What Foremost Insurance does

Foremost Insurance Company is a specialty property and casualty insurance carrier founded in 1952, operating as a subsidiary of Farmers Insurance Group (itself a wholly owned entity of Zurich Financial Services Group). The company underwrites and distributes customizable insurance products spanning property (mobile/manufactured homes, homeowners, vacant, seasonal, landlord, renters, condominium, and flood), personal and commercial auto (under Foremost and Bristol West brands), recreational vehicles (motor homes, travel trailers, fifth wheels, luxury motor coaches), powersports (motorcycles, scooters, ATVs/UTVs, snowmobiles, golf carts), marine (boats and personal watercraft), and collectible auto via J.C. Taylor partnership. Foremost pioneered mobile home insurance in 1952 and has maintained category leadership in non-standard and recreational specialty lines, offering flexible underwriting for risks typically declined by standard carriers, including older homes, properties with unique risk factors, vacant dwellings, and specialized recreational vehicles.

The company's technology stack consists of an insurance policy administration system with a customer portal (MyForemostAccount.com), a mobile application rated 4.5/5 on Google Play, and a digital claims filing platform. Operational differentiators include Mobile Claims Centers deployed to catastrophe areas, Claims Learning Labs with virtual reality training setups, and a 24/7 claims service supported by over 2,400 trained claims professionals who handled 60,000+ catastrophe claims in 2023. The company maintains A.M. Best A (Excellent) financial strength rating and operates through multiple carrier entities including Foremost Insurance Company, Foremost Property and Casualty, Foremost Signature, Foremost Lloyds of Texas, Foremost County Mutual, and the acquired Bristol West entities.

Revenue is generated through recurring annual insurance premiums across 20+ product lines, with pricing varying by state, coverage selected, risk factors, and applicant characteristics. Distribution relies on a network of 38,000+ independent insurance agents across all 50 states and Washington D.C., supplemented by direct online quoting, affinity partnerships (AARP endorsement since 1989 for mobile homes and 2004 for motorcycles; USAA program), the J.C. Taylor collectible auto partnership, and a self-service customer portal. The company maintains flexible underwriting accommodating non-standard risks such as homes with trampolines, pools, dogs, and properties with credit or loss history issues, with multi-policy bundling discounts driving cross-sell across home, auto, and recreational lines.

Name

Foremost Insurance

Legal name

Foremost Insurance Company

Website

https://foremost.com

Company type

Private

Founded year

1952

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Foremost Insurance, founded in 1952 and owned by Farmers Insurance Group (Zurich Financial Services), is a specialty property and casualty carrier underwriting non-standard home, auto, recreational vehicle, marine, and powersports insurance through 38,000+ independent agents across all 50 states.

Ownership category

akta.pro rank

Product category

Specialty Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Commercial Auto & Fleet Insurance (FSAJAMAB), Travel & Accident (Non-Life) Insurance (FSAJAMAN), Specialty & Excess/Surplus Lines (E&S) (FSAJAMAH)

Keywords

• Specialty property insurance
• Mobile home insurance
• Recreational vehicle insurance
• Personal auto insurance
• Independent agent distribution

Headquarters

HQ city

Caledonia

HQ country

United States

HQ region

North America

Offices11 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Property Insurance Premiums: Recurring insurance premiums from property coverage including mobile homes, homes, vacant homes, seasonal homes, landlord properties, renters, and condominiums. Policies are typically annual with flexible payment options.
2. Vehicle Insurance Premiums: Recurring insurance premiums from vehicle coverage including auto, collectible auto, commercial auto, boat, motorcycle, scooter, ATV/UTV, snowmobile, golf cart, RV, travel trailer, fifth wheel, and luxury motor coach.
3. Flood Insurance Premiums: National Flood Insurance Program (NFIP) policies underwritten through FEMA for flood coverage, offered as part of comprehensive property insurance solutions.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Foremost Insurance underwrites and distributes specialty property and casualty insurance products, including mobile home, homeowners, vacant, seasonal, landlord, renters, condo, and flood coverage, plus personal and commercial auto, collectible auto, motorcycles, scooters, ATVs/UTVs, snowmobiles, golf carts, RVs/motor homes, travel trailers, fifth-wheels, luxury motor coaches, and boats/personal watercraft. The company primarily serves customers with non-standard or specialty risks through a network of 38,000+ independent insurance agents, with additional direct online quoting and a self-service customer portal/mobile app.

