Foremost Insurance in Florida

Foremost, founded in 1952 and headquartered in Caledonia, Michigan, offers home, auto, renters, mobile home, specialty property insurance. Foremost Insurance Group, a Farmers Insurance company, specializes in insurance for unique and specialty properties including mobile homes, manufactured homes, vacant properties, and seasonal homes. They also offer competitive auto and standard home insurance.

In Florida, drivers are required to carry minimum auto liability coverage of 10/20/10 + PIP. Florida is a no-fault state with among the highest auto rates nationally. Home insurance is extremely expensive due to hurricane exposure. The average auto insurance rate in Florida is $2,560 per year, though your actual rate with Foremost may be higher or lower depending on your driving record, vehicle, and coverage level.

Foremost is especially well-suited for mobile/manufactured homes, seasonal properties, unique property types, vacant homes. Comparing Foremost alongside other carriers through Truvo helps ensure you get the best rate available in Florida, whether you need basic liability or full coverage.

Florida also faces elevated hurricane and tropical-storm wind exposure, which affects how carriers price coverage here. When evaluating Foremost in Florida, pay attention to deductibles for wind, hail, or wildfire — they can vary significantly between carriers and meaningfully change your out-of-pocket cost after a claim.