Foremost Insurance Group

Foremost Insurance for Specialty Homeowners

If your community participates in the National Flood Insurance Program (NFIP), Flood insurance is available for single family residences, condo owners and associations, renters, mobile and manufactured homes, commercial structures and other residential structures regardless of your flood risk.

Low-to moderate-risk areas
Most buildings and their contents in a low- to moderate-risk areas are eligible for a low-cost Preferred Risk policy. A Preferred Risk policy offers two types of coverage: building and contents combined or contents-only. Rates start as low as $119 a year for homeowners and as low as $39 a year for renters.

If you live in a low- to moderate-risk area and you don't qualify for a Preferred Risk policy due to multiple flood losses on your property, a Standard Risk policy is available.

High-risk areas
Customers in High-risk areas can purchase Standard Risk coverage for the building only, contents only or for both the building and contents.

Coverage limits
Based on the value of your building and its contents, coverage is available up to the following maximum limits of the National Flood Insurance Program:

Type	Building	Contents
Residential Nonresidential (commercial)	$250,000 $500,000	$100,000 $500,000

If you need coverage beyond these amounts, you may be eligible for a separate Excess Flood policy. Ask your Foremost Independent Agent.

What’s covered
Flood insurance policies cover direct physical loss by or from flood to your building and personal property. The following is an overview of items that would be eligible for coverage subject to the coverage purchased. For complete coverage information, please ask your Independent Agent for a sample policy.

Building Property coverage includes:

The building and its foundation

Electrical and plumbing systems

Central air conditioning equipment, furnaces, and water heaters

Refrigerators, stoves and built-in appliances such as dishwashers

Permanently installed carpeting over unfinished flooring

Permanently installed paneling, wallboard, bookcases, and cabinets

Window blinds

Detached garages (up to 10% of Building Property coverage)

Personal Property (contents) coverage includes:

Personal belongings, such as clothing, furniture, and electronic equipment

Curtains

Portable air conditioners

Portable microwave ovens and portable dishwashers

Carpets not permanently installed over unfinished flooring

Washers and dryers

Freezers and the food in them

Certain valuable items such as original artwork and furs (up to $2,500)

Replacement cost coverage is not available for personal property

Other Coverages:

Debris removal at federal minimum wage (not subject to deductible)

Loss avoidance measures ($1,000 limit, no deductible)

Increased Cost of Compliance — flood proofing, relocation, elevation & demolition (subject to limitations and qualifying criteria)

Coverage for basements and property in them is limited regardless of flood risk.
Your Foremost Independent Agent can help you determine your flood risk and type of coverage to purchase.

Get a flood insurance quote from an agent

About the coverages described on this site: Your insurance contract is contained only in your policy, not in this Web site. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Credit is only used by underwriting or rating where allowed by state law. We use credit-based insurance scoring in some cases. *Coverage may not be available in all areas.