Owner-Occupied Condominium

Did you know there are more than 700,000 secondary-use condos in the United States, and almost 4.5 million primary-use condos? Foremost can help you insure these customers!


Our base policy provides Comprehensive coverage and Replacement Cost settlement on the Unit Owner’s Building Property (UOBP), and Broad Form perils and ACV settlement for Personal Property.


  • Multi-Policy Discount
  • Central Fire Alarm Discount
  • Burglar Alarm Discount
  • Sprinkler System Discount
  • Age of Condominium Discount (if 15 years old or newer)
  • Affinity Discount
  • Masonry Discount

Optional Endorsements

Your customers can customize their policies with a variety of optional endorsements, including Water Back-Up of Sewers or Drains or Identity Fraud Expense Management. They also have the option to schedule their personal property if they choose.

Loss Settlement Method Options

Our base policy loss settlement method is Replacement Cost for UOBP and Actual Cash Value for Personal Property. Customers can purchase an optional Replacement Cost endorsement for their Personal Property if they choose.

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

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