Standard Home Insurance

For your standard homeowners customers, our Foremost Choice® home program offers package options, additional optional endorsements, and money-saving discounts.


Package Options

Foremost Choice Home is for standard homeowners risks (up to two units), including some hard-to-place risks. There's a package for everyone, from standard, to plus and platinum package options, so your customers can select the level of coverage they want.

Equipment Breakdown/Home Systems Coverage

Provides mechanical breakdown coverage against unexpected repair or replacement costs due to an electrical, mechanical, or pressure systems breakdown. Personal property and home are covered up to $100,000 per occurrence with a $500 deductible.

Home Sharing Endorsement

Provides coverage when the dwelling is occasionally rented to others on a short-term basis through services such as Airbnb or VRBO.

Comprehensive Coverage on Personal Property

Changes the Section I - Insured Perils for Coverage C - Personal Property from named perils to comprehensive coverage for direct and accidental physical loss subject to policy exclusions. Must be a primary home and have personal property coverage of $15,000 or more.

Service Line Coverage

Provides protection from an unexpected loss caused by underground service line failure. Coverage is provided for up to $10,000 per occurrence with a $500 deductible.


  • Multi-Policy
  • Full Pay
  • Affinity
  • Age Of Home
  • Burglar/Central Fire Alarm
  • Claim History
  • Masonry
  • Companion Auto

Not all products, coverages or discounts available in all areas.