Standard Home Insurance

For Your Standard Homeowners Customers, Our Foremost Choice^® Home Program Offers Package Options, Additional Optional Endorsements, And Money-Saving Discounts.

Highlights

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.