Cost or Repair Cost, depending on policy type.

You can easily endorse a policy between Vacant and Rental usage types in most states!


  • Use Tenant Screening such as SmartMove – credit history, criminal background, eviction, skip search.
  • Have more than one property insured with Foremost
  • Member of a Landlord Association
  • Use a Property Management Company
  • Have a strong credit-based insurance score
  • Claims Free
  • Newer Home

Not all products, coverages or discounts available in all areas.

Get Marketing Materials

Book Specialty Business

Find Your Marketing Rep

For forms, blank applications and program guides, log in to and click on Supply Source.

Property product availability by state