Homes and property
Standard and specialty residential programs.
- Homeowners and mobile homes
- Vacant and seasonal homes
- Landlord and rental homes
- Renters, condo, and flood
Michigan carrier guide
Foremost
Foremost is a Farmers Insurance Group company founded in Michigan to insure mobile homes. It now offers broad personal, property, and recreational coverage through independent agents.
Who is Foremost?
Foremost was founded in 1952 by Edward J. Frey, Richard E. Riebel, Edward L. Stoddard, and investors to serve families living in mobile homes. The company later introduced travel-trailer coverage and expanded into boats, motorcycles, snowmobiles, off-road vehicles, and other specialty risks.
Farmers Insurance Group acquired Foremost, adding scale while retaining its specialty-market identity and independent-agent distribution. Foremost now presents products for standard and specialty homes, vehicles, recreation, flood, and small-business-related needs, subject to program and state availability.
Official source: About Foremost and company history ↗Key facts
Foremost at a glance
- Founded
- 1952
- Michigan roots
- Mobile-home insurance
- Parent company
- Farmers Insurance Group
- Distribution
- Independent agents
- Market focus
- Home, auto, and specialty recreation
- Agency status
- Available through Vander Ploeg when eligible
Company history
How Foremost developed
- 1952
Founded for mobile-home owners
Foremost began by addressing the insurance needs of the growing mobile-home market.
- 1950s–1970s
Expanded into recreation
Travel trailers, boats, motorcycles, snowmobiles, and off-road vehicles broadened its specialty portfolio.
- Farmers era
Joined Farmers Insurance Group
The acquisition supported broader products, technology, and distribution while Foremost retained its specialty identity.
- Today
Standard and specialty options
Foremost offers coverage across homes, vehicles, recreation, and selected additional lines through local agents.
Coverage overview
What products does Foremost offer?
Vehicles
Personal and specialty vehicle options.
- Auto and commercial auto
- Collectible auto
- Motorcycles and scooters
- Golf carts and neighborhood vehicles
Recreation
Coverage for equipment used on the road, trail, and water.
- Motor homes and travel trailers
- Boats and personal watercraft
- Off-road vehicles
- Snowmobiles
Products, discounts, and coverage features vary by state and underwriting company.
Who they serve
Who may consider Foremost?
Homeowners with unusual risks
Owners of manufactured, vacant, seasonal, rental, or otherwise specialty homes.
Recreational vehicle owners
Motorcyclists, RV travelers, boaters, snowmobilers, and off-road enthusiasts.
Households needing flexible options
Clients comparing both standard and specialty programs through a local independent agent.
Local context
Foremost in Michigan
Foremost’s Michigan roots and specialty lines align with common state needs such as manufactured homes, cottages, motorcycles, boats, RVs, and snowmobiles. Eligibility, deductibles, seasonal use, storage, and required limits should be reviewed for the specific risk.
How Vander Ploeg helps
Vander Ploeg can compare eligible Foremost programs with other appointed markets. We help document the home, vehicle, usage, storage, and driver details that affect underwriting, then explain the material differences before you bind coverage.
Read our Michigan car insurance guide →Policyholder help
Official Foremost resources
Foremost FAQs
What is Foremost Insurance known for?
Foremost is known for manufactured and specialty homes, motorcycles, RVs, boats, off-road vehicles, snowmobiles, and other risks that may need specialized underwriting.
Is Foremost the same as Farmers Insurance?
Foremost is part of Farmers Insurance Group, but it operates distinct programs and underwriting companies, many distributed through independent agents.
Where was Foremost founded?
Foremost was founded in 1952 to insure mobile homes and maintains Michigan roots, with its home office listed in Caledonia, Michigan.
Can Vander Ploeg quote Foremost in Michigan?
Yes, when the requested product and risk meet current Foremost eligibility and underwriting requirements.
Are all Foremost products available in Michigan?
No. Product, discount, coverage, and underwriting-company availability varies by state, ZIP code, and individual risk.
Sources and editorial notes
Last reviewed August 19, 2026. This independent overview summarizes official carrier materials for education. Policy forms, providers, availability, underwriting, and terms can change; the issued policy controls coverage.
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