Why Foremost Matters for Independent Agents
Foremost Insurance Group has been writing specialty personal lines since 1952. As a Farmers Insurance Group company, they have the financial strength and state licensing breadth to back their specialty products in most markets across the country.
What makes Foremost essential for independent agents is their appetite for the risks that standard carriers routinely decline: mobile and manufactured homes, properties that have been vacant for 30 days or more, rental and investment properties with deferred maintenance, and seasonal properties that sit unoccupied for months at a time. These are real clients with real needs — and without Foremost (or a similar specialty carrier), you cannot serve them.
Specialty Products Available Through IPA
Mobile and Manufactured Home Insurance
Mobile and manufactured homes make up a significant share of housing in many markets, particularly in rural, suburban, and lower-cost-of-living areas. Foremost's manufactured home product is one of the most recognized in the industry:
- Single-wide, double-wide, and triple-wide manufactured homes
- Homes in parks and on private land
- Older homes that standard carriers decline by age
- Replacement cost and actual cash value options
- Liability and additional living expenses included
Vacant and Unoccupied Property
Standard homeowners carriers exclude or severely limit coverage for vacant properties — typically anything unoccupied for 30–60 days or more. Foremost fills this gap with dedicated vacant property coverage for:
- Properties between tenants or under renovation
- Inherited properties in probate or being prepared for sale
- Seasonal properties vacant for extended periods
- Properties with deferred maintenance or in need of repair
Rental and Investment Properties
Standard homeowners policies do not cover rental properties. Landlord policies from standard carriers often have strict condition requirements. Foremost writes rental and investment property coverage for:
- Single-family rental homes
- Small multi-family properties (2–4 units)
- Properties with older systems or deferred maintenance
- Non-owner-occupied properties of all types
RV, Motorcycle, and Watercraft
Foremost also writes recreational vehicle coverage including RVs and motorhomes, motorcycles, and watercraft — rounding out their specialty personal lines offering for clients with complex household coverage needs.
The Case for Specialty Personal Lines
Standard carriers are designed for the median risk. But your market is not composed entirely of median risks. A significant percentage of households have at least one asset — a manufactured home, a rental property, a vacant inherited house — that falls outside standard carrier appetite.
Agents who carry specialty markets like Foremost can write these clients and keep the relationship. Agents without specialty access turn those clients away — or worse, write the standard lines coverage and leave the specialty asset unserved by someone else.
Getting Appointed Through IPA
Foremost works through select distribution channels, and direct appointments can be difficult for newer or smaller agencies. Through IPA, you access Foremost's full specialty portfolio under IPA's master agency relationship — immediate access, no individual appointment delays.
- Immediate access to Foremost mobile home, vacant, and rental products
- All specialty lines available through one IPA relationship
- IPA support for complex specialty placements
- Competitive commission structure
Ready to Add Foremost to Your Specialty Portfolio?
Mobile homes, vacant properties, and rentals are in every market. Let IPA help you serve them. Book a discovery call to learn how IPA specialty carrier access works for your agency.