Foremost Insurance Group 5800 Foremost Dr S.E. P.O. Box 2450 Grand Rapids, Michigan 49501 Web Site: www.foremost.com

Foremost Insurance Company began doing business on June 12, 1952. They insure one out of every five Mobile Homes in the United States. Foremost is rated A+ (Superior) by A.M. Best & Co., an independent firm that rates insurance companies. Today, Foremost has over 1,600 employees across the country. This includes people who work in their home office, regional claim offices, regional agencies and their field marketing and claims staff.

Coverages Include:

Mobile Home policy

A Foremost policy provides you with comprehensive coverage that protects your investment in your home, property and other structures against a variety of accidental causes of physical damage. That means the property you insure is covered unless a peril (the event that causes damage) is listed as excluded in your policy.

• Fire
• Vandalism
• Landslide
• Falling Objects
• Explosion
• Off Right-of-Way Collision
• Attempted or Actual Burglary or Robbery
• Water Damage from Bursting Pipes
• Damage from Ink, Paint, Dye, Shoe and Nail Polish
• Damage by Wild or Stray Animals
• Damage caused by Faulty Blocks or Jacks
• Collapse from the weight of ice and snow

• Additional Living Expenses
• Trees, Shrubs, Plants and Lawns
• Removal of Debris, of Your Insured Property, After a Covered Loss
• Emergency Removal Service
• Credit Card and Check Forgery
• Emergency Repairs After a Loss
• Fire Department Service
• Food Spoilage Coverage

• Trip Coverage When Moving Your Home
• Personal Liability Coverage on Additional Residences
• Scheduled Personal Property Coverage
• Earthquake
• Replacement Cost Coverage for your Home, Other Structures and your Personal Belongings
• Liability Coverage

Motor Home Insurance

A specialized policy means you're covered whether you’re just starting out with a brief trip, or a veteran full-timer pulling all the amenities of home behind you. Foremost can help you protect your investment in your motor home and the RV lifestyle. Foremost's policies provide important standard and optional coverages not available in conventional auto policies, or in the stripped down RV policies offered by other companies.

• Comprehensive Coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, floods, landslides, hail, windstorms, animals, vandalism, low branches or overhangs, theft and lightning.
• Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.
• Tow dolly/hitch coverage for these critical connections.
• Emergency expenses coverage that pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.
• Campsite/vacation liability coverage that provides liability coverage when you are parked and using your motor home as a residence.

• Total Loss Replacement Coverage that protects your motor home from the effects of depreciation. If your new-model motor home is destroyed within its first five model years, and you’re the original owner, they’ll pay to replace it with a brand new one of similar kind and quality – no matter what it costs (as long as you replace the motor home and maintain coverage limits equal to your original purchase price)! In years six through ten, they’ll give you up to what you paid for it originally toward the purchase of another motor home.
• Replacement Cost Coverage on personal belongings that are destroyed or stolen.
• TraveLine® Towing and Roadside Assistance that eliminates the hassle of buying a separate towing plan. Available 24 hours a day, 365 days a year everywhere in the United States and Canada, towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away. An experienced TraveLine® representative will find you the help you need using a vast network of more than 20,000 authorized service providers and qualified repair facilities. There are no out-of-pocket payments required, either. Just sign and drive. What’s more, your motor home is covered regardless of who is driving!
• Full-Timer Coverage that provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are using your RV as a vehicle, a Foremost full-timer policy covers you when you are parked and using your rig as a residence, too.

Travel Trailer Insurance

A specialized policy means you're covered whether you’re just starting out with a brief trip, or a veteran full-timer pulling all the amenities of home behind you. Foremost can help you protect your investment in your travel trailer and the RV lifestyle. Foremost's policies provide important standard and optional coverages not available in conventional auto policies, or in the stripped down RV policies offered by other companies.

• Comprehensive Coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, floods, landslides, hail, windstorms, animals, vandalism, low branches or overhangs, theft and lightning.
• Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.
• Tow dolly/hitch coverage for these critical connections.
• Emergency expenses coverage that pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.
• Campsite/vacation liability coverage that provides liability coverage when you are parked and using your travel trailer as a residence.

• Total Loss Replacement Coverage that protects your motor home from the effects of depreciation. If your new-model travel trailer is destroyed within its first five model years, and you’re the original owner, they’ll pay to replace it with a brand new one of similar kind and quality – no matter what it costs (as long as you replace the travel trailer and maintain coverage limits equal to your original purchase price)! In years six through ten, they’ll give you up to what you paid for it originally toward the purchase of another travel trailer.
• Replacement Cost Coverage on personal belongings that are destroyed or stolen.
• TraveLine® Towing and Roadside Assistance that eliminates the hassle of buying a separate towing plan. Available 24 hours a day, 365 days a year everywhere in the United States and Canada, towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away. An experienced TraveLine® representative will find you the help you need using a vast network of more than 20,000 authorized service providers and qualified repair facilities. There are no out-of-pocket payments required, either. Just sign and drive. What’s more, your travel trailer is covered regardless of who is driving!
• Full-Timer Coverage that provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are using your RV as a vehicle, a Foremost full-timer policy covers you when you are parked and using your travel trailer as a residence, too.

