Foremost Insurance Group?
 

Has anyone had them and made a claim? I have State Farm now and they have been awesome to deal with. I'm moving some of my stuff to Farmers due to a move and this is the company they use for boats.

Trying to decide if I should keep a few things with SF so they keep taking my boats or move it all to Farmers.

I have used them in the past with no issues on production type boats.

If you are talking about the boat in your sig I don't think they will insure it. Farmers will not even cover performance boats under there umbrella policy

My agent is working with them to take our 47 so they can keep the rest of our insurance. He gave me a quote and sent it into his boss. They will currenlty take up to 40' performance boats, we are just asking for another few feet.

had farmers for many years,2 homes, cars, motorcycles, other boats, and my last boat which was a 28 cat which they did insure at the time ,then I got a speeding ticket some months later and they dropped my boat insurance, and yes they use foremost. I moved to worldwide now, also foremost wanted twice as much for my new seedoo rxtx, that to is covered by worldwide now . call Bob at worldwide ins out of michigan.

Foremost, which is a company owned by Farmers Group, will insure SOME performance boats. They insure more of the "mid performance" boats. They will not however accept triple engine performance boats. But maybe you got a special "ok" from an underwriter because you're moving all of your stuff. I would make sure before you complete the move that the boat can definitely be insured with them and try to get it in wrting from the underwriting department (not the agent).

Our company represents Farmers/Foremost amongst other high performance carriers. Stacy is correct on the "mid performance" portion of her post, however Foremost will absolutely insure 3 even 4 outboard motors on a vessel. Underwriting does have to approve, but as long as the vessel's top speed is less than 75 mph there shouldn't be any issues.


Example of a 37' Midnight Express Insured by Foremost:

Sorry, I should have been more specific in my post...
Yes, 3 outboards can be insured under the Foremost program. I do not disagree with that at all. They can be insured under nearly any insurance carrier out there. But that isn't what his boat is or what I was referring to. He has triple I/O engines... doubt there are many triple engine I/O boats out there doing under 75mph.... You can not put a triple engine Fountain in a Foremost/Farmers program.

Also, you posted pictures of a manufacturer (not necessarily this model) that is known mainly for open sportfish boats, and not your typcial high performance boats. To the readers here that might be misleading. Sportfish boats are not designed exactly the same way and are not designed for speed like your average performance boat is. Because of their different designs and capabilities they are categorized differently and insured under different insurance programs. That is why the sportfish boat with quad outboards is ok in Foremost... because it's top capable speed is only 72mph according to mfg specs.

Not trying to offend just correct for any further readers.

I'm a good customer, we shall see. The quote is even cheaper than SF with better coverage. It sounds like they are a good company to deal with then. I hope it works out.

Your correct our boat runs over 80 and is a triple engine.

Good luck with it! :) Just proceed with caution and don't cancel your State Farm stuff until after the policy has been with Foremost for a couple weeks just in case :)

Quote off Fountain's website that I thought you might find interesting.

Fact is, most companies that build high performance Vee's and sport fishers just retool the deck and share the bottom mold.

Stacy

allow me to clarify... when I say "designed" I was not just specifically talking about the hull design and molds... I was referring to the ENTIRE package design of the boat.

Let's take the 37' Midnight Express Sportfish boat. While it has a high-performance stepped hull design, it's displacement is nearly 5,000lbs more than a 38 Fountain Lightning is. This is exactly what I mean by "designed". You can use the exact same molds but if that boat is heavier, it is not going to be as fast. Which brings me back to my original statement... sportfish boats are "designed" for a different purpose and use than that of a high performance boat such as the 38 Fountain Lightning.

So, you took the word "designed" far too literally....

I understand what you posted but the plain and simple fact is that for INSURANCE PURPOSES they are viewed differently and are put into DIFFERENT insurance programs because of their end designed capabilities.All I am saying is that you CAN NOT put a triple I/O engine fountian in a Foremost Program. It is too fast. I was not talking about the actual hull design, I was referring to the engines and uses of the boat which on a V is what matters in insurance.

At this point I think we're talking from two different perspectives and have different purposes in our original posts so let's just agree to disagree at this point. :) It's Apples and Oranges..... I'm simply stating that they are different boats for insurance purposes and nearly every carrier will agree with that.. I just didn't want readers confused about the available insurance programs, that's all....

Stacy,

I think we are saying the same thing in just a different way. Earlier I read your post where you wrote

And just wanted to be clear that it is not necessarily the number of engines, but more to do with an ultimate mph achieved (less than 75mph).

Then you wrote

It is not my intent to argue with you on the internet, but I was not sure if you were aware that most of the bottoms are shared, and that in most cases the deck is retooled to a center console style. It wouldn't make financial sense for most mfg's to make another bottom mold, when they can sell 2 models off the same platform (bottom mold).

Now that we are all on the same page (I think?) I would tend to agree that a triple I/O fountain probably wouldn't fit Foremost near as well as it would fit a number of other High Performance carriers.

I'm unsure of the different perspectives, but I'm fairly sure our purposes are similar in that we are both here to provide quality insurance/service at a competitive rate.

The first and last lines of your post sums it all up.... no need to keep going back and forth. Cheers and have a good night.

Thanks you too:)

Just a follow up. Foremost was a no go on the 47.

Told you LOL.

Remember they probably wont allow it on your umbrella with Farmers.

Not knocking Farmers. I use them for Business and personal.

Everything but the boat.

Yep he said that over 40' and under 80 mph he might of got it done, but over both. They are a year out from a new program and should be able to write me then. His quote was $300.00 cheaper than State Farm, hope they stay around that.