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Personal Coverage:

Automobile

Your automobile is more than just a vehicle. Its your baby, your hauler, your personal taxi. With everything you have to do every day, you shouldnt have to worry about having the right insurance policy.

Foremost gets it.
We know we arent the only company selling auto insurance today. Thats why were committed to doing a better job than the competition. It all starts with your policy. Our Auto insurance policy covers the things important to you when youre getting from point A to point B and everywhere in between. And when you need to file a claim, you can rest assured that itll be handled promptly by a team of trained professionals.

Go ahead. Enjoy the drive. Leave the insurance to us.

superior* auto insurance coverage most other companies don't.

Auto Advantage^TM featuresgo beyond basic liability and collision coverage to offer you more complete coverage and benefits, including:

• Deductible Saving Benefit^SM for good drivers¹
• Enhanced rental car damage coverage²
• Full replacement cost for total losses^2,4
• Full replacement cost for major parts²
• Multi-policy discounts
• Safe driver credits, discounts and programs

And if you own a motorcycle, we've got the right coverage for you.³ Ask for more details.

Watercraft Coverage

Your perfect day includes the sunrise, a trolling motor and a rubber worm. You love your boat. You even have a name for her. When you're out on the water, the last thing you want to worry about is whether you have the right insurance policy.

We get it.
That's why a specialized policy specifically for you and your boat. We offer coverage for personal property...you remember, the trolling motor and rubber worm. And we offer coverage for towing and assistance so you'll never be stranded on the water or the side of the road. Even your trailer.

Double check your line, and don't forget the net. Leave the insurance to us

Features and Discounts
A variety of discounts that can save you money on your premium, and there's no limit to the number of discounts you can receive if you qualify. With a Foremost policy, you may be eligible for the following discounts:

• Multi-Unit
• Renewal discount for maintaining continuous coverage
• Boating Safety Course
• Safety Equipment
• Multi-Policy

A Choice of Deductibles and Payment Plans
Higher deductibles can help lower the cost of your premium. Flexible payment plans, including automatic funds transfer, help you keep your monthly budgeting on track. Together they can help you keep your premium payments affordable

Golf carts are a great alternative to get around in particular areas. Just make sure you have the right insurance policy before you take yours out for a cruise.

We get it.
That's why we offer a specialized policy designed for people like you and your golf cart. We offer coverage for optional equipment such as custom paint, aftermarket doors and solar panels.

You focus on the ride. Leave the insurance to us. Coverage Options
we specialize in offering the kind of coverage that gives you real peace of mind. We provide important standard and optional coverages that are geared toward low-speed vehicles, and may not be available in a conventional auto or homeowners policy. We have specialized insurance coverages for a variety of low-speed vehicles, including:

• Golf Carts
• Licensed On-road Neighborhood Electric Vehicles
• Off-road Neighborhood Electric Vehicles

Important Coverages
We can help you protect your investment with important standard and optional off-road vehicle coverages, including:

• Collision coverage
• Other Than Collision coverage
• Liability coverage
• Medical Payments coverage

Optional Coverages
For extra protection, and because not everyone's needs are the same, a Foremost policy offers a variety of options like:

• Increased limits on liability
• Coverage for accessories and optional equipment including towable trailers, solar panels and aftermarket accessories
• Coverage on transport trailers valued up to $7,500

Annual Policies
You can enjoy year-round coverage with no lay-up period, so if there's a beautiful day and you need to get around you can. No extra phone calls, no hassles!

Broad Coverage
Golf carts are a popular alternative to traditional transportation means, and it seems that each week a new model is introduced with its own distinctive appearance and function. a specialized program to cover these vehicles - and give you the important coverages you may not be able to find elsewhere.

Recreational Coverage

Take to the road with your travel trailer and choose your own adventure. Will you drive to camp in the mountains or to take in a sporting event? You know the great outdoors. And with the open-ended possibilities that lie ahead, the right insurance shouldn't be a question.

We get it.
A Foremost Travel Trailer policy covers the things that are most important to you whether youre just starting out with a brief trip, or a veteran full-timer taking all the amenities of home with you. Our specialized insurance program for travel trailers provides the kind of coverage to give you real peace of mind so you can sit back and enjoy your trip.

So focus on your adventure. Leave the insurance to us

Coverage Options
Our policies provide important standard and optional coverages not available in conventional auto policies, or in the stripped down RV policies offered by other companies. A Foremost travel trailer insurance policy, on the other hand, can give you more security and more value for your money.

Coverages Included With Your Policy
Here are some of the travel trailer coverages we offer that aren't included in a typical auto policy:

• Comprehensive Coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches or overhangs, theft and lightning.
• Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.

Optional Coverages
Foremost offers important optional coverages that let you customize your policy. Some coverages may be subject to company approval or may not be available in all states. These are a few of the most popular coverage options:

• Total Loss Replacement Coverage
• that protects your travel trailer from the effects of depreciation. If your new-model travel trailer is destroyed within its first five model years, well pay to replace it with a brand new one of similar kind and quality no matter what it costs. In years six through ten, well give you up to what you paid for it originally toward the purchase of another travel trailer.

  This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value (ACV) of your travel trailer at the time its destroyed. Thats the current value of your travel trailer.

• 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.
• Replacement Cost Coverage on personal belongings that are destroyed or stolen.
• TraveLine Towing and Roadside Assistance eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away. There are no out-of-pocket payments required, either. Just sign and drive. Whats more, your travel trailer and your tow vehicle are covered, regardless of who is driving!
• Full-Timer Coverage provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are on the road, a Foremost Full-Timer policy covers you when you are parked and using your rig as a residence, too.
• The Stationary Travel Trailer Program gives you extensive comprehensive and contents coverage if you use your travel trailer as a seasonal or permanent residence. This includes 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

Motor Home Coverage