Product overview

Foremost Insurance is a specialty insurance company, part of the Farmers Insurance Group of Companies, offering a broad portfolio of customizable insurance products across property, auto, recreational vehicle, and marine lines. Founded in 1952, it pioneered mobile home insurance and has grown into a multi-line carrier offering 20+ distinct product lines. The portfolio spans: property insurance (mobile home, standard homeowners, vacant home, seasonal home, landlord, renters, condo, and flood insurance); personal and commercial auto insurance (under both Foremost and Bristol West brands); collectible auto (via J.C. Taylor partnership); recreational vehicle insurance (motor homes/RVs, travel trailers, fifth-wheels, luxury motor coaches); powersports (motorcycles, scooters, ATVs/UTVs, snowmobiles, golf carts); and marine insurance (boats and personal watercraft). Specialized programs include AARP-endorsed offerings for mobile home and motorcycle policyholders aged 50+. Coverage is distributed through more than 38,000 independent agents nationwide and is underwritten by multiple carriers within the Foremost and Farmers groups, each with A.M. Best A (Excellent) financial strength ratings.

Differentiator

Problem solved

Functional benefit

Brands

• Foremost Choice: Property and casualty insurance brand offering home insurance products including standard homeowners coverage.
• Foremost Signature
• Bristol West
• J.C. Taylor

