We are thrilled to announce that Premier Mountain Insurance has been officially appointed with Foremost Signature, a premier personal lines insurance brand backed by the strength and stability of the Farmers Insurance Group. This exciting new partnership means our clients in Colorado now have access to one of the most comprehensive and competitively priced personal lines insurance programs on the market today.
What Is Foremost Signature?
If you have not heard of Foremost Signature before, you may know them by their former name. Foremost Signature is the rebranded version of the well-known MetLife Auto & Home property and casualty insurance product. In April 2021, the Farmers Exchanges and Farmers Group, Inc. completed their acquisition of MetLife’s property and casualty business for approximately $3.94 billion, absorbing over 2.4 million policies in force. Following the acquisition, Farmers spent considerable time refining the products, pricing, and underwriting to create what is now known as Foremost Signature. The result is a modernized, highly competitive insurance program that combines MetLife’s legacy of trusted coverage with the innovation and reach of the Farmers Insurance family.
Foremost Signature Product Line
One of the greatest strengths of Foremost Signature is the breadth of its product line. Whether you need coverage for your home, your vehicles, or broader liability protection, this carrier has a solution for you. Their personal lines products include:
- Homeowners Insurance – Comprehensive dwelling and personal property coverage with robust options for customization
- Auto Insurance – Full-featured auto policies designed for drivers who want premium protection and peace of mind
- Umbrella Insurance – Overarching liability coverage that extends beyond the limits of your home, auto, boat, and recreational vehicle policies
- Other Personal Lines Products – Additional coverage options to meet a wide variety of personal insurance needs
With this program, you can bundle your homeowners, auto, and umbrella policies together for a streamlined insurance experience and potential multi-policy savings.
Unique Foremost Signature Coverages That Set Them Apart
What truly makes Foremost Signature stand out from other personal lines carriers are the unique coverage features built into their policies. Here are some of the highlights that our team is most excited about:
Guaranteed Replacement Cost on Homes
Foremost Signature offers a true Guaranteed Replacement Cost option for homeowners insurance. This means that if your home is damaged or destroyed by a covered loss, they will pay the full cost to rebuild your home, even if the rebuilding cost exceeds the coverage amount listed on your policy. This is an uncapped rebuilding benefit that provides incredible peace of mind, especially in today’s construction market where material and labor costs can fluctuate significantly. The program provides guaranteed rebuild coverage on dwellings valued up to $1.5 million, replacement cost settlement on personal property, and additional living expense coverage paid at actual loss sustained rather than a fixed percentage.
OEM Parts Coverage on Auto Policies
Foremost Signature auto policies offer Original Equipment Manufacturer (OEM) parts coverage. When your vehicle is repaired after a covered collision, this coverage ensures that only factory-original parts from your vehicle’s manufacturer are used in the repair, rather than cheaper aftermarket alternatives. OEM parts are designed specifically for your vehicle, ensuring a perfect fit, maintaining your car’s value, and preserving the safety standards your vehicle was built to meet. This is a valuable benefit for anyone who wants to keep their car in the best possible condition after an accident.
Additional Standout Features of Foremost Signature
Beyond guaranteed replacement cost and OEM parts, Foremost Signature offers several other impressive features:
- Higher Liability Limits – Choose up to $1 million in liability coverage, compared to the standard $500,000 limit offered by many competitors
- Roof Replacement Cost Coverage – Replacement cost coverage for roofs up to 8 years old, while many carriers now switch to actual cash value after just 5 years
- Contractor Referral Network – When you use a licensed contractor from their referral network, your repair work comes with a five-year warranty
- Identity Protection Services – Auto and home customers receive identity protection services at no additional cost
Why Premier Mountain Insurance Chose Foremost Signature
At Premier Mountain Insurance, we are always looking for ways to bring our clients the best coverage options available. Our decision to partner with Foremost Signature was driven by their exceptional product quality, competitive pricing, and commitment to customer service. As an independent insurance agency, we have the ability to shop multiple carriers on your behalf, and adding this carrier to our lineup gives our clients even more choices when it comes to protecting what matters most.
Get a Foremost Signature Quote Today
If you are interested in learning more about Foremost Signature home, auto, umbrella, or other personal lines insurance products, our team at Premier Mountain Insurance is ready to help. We can provide you with a personalized quote and help you understand how Foremost Signature’s unique coverages like guaranteed replacement cost and OEM parts can benefit you and your family.
Contact Premier Mountain Insurance today to request your free Foremost Signature quote. You can also call us at 303.922.1002 or stop by our office to speak with one of our experienced insurance professionals. We look forward to helping you find the right coverage at the right price with Foremost Signature.
