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Foremost Landlord Insurance Review

Rating: 8.5 / 10 (Excellent)
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Foremost is a Michigan-based insurance company that focuses in recreational vehicle business, and property insurance. The insurance service provider is also a proud member of Farmers Insurance Group of companies and offers products such as workers compensation, landlord insurance, and business owner’s policy.

Landlord Insurance Coverage by Foremost

  • Actual Cash Value
  • Agreed Loss Settlement
  • Comprehensive Property Coverage
  • Optional Replacement Cost
  • Named Peril Coverage (windstorm, lightning, fire, hail, and explosion damage)
  • Liability Coverage
  • Extended Replacement Cost where landlords will receive an additional 25% of the insured amount to replace their home. However, this option is not available in all states.

Additional Protection Options:

  • Liability limits
  • Loss of rents
  • Other structure
  • Personal Injury
  • Water damage from sewers and drains
  • Repair cost

Types of Properties Foremost Insure

  • Vacation rental homes
  • Vacant homes
  • Homes with minimal cosmetic conditions
  • Duplexes, triplexes, and quads
  • Properties with up to four living units
  • Properties under renovation
  • Fixer-uppers
  • Row homes
  • Converted Victorians
  • Older and lower value homes


Foremost offers comprehensive property insurance which covers unexpected physical losses that are not included in the program. The insurance company also provides agreement on loss settlement that allows landlords to claim an amount of cash if a home is damaged by any sudden event. 

The insurance provider offers protection for damages brought by earthquake, malicious mischief, fire, flood, vandalism, and theft. Foremost also covers insurance for structures such as condominium, single-type house, duplex, triplex and quadruplex.

Foremost provides medical assistance for injuries that occurs within the owner’s premises which has monthly premiums amounting to $49. This company has discounts for insurance holders that acquire multiple policies.  

Foremost offers claim assistance, repair services and umbrella coverage. Umbrella coverage is an insurance policy which provides legal claims and covers future expenses. The company also caters to assist clients through online quotation and payments.

Services and Features

Claim Assistance

Premises Medical Assistance

Repair Services

Umbrella Insurance

Loss Settlement Agreement

Policy Statement

Coverage and Protection

Personal Liability




Malicious Mischief

Dwelling Protection

Fair Rental Income

Comprehensive Property

Legal Fees



Personal Injury


Actual Cash Value

Replacement Costs

Types of Structures Covered:




Single-family Home




Payment and Premiums:

Monthly Premiums


Cost of insuring a house

Not stated

Discounts and Deductibles:


New Renovation Discount

New Customer Discounts

Group Savings Discounts

Help Support and Usability:

Online Quotation

Online Payment

Online Claims

Coverage Calculator




Landlord Insurance at Foremost

Foremost is worth considering because of its broad variety of coverage options and multiple types of properties covered. It also provides good customer support with its claims assistance and repair services. Another advantage is its cash value option which is given to policyholders in the event of a covered loss. It helps in repairing damaged structures and replace an additional 25% of the insured cost.

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Customer Comments & Reviews

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Jackie A
Austin, Texas
The information on this page indicates that Foremost covers "theft/vandalism". IT DOES NOT! We just tried to file a claim and were told that we needed a separate coverage for theft/vandalism. We were never informed that our Landlord policy does not cover theft/vandalism. We didn't know that we needed to ask for it. It is not listed in "Exclusions" either. It is written in a different section of "Perils". Landlord policies are more expensive because of the risk. Theft/vandalism should be included since there are constant periods of vacancy. Terrible coverage and an agent who did not inform me of this. Also, please note that if they did cover it, Foremost only pays 60% of the loss.... Read More

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