Foremost Insurance Group is expanding its dwelling fire program in South Dakota. Foremost is targeting standard and preferred landlord and rental property customers with new, larger discounts.

Some of the changes to the dwelling fire program include:

• Financial responsibility scores are being used as a rating parameter for landlord business (new business only) with a discount of up to 20 percent.
• Owners with another personal lines or qualifying life policy with Foremost, Farmers, Bristol West or 21st Century may qualify for a 5 percent discount.
• Owners with more than one rental or vacant property insured with Foremost may qualify for a discount of up to 10 percent.
• Owners using a property management company may receive a discount.
• Landlord association members may receive a discount.

Foremost is also broadening its underwriting and accepts the following:

• Homes with open foundations
• Customers who have had a lapse in coverage
• Customers with up to five losses
• Multiple dwellings on premises
• Vacation rental properties