Foremost Insurance in Florida
Foremost invented its category: founded in Grand Rapids in 1952 to insure the mobile homes postwar America was moving into — the company credits itself with the first policy ever designed for one — and seventy years later it is the specialty-lines engine of the Farmers Insurance Group, rated A (Excellent) by AM Best, endorsed by AARP for mobile-home coverage since 1989, and Florida’s third-largest private-market mobile-home insurer. It kept writing Florida straight through the 2023 Farmers-brand headlines, on the record. For the risks standard markets treat as afterthoughts — manufactured homes, seasonal and rental dwellings, RVs, motorcycles, boats — this is one of the two names we reach for, and this page explains when it’s the right one.
Foremost at a glance
Carrier ratings verified directly with each rating agency.
The company that wrote the first mobile-home policy
In 1952, the big carriers looked at America’s postwar mobile-home boom and saw paperwork that didn’t fit their forms. Foremost’s founders in Grand Rapids saw a market — and built, by the company’s own account, the first insurance policy designed specifically for a mobile home. By 1961 it sold in every state but Hawaii and had written the first policy designed for travel trailers; the decades after added site-built homes for the 50+ market, a landlord program for older dwellings, and a luxury motor-coach program — a habit of writing whatever the standard market was ignoring that year.
Farmers acquired Foremost in 2000 for roughly $812 million — at the time it insured about one in five American mobile homes — and then handed it the group’s specialty book: personal watercraft to yachts, motorcycles, off-road vehicles. Today Foremost writes through more than 38,000 independent agents nationally, carries AM Best’s A (Excellent) as a member of the Farmers Insurance Group — affirmed August 2025 — and holds a trust signal few carriers can print: AARP has endorsed Foremost for its members’ mobile-home coverage since 1989 and motorcycle coverage since 2004.
The Florida mobile-home story: the national specialist beside the hometown leader
Florida’s private mobile-home market has a clear leaderboard, and Foremost sits third on it — 17,680 mobile-homeowners policies in force per Florida OIR’s May 2026 data — behind American Traditions, the Florida-only leader we’ve profiled, and the Tower Hill exchange. It held that book straight through the 2023 Farmers-brand pullback: the company’s own statement named the Foremost brands among the roughly 70% of its Florida customers unaffected, and the record since bears it out.
For a Florida mobile-home owner, that leaderboard is the quote strategy: the hometown leader and the seventy-year national specialist, priced side by side on identical answers. The two see risk through different underwriting eyes — which is precisely why the second quote is worth the same five minutes as the first. Program eligibility runs wider than most owners expect — newer and older homes, park models, rental and vacant mobile homes all have paths, confirmed home by home at quote time.
The specialty shelf: dwellings, RVs, motorcycles, boats
The rest of the Foremost shelf answers the calls that start with “my carrier says they don’t write that”:
- Specialty dwellings. The Foremost Choice program is the classic market for hard-to-place property: landlord rentals including short-term arrangements, seasonal homes without a seasonal surcharge, and vacant dwellings — the between-tenants, the inherited house, the renovation — with flexibility standard markets rarely offer. Fit and availability are confirmed per property at quote; our DP-3 landlord guide covers where admitted markets handle the job instead.
- RVs and motorhomes — Class A through C, travel trailers, vintage coaches, including full-timer coverage for those whose motorhome is their residence: a natural neighbor to the mobile-home book.
- Motorcycles — the line AARP has endorsed Foremost for since 2004.
- Boats and personal watercraft — the marine book Foremost absorbed from the wider group, runabouts to yachts.
And on the auto side, the family’s Foremost Signature brand carries the former MetLife auto book — the lane we quote for Farmers-family auto, covered fully on our Farmers in Florida page. Which piece of the household belongs on which paper is exactly what one entry sorts out, working with your agent, with every market’s answer on the same sheet.
Claims, around the clock
Claims file with Foremost directly — 1-800-527-3907, answered 24/7, online at foremost.com, or in the Foremost app, per the carrier’s instructions. Your agent’s part comes before any loss: coverage amounts, deductibles, whether the tie-down and roof answers on a mobile-home policy still match the home — questions for 813.920.8181 on any quiet day. What a policy pays in a particular loss is governed by its own terms.
Foremost in Florida: your questions, answered
Is Foremost still writing insurance in Florida?
Yes — and it never stopped. When Farmers discontinued its Farmers-branded policies in Florida in 2023, the company’s own statement named the Foremost brands among the roughly 70% of its Florida customers unaffected. Florida OIR’s May 2026 data shows the result: 17,680 mobile-homeowners policies in force, the state’s third-largest private mobile-home book.
Who owns Foremost?
The Farmers Insurance Group, since 2000 — an acquisition of roughly $812 million that made Foremost the group’s specialty-lines company. Foremost policies carry AM Best’s A (Excellent) as members of the Farmers pool, affirmed August 1, 2025 — the same rating tier as the Farmers Exchanges themselves.
Should I get a Foremost or American Traditions quote for my Florida mobile home?
Both — that’s the honest answer and the whole strategy. American Traditions is Florida’s largest private-market mobile-home insurer, a hometown specialist; Foremost is the seventy-year national pioneer with AM Best A paper and AARP’s endorsement since 1989. They underwrite through different eyes, which means real price and eligibility differences home to home. One entry with us returns both, side by side, and your home’s facts pick the winner.
Does Foremost insure older mobile homes?
The program is built for the full range — newer and older mobile homes, manufactured homes, park models — and eligibility is confirmed home by home at quote time. Age alone isn’t the decider; the specifics of the home are. That’s exactly the kind of risk Foremost was founded to write in 1952, and where the two-quote strategy above earns its keep.
Can Foremost cover my rental, seasonal, or vacant property?
That’s the Foremost Choice specialty-dwelling lane: landlord rentals including short-term arrangements, seasonal homes without a seasonal surcharge, and vacant dwellings — the situations standard markets decline reflexively. Availability and fit are confirmed per property at quote, and where an admitted DP-3 market can do the job instead, we price that too and let the comparison decide.
What is the AARP connection?
Foremost has been AARP’s endorsed provider for its members’ mobile-home insurance since 1989 and motorcycle insurance since 2004 — third-party trust signals that have survived thirty-plus years of renewal cycles. The endorsement doesn’t replace a comparison — nothing does — but it says something durable about how the programs treat the demographic that dominates Florida’s parks.
What is Foremost Signature?
The Farmers family’s independent-agent auto and home brand — the former MetLife Auto & Home business acquired in 2021 and rebranded. It’s the lane we quote for Farmers-family auto in Florida, and the full story — the acquisition, the 2023 continuity, the ratings — lives on our Farmers in Florida page.
How do I file a Foremost claim?
Directly with Foremost: 1-800-527-3907, answered around the clock, online at foremost.com, or in the Foremost app, per the carrier’s instructions. Your agent’s work comes before the loss — coverage amounts, deductibles, and whether the policy still matches the home — any quiet day at 813.920.8181. What a policy pays in a particular loss always comes down to its own terms.
