Foremost Insurance Group expands program in Montana

Foremost Insurance Group has expanded its Dwelling Fire program in Montana. Foremost has introduced new Dwelling Fire policies and endorsements specifically designed for the needs of landlord, owner-occupied or vacant properties. All new business will be written on 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:

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

Some of the changes to the Dwelling Fire program include:

• Overall rates are decreased on average by 15% for Dwelling Fire Three policies and 5% for Dwelling Fire One policies.
• Credit is being used as a rating parameter for landlord business with a discount of up to 10% for superior financial responsibility.
• Homes up to 15 years old may qualify for an Age-of-Home discount up to 25%.
• Owners with another Foremost, Bristol West or Zurich policy may qualify for a discount.
• Owners without prior claims may receive a discount.
• Owners using a property management company may receive a discount.
• Landlord association members may receive a discount.