Fifth Wheel

A specialized policy means you're covered whether you’re just starting out with a brief trip, or a veteran full-timer pulling all the amenities of home behind you. Foremost can help you protect your investment in your fifth wheel and the RV lifestyle. Foremost's policies provide important standard and optional coverages not available in conventional auto policies, or in the stripped down RV policies offered by other companies.

• Comprehensive Coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, floods, landslides, hail, windstorms, animals, vandalism, low branches or overhangs, theft and lightning.
• Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.
• Tow dolly/hitch coverage for these critical connections.
• Emergency expenses coverage that pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.
• Campsite/vacation liability coverage that provides liability coverage when you are parked and using your fifth wheel as a residence.

• Total Loss Replacement Coverage that protects your fifth wheel from the effects of depreciation. If your new-model fifth wheel is destroyed within its first five model years, and you’re the original owner, they’ll pay to replace it with a brand new one of similar kind and quality – no matter what it costs (as long as you replace the fifth wheel and maintain coverage limits equal to your original purchase price)! In years six through ten, they’ll give you up to what you paid for it originally toward the purchase of another fifth wheel.
• Replacement Cost Coverage on personal belongings that are destroyed or stolen.
• TraveLine® Towing and Roadside Assistance that eliminates the hassle of buying a separate towing plan. Available 24 hours a day, 365 days a year everywhere in the United States and Canada, towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away. An experienced TraveLine® representative will find you the help you need using a vast network of more than 20,000 authorized service providers and qualified repair facilities. There are no out-of-pocket payments required, either. Just sign and drive. What’s more, your fifth wheel is covered regardless of who is driving!
• Full-Timer Coverage that provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are using your RV as a vehicle, a Foremost full-timer policy covers you when you are parked and using your fifth wheel as a residence, too.
• A Special Program for Stationary fifth-wheels that gives you extensive comprehensive and contents coverage if you use your fifth-wheel as a seasonal or permanent residence. This includes vacation liability coverage that covers liability, medical payments to others, and property damage claims caused by an accident for which you are held liable. This program provides you with additional protection since your auto or homeowners policies may not extend coverage to you.

Luxury Motor Coach

If you own a luxury motor coach that's eligible, Foremost offers you a special way to get insurance.

• Personalized, high-level, expert attention from people who develop Foremost's recreational vehicle insurance products.
• A rate and coverage package that reflects the way you use your luxury motor coach.
• If you have a claim, dedicated attention from a staff member who works one-on-one with coach owners like you.

• Your luxury motor coach
• Who did the conversion
• How you use it
• How much you use it
• How you store it
• Where you store it
• Your driving record
• Your previous claim experience (if any)
• Your personal property

You'll get expert service from a dedicated member of their claim staff who is experienced in handling luxury motor coach claims.

To help you get the right kind of high-quality repairs, Foremost has identified repairers throughout the country that work on luxury motor coaches. If you choose one of these qualified facilities, they will guarantee their workmanship as long as you own your coach - a guarantee Foremost backs 100 percent if you need the repairs because you have a loss covered by the policy.

Many homes don't qualify for "standard" or "preferred" homeowners insurance for a variety of reasons. Some homes are basically solid homes that just don't qualify for standard homeowners insurance, because they are older, have lower-value, or minor problems like chipping paint. It could even be a seasonal home or a house under renovation

• Older homes
• Lower-value homes
• Landlord properties (up to four living units)
• Homes with minor cosmetic problems
• Homes with a market value below replacement cost
• Seasonal homes
• Homes under renovation
• Vacant homes
• Customers with credit issues or a history of recent insurance losses
• And more!

Specialty Landlord

Landlords know it isn't always easy to find reasonably priced insurance that covers one-to-four family rental properties, especially if those properties are older, vacant or lower-valued homes. That's why thousands of landlords depend on Foremost BASICS.

With BASICS, you'll get solid coverage in a highly flexible package, allowing you to pick and choose many policy features and coverages to meet your needs. You don't have to settle for a "one-size-fits-all" policy. For example, you may want additional coverage for some of the following perils:

• Landlord liability
• Loss of rents
• Theft
• Earthquake
• Vandalism
• And more!

Motorcycle

Foremost Motorcycle policies provide important standard and optional coverages that are geared toward motorcycles, and may not be available in a conventional auto policy.

• Specialized Coverage
• Collision
• Other than Collision Coverage
• Liability Coverage
• Medical Payments Coverage
• Annual policies
• Enjoy year-round coverage with no lay-up period, so if there's a beautiful winter day when the road is calling to you, rest assured that you're covered. No extra phone calls, no hassles!
• Towing and Roadside Assistance and Trip Interruption Coverage
• If your bike breaks down and can't be ridden, help is just a toll-free phone call away. A provider will be sent to the scene with the proper equipment to service your bike. When more than 100 miles away from home, Foremost will pay up to $500 for lodging, meals, and transportation costs when your bike is disabled ($600 in VA).
• Safety Apparel Coverage
• Provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and leathers.
• Optional Equipment Coverage
• Provides $3,500 of coverage for accesories such as any trailers or any parts, decorations, custom painting, chroming, side cars or other items that were not originally provided by the manufacturer as standard equipment (requires purchase of Other Than Collision Coverage).
  Up to $7,500 of coverage may be purchased.
• Replacement Cost total Loss Settlement
• If the motorcycle is purchased new from a dealer and is insured within 30 days. If the motorcycle is a total loss within the first 24 months we will replace the motorcycle with a new, comparably equipped motorcycle (some exclusions apply).
• Transport Trailer Coverage
• Provides coverage for trailers used to transport your motorcycle. Transport Trailers valued from $500 to $7,500 are eligible for coverage.
• Money-Saving Discounts including:
• Multi-Unit discounts of up to 40%
• Multi-Policy discounts
• Mature driver discount
• Discount for a good driving record (no accidents or violations)
• Safety course discount
• Discount for prior Motorcycle insurance
• Affinity group discount
• Renewal Discount
• Anti-Lock Brake Discount
Note: Not all discounts available in all states.
• Broad Coverage
• You can get Foremost coverage for a wide range of cycles including touring bikes, sport bikes, cruisers, trike conversions, as well as custom and classic motorcycles.
• A Choice of Deductibles and Payment Plans
• Higher deductibles can help lower the cost of your premium. Flexible payment plans help you keep your monthly budgeting on track. Together they can help you keep your premium payments affordable.

Off-Road Vehicle

Foremost policies provide important standard and optional coverages that are geared toward off-road vehicles, and may not be available in a conventional auto policy.

• Specialized Coverage
• Collision
• Other than Collision Coverage
• Liability Coverage
• Medical Payments Coverage
• Annual policies
• You can enjoy year-round coverage with no lay-up period, so if there's a beautiful day when the trail is calling to you, rest assured that you're covered. No extra phone calls, no hassles!
• Safety Apparel Coverage
• Provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.
• Optional Equipment Coverage
• Provides $500 of coverage for accesories such as towed trailers, winches, towables or sleds designed to be pulled by a snowmobile or ATV (requires purchase of Other Than Collision Coverage).
  Up to $7,500 of coverage may be purchased.
  
  Note: Optional Equipment is not available for Dune Buggies and Golf Carts.
• Money-Saving Discounts including:
• Multi-Unit discount
• Multi-Policy discount
• Safety course discount
• Discount for prior off-road vehicle insurance
Note: Not all discounts available in all states.
• Broad Coverage
• You can get Foremost coverage for a wide range of off-road vehicles including snowmobiles, dirt bikes, dune buggies, golf carts, as well as Regular, Sport and Utility ATV's.
• Transport Trailer Coverage
• Provides coverage for trailers used to transport your off-road vehicle. Transport Trailers valued from $500 to $7,500 are eligible for coverage.
• A Choice of Deductibles and Payment Plans
• Higher deductibles can help lower the cost of your premium. Flexible payment plans help you keep your monthly budgeting on track. Together they can help you keep your premium payments affordable.

Foremost policies provide important standard and optional coverages that are geared toward off-road vehicles, and may not be available in a conventional auto policy.

• Specialized Coverage
• Collision
• Other than Collision Coverage
• Liability Coverage
• Medical Payments Coverage
• Annual policies
• You can enjoy year-round coverage with no lay-up period, so if there's a beautiful day when the trail is calling to you, rest assured that you're covered. No extra phone calls, no hassles!
• Safety Apparel Coverage
• Provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.
• Optional Equipment Coverage
• Provides $500 of coverage for accesories such as towed trailers, winches, towables or sleds designed to be pulled by a snowmobile or ATV (requires purchase of Other Than Collision Coverage).
  Up to $7,500 of coverage may be purchased.
  Note: Optional Equipment is not available for Dune Buggies and Golf Carts.
• Money-Saving Discounts including:
• Multi-Unit discount
• Multi-Policy discounts
• Safety course discount
• Discount for prior off-road vehicle insurance
Note: Not all discounts available in all states.
• Broad Coverage
• You can get Foremost coverage for a wide range of off-road vehicles including snowmobiles, dirt bikes, dune buggies, golf carts, as well as Regular, Sport and Utility ATV's.
• Transport Trailer Coverage
• Provides coverage for trailers used to transport your off-road vehicle. Transport Trailers valued from $500 to $7,500 are eligible for coverage.
• A Choice of Deductibles and Payment Plans
• Higher deductibles can help lower the cost of your premium. Flexible payment plans help you keep your monthly budgeting on track. Together they can help you keep your premium payments affordable.