Verdict
A go‑to for specialty property: mobile/manufactured, seasonal, vacant, rental/landlord, and older or non‑standard homes. Backed by Farmers, Foremost typically carries AM Best A (Excellent) and offers endorsements standard insurers may not.
foremost.com

At a Glance
Specialty focus: Mobile/manufactured, seasonal, vacant, landlord (plus standard homes in many markets)
foremost.com
Financial strength: AM Best A (Excellent) (check your issuing entity)
Policygenius
Ownership: Part of Farmers Insurance Group (since 2000)
activitycovered

Pros

Will consider older/unique homes and non‑standard situations

Broad menu of add‑ons (e.g., water backup, equipment breakdown; flood via NFIP partners)
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Backing of a large national group (Farmers)

Cons

Pricing and service levels vary by risk class; not always cheapest for standard homes

Mixed consumer sentiment in some markets (check local agent & NAIC data)

Best For

Manufactured/mobile or specialty dwellings

Landlords/seasonal/vacant properties

Coverage & Endorsements
Standard HO where offered; specialty forms for manufactured/seasonal/vacant; popular add‑ons (water backup, equipment breakdown, replace/extend dwelling).
Policygenius

FAQ

Is Foremost only for mobile homes? No — it also writes standard homes in many areas, but shines with specialty risks.
foremost.com

Sources
foremost.com
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Policygenius
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