Products and services

• Mobile Home Insurance Property and liability insurance for mobile, manufactured, park model, modular, rental, and vacant mobile homes of any age, model, make, or value. Includes comprehensive property, liability, agreed loss settlement, optional replacement cost, additional living expenses, debris removal, emergency repair, ID fraud, fire department service, food spoilage, and optional earthquake and trip coverage.
• Homeowners Insurance Flexible homeowners insurance for primary residences, seasonal and secondary homes, newer high-value homes, and older homes that may not qualify for standard or preferred insurance. Offers replacement cost, extended replacement cost (up to 50% additional), guaranteed rebuild, and named peril or actual cash value settlement options.
• Vacant Home Insurance Insurance for unoccupied site-built and mobile dwellings, including homes for sale, between-tenancy rentals, inherited properties, and homes in estate or LLC names. Includes named peril, vandalism, malicious mischief, replacement cost, comprehensive property, agreed loss settlement, and customizable policies renewable without long-term commitments.
• Seasonal Home Insurance Insurance for second homes and vacation properties that are not standard. Offers comprehensive coverage, actual cash value, agreed loss settlement, named peril, liability, and optional replacement cost coverage, with optional add-ons including extended replacement cost, personal property replacement cost, jewelry coverage, and high liability limits.
• Landlord Insurance Flexible landlord insurance for one-to-four-family dwellings rented to others, including vacation and short-term rentals. Includes named peril, comprehensive, replacement cost, agreed loss settlement, and liability coverage, with optional loss of rents, landlord personal injury, other structures, equipment breakdown, and extended replacement cost. Offers Landlord and Landlord Platinum policy packages.
• Renters Insurance Tenants insurance for traditional site-built dwellings, condos, and apartments. Covers personal property against common causes of loss, liability, additional living expenses, and offers optional replacement cost coverage on personal property and optional comprehensive coverage. Bundles with auto for a multi-policy discount.
• Owner-Occupied Condominium Insurance HO-6 condo insurance covering what the condo association master policy does not, including personal belongings, liability costs, and the dwelling itself. Includes loss assessment coverage, personal property, additional living expenses, and liability, with optional comprehensive coverage, replacement cost, water backup, and identity fraud expense management.
• Vacant and Landlord Condominium Insurance Condo insurance for landlords renting to others and for vacant condos between tenants. Includes optional loss of rents coverage and offers Foremost landlord package, Foremost landlord platinum package, or custom policy options. Policies can switch between vacant and rental usage types without cancellation and rewrite.
• Flood Insurance Flood insurance underwritten by the National Flood Insurance Program (NFIP), a component of FEMA. Covers direct physical loss by flooding to building and personal property, including structure, foundation, electrical, plumbing, HVAC, appliances, and contents. Available through nearly 23,000 participating NFIP communities.
• Personal Auto Insurance Auto insurance policies underwritten by Foremost and Bristol West brands for individuals and families. Includes uninsured/underinsured motorists, rental reimbursement, towing and roadside service, bodily injury and property damage, medical payments, loan/lease gap, new vehicle replacement, rideshare coverage, and diminishing deductible. Multi-policy discounts available when bundled with home, renters, or condominium policies.
• Collectible Auto Insurance Collector car insurance processed by J.C. Taylor for classics, antiques, woodies, muscle cars, foreign and American sports cars, modified autos, exotics, kit cars, replicars, hot rods/street rods, light trucks, farm tractors, and military vehicles. Features include agreed value settlement, towing and roadside assistance, annual policies, and no attendance requirement at car shows.
• Commercial Auto Insurance Commercial auto insurance offered by Bristol West for small business owners with nine or fewer commercial vehicles. Covers passenger cars, SUVs, pickups, vans, small specialty trucks, and trailers up to 33,000 lbs, and accepts over 1,500 business descriptions including contractors, landscapers, retail, services, and food services.
• Boat and Personal Watercraft Insurance Marine insurance covering nearly any type of watercraft including bass boats, fishing boats, performance boats, runabouts, sailboats, classics, cruisers, and pontoons. Saver, Plus, and Elite marine package options available. Coverages include watercraft physical damage, trailer coverage, personal liability, uninsured watercraft, medical payments, personal property, and emergency labor/towing.
• Motorcycle Insurance Motorcycle insurance covering cruisers, dirt bikes, sport bikes, trikes, classics, electric motorcycles, scooters, and more. Package tiers include Saver, Plus, Elite, Vintage, Vintage Elite, Custom, Custom Elite, Low-Speed, Low-Speed Elite, and Liability Only. Features include replacement cost total loss settlement, transport trailer coverage, helmets and safety apparel coverage, and optional equipment coverage up to $30,000.
• Scooter Insurance Scooter and moped insurance written through the motorcycle program. Coverages include annual policies, liability, collision coverage, medical payments coverage, increased limits on liability, and other than collision coverage for fire, theft, flood, or vandalism. Discounts available for multi-vehicle policies and locked storage.
• ATV and UTV Insurance Off-road vehicle insurance covering all-terrain vehicles, utility-terrain vehicles, four-wheelers, quad bikes, side-by-sides, dirt bikes, dune buggies, golf carts, and snowmobiles. Coverages include safety apparel coverage ($1,500), medical payments, collision, optional equipment (starting at $500), liability, other than collision, and transport trailer coverage up to $10,000.
• Snowmobile Insurance Snowmobile insurance with annual policies covering vehicles year-round including off-season. Coverages include liability, collision, medical payments, and optional transport trailer and optional equipment coverage. Discounts for multi-vehicle and prior insurance.
• Golf Cart Insurance Golf cart insurance for both on-road and off-road usage. Coverages include annual policies, liability, collision, medical payments, and other than collision for fire, theft, flood, or vandalism. Elite package includes permissive use rental coverage and $2,000 replacement cost personal effects coverage.
• RV and Motor Home Insurance RV and motor home insurance covering Class A, B, and C motor homes, luxury motor coaches, travel trailers, fifth-wheels, and campers. Coverages include roadside assistance, optional total loss settlement for new unit replacement, vacation liability, personal property replacement cost, emergency expenses, and other than collision. Also covers permanently attached structures like awnings, satellite dishes, and TV antennas.
• Travel Trailer Insurance Travel trailer insurance covering travel trailers, fifth-wheels, campers, utility trailers, car and animal hauler trailers, and tiny houses. Coverages include roadside assistance for trailer and tow vehicle, vacation liability, optional total loss settlement, personal property replacement cost, emergency expense, and standard other than collision for fire, theft, flood, hail, windstorm, earthquake, and vandalism.
• Fifth Wheel Insurance Fifth wheel insurance written in the travel trailer program. Other than collision coverage includes missiles, falling objects, fire, theft, explosion, earthquake, windstorm, hail, water, flood, mischief, vandalism, riot, and animal collision. Includes personal belongings replacement cost. Stationary fifth wheel coverage available without collision, towing, and emergency expense.
• Luxury Motor Coach Insurance Luxury motor coach insurance written in the motor home program, covering Class A motor homes and custom conversion vehicles with high-end executive amenities. Coverages include towing and roadside assistance 24/7/365, with rates determined by driver age, driving record, ownership experience, unit age, length, and value.

