Home Insurance

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Foremost Home specializes in insuring homes that may not qualify for "standard" or "preferred" insurance for one reason or another. We sell both homeowners and owner-occupied policies that cover the following kinds of properties and risks:

• Primary residences, seasonal and secondary homes

• Homes older or lower in value

• Homes with minor cosmetic conditions

• Applicants with credit or loss issues

• Applicants who have been declined, cancelled or non-renewed by another insurance company

• And more!

Foremost offers flexible payment plans, including pay on-line, by mail or electronic funds transfer. Keep in mind that higher deductibles can help lower the cost of your premium.

Flood Coverage

If you purchase your National Flood Insurance Program policy through Foremost, you'll have a personal, professional agent helping you make sure that your home and your belongings have the coverage you want in the event of a flood.

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Pacific Specialty is an insurance company, but it’s run differently than most insurance companies. For over 30 years, they’ve been listening a little closer, moving a bit faster, and working a bit harder to reach a higher standard. Because policyholders are the priority.

Pacific Specialty policies protect more of your everyday life – with coverage available only through local independent agents and brokers. Pacific Specialty operates as an admitted insurance company in all 50 states and the District of Columbia. Being “admitted” means the company has met the requirements of government agencies regulating the insurance industry in every state of the country.

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California FAIR Plan Association provides property insurance