Coverage Options
We'll insure your tenant-occupied dwelling, other structures and furnishings. Additionally, we offer a landlord package that includes coverage for personal property, loss of rents and landlord liability.

Broad Eligibility
We sell landlord and rental insurance policies. The following types of properties are eligible for our program:

• Multiple location landlord properties (including limited license corporations and corporations)
• Duplexes, triplexes and quads
• Converted Victorians
• Row homes
• Properties with up to four living units
• Older and lower-value homes
• Homes with minimal cosmetic conditions
• Vacant homes
• Properties under renovation
• Fixer-uppers
• Vacation Rental homes – in most states

Property Coverage
The Foremost landlord policy provides property coverage in the event of a loss. Property insurance covers physical loss to your property. While no insurance policy covers everything, your policy should cover a wide range of possible damages or causes of loss. Our landlord policy provides coverage on a comprehensive or named peril basis, including coverage for:

• Fire
• Explosion
• Lightning
• Windstorm*
• Hail damage*

Optional Coverages
We offer important optional coverage that lets you customize you policy. Some coverages may be subject to company approval and may not be available in all states. These are a few of the most popular coverage options:

• Replacement cost coverage on the home
• Liability coverage
• Coverage for theft
• Coverage for vandalism
• Loss of rents
• Landlord Personal Liability Coverage

Coverage for Vacant Property
If you purchase a home to renovate and rent out, or if you're between tenants and the home is temporarily vacant, we have coverage for vacant properties . We offer up to two years of coverage for vacant properties, and your policy can be cancelled at any time with a pro-rated premium return (subject to minimum earned premium).

Coverage for Vacation Rental Properties
We also accept Vacation Rental homes in most states. Vacation Rental is defined as a dwelling which is non-owner-occupied and rented to others for temporary habitational or vacation purposes, not to exceed five consecutive months by one tenant.

Settlement Methods
Your settlement method depends on which Foremost policy you choose and whether or not you purchase any optional endorsements.

• Actual Cash Value. Our base policy has an Actual Cash Value settlement. An ACV settlement is the cost to replace or repair you damaged property, with a deduction to reflect the age and condition of the damaged property.
• Replacement Cost . Our policy with Replacement Cost settlement reflects the cost to repair or replace damaged items with new items at today's prices.
• Agreed Loss Settlement. An Agreed Loss Settlement means that in the case of a covered total loss to the home, your settlement will be the Amount of Insurance listed on your Declarations Page, with no deductible on the coverage for your home, unless stated elsewhere in the policy.
• Extended Replacement Cost. For a covered total loss, if the cost to replace the home is more than the Amount of Insurance, up to an additional 25% of the Amount of Insurance on the home is available.

Foremost. The landlord and rental property insurance specialist.