Quantifiable outcome

• 60,000+ catastrophe claims handled in 2023
• +2 more outcomes

Named customers4 records

Segments10 records

Ideal customer profiles10 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• AARPcoreChannel Partner/ Reseller/ Distributor · 1 January 1989AARP officially endorsed Foremost to offer mobile home insurance to AARP members in 1989. In 2004, the endorsement expanded to include motorcycle insurance. The program became available in all states except Hawaii. Foremost created special insurance programs for AARP members who own mobile homes and/or motorcycles.
• J.C. TaylorcoreChannel Partner/ Reseller/ DistributorJ.C. Taylor has been involved with the antique and classic automobile industry since the 1950s. Since 2005, J.C. Taylor processes and handles underwriting for Foremost's antique and modified auto customers, while Foremost handles certain operations and claims functions. The partnership provides collectible auto insurance for classics, antiques, modified vehicles, woodies, muscle cars, and exotic cars.
• Bristol WestcoreStrategic or Co-development PartnerBristol West became a member of the Farmers Insurance Group in 2007, enabling Foremost to launch an automobile product in the market. Bristol West has provided quality automobile insurance coverage since 1973. Bristol West launched a commercial auto product in 2019 geared toward small business owners with nine or fewer vehicles.
• ServiceMaster RestoreminorStrategic or Co-development PartnerServiceMaster Restore is an industry leader in restoration procedures and technology, on call 24/7, 365 days a year. They offer restoration services for fire, smoke and water damage (with certification in Applied Structural Drying) for Foremost customers experiencing fire or water damage.
• USAAminorChannel Partner/ Reseller/ DistributorForemost offers a USAA program providing insurance products to USAA members, in addition to the AARP program.
• FEMA/NFIPcoreStrategic or Co-development PartnerFlood insurance policies offered by Foremost are underwritten by the National Flood Insurance Program (NFIP), a component of the Federal Emergency Management Agency (FEMA). Foremost serves as a distribution channel for NFIP flood insurance, providing personal agent service for flood coverage.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Progressive: One of the largest U.S. P&C insurers with significant presence in non-standard auto, motorcycle, and RV/powersports lines through brands like Progressive Specialty. Comparable to Foremost in offering multi-line personal insurance across specialty and standard segments.
• GEICO: Major U.S. personal-lines carrier with motorcycle and collector-vehicle offerings via GEICO Insurance Agency. Comparable to Foremost in personal auto scale and in serving non-standard and specialty vehicle buyers, though primarily direct-to-consumer.
• Allstate: Diversified personal-lines P&C insurer that acquired National General in 2021 to expand non-standard auto. Comparable to Foremost as a multi-line carrier, and is a direct competitor through its National General brand in the non-standard and Bristol West–style segments.
• Liberty Mutual: Diversified P&C insurer with personal-lines, specialty, and recreational-vehicle offerings. Comparable to Foremost as a broad-line incumbent with specialty capabilities in mobile/manufactured-home adjacent property and powersports products.

Direct peers

• Markel: Specialty insurer with strong recreational-vehicle (motorcycle, ATV, snowmobile, marine) and personal-lines programs. Comparable to Foremost as a specialty carrier serving powersports, collector vehicles, and non-standard property risks through independent-agent distribution.
• American Modern Insurance Group: Specialty carrier (Munich Re subsidiary) underwriting manufactured/mobile homes, vacant dwellings, landlord, and seasonal properties. Directly comparable to Foremost's core property book — both target non-standard and specialty dwellings underserved by standard carriers.
• Dairyland Insurance: Specialty auto insurer focused on non-standard auto, motorcycle, ATV, and snowmobile coverage. Comparable to Foremost's Bristol West and motorcycle lines in serving higher-risk personal-vehicle buyers through independent-agent channels.
• Hagerty: Leading collector-car insurance specialist offering agreed-value classic, antique, and modified auto coverage. Comparable to Foremost's J.C. Taylor collectible-auto program in serving enthusiasts with specialty agreed-value classic vehicle insurance.
• National General Insurance: Non-standard and specialty personal-lines carrier (now Allstate-owned) writing auto, motorcycle, RV and landlord coverage. Directly comparable to Foremost's specialty auto and property portfolio, particularly Bristol West for non-standard drivers.

Emerging players

• Good Sam Insurance: Specialty RV and travel-trailer insurance program underwritten for the Good Sam Club membership. Comparable to Foremost's RV, motor-home, and travel-trailer programs as a niche specialty vehicle carrier serving enthusiast affinity members.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/foremost
• YouTubeyoutube.com/user/foremostinsurance
• Facebookfacebook.com/foremostinsurance
• LinkedInlinkedin.com/company/foremost-insurance
• Instagraminstagram.com/foremostinsurance

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Foremost Insurance