Foremost Insurance Group

Effective July 1, Foremost introduced new Dwelling Fire policies and endorsements specifically designed for the unique needs of landlord, owner-occupied or vacant properties. All new business will be written on the new Dwelling Fire One or Dwelling Fire Three policies, while current customers will be moved into the new program at renewal.

With Foremost's broadened underwriting, the company now accepts in Nevada and Oregon:

• Vacation rental properties
• Homes with open foundations
• Customers with up to five losses

• Homes up to (Nev.: 9 years) (Ore.: 16) old may qualify for an Age-of-Home discount, up to (Nev.: 20%) (Ore.: 25%).
• The Superior Financial Responsibility discount has increased to (Nev.: 20%) (Ore.: 30%).
• In Nevada, insurance scores for landlord risks are used and a discount of up to 20% is available.
• In Nevada and Oregon, owners with another Foremost, Farmers, Bristol West or Zurich policy may qualify for a discount.
• In Nevada and Oregon, owners without prior claims may receive a discount.
• In Nevada, new discounts for professional landlords using a property management company, who belong to a landlord association, conduct tenant screening or have multiple properties insured with Foremost are now available.

In California, some of the changes to the Dwelling Fire program include:

• Personal Injury coverage is now available.
• $1 million Liability limits are now available.
• Repair Cost Endorsement, which provides a repair cost settlement on Coverage A partial losses, is now available.
• Theft coverage is available up to $5,000 in increments of $1,000.
• Owners with another Foremost, Farmers, Bristol West or Zurich policy may qualify for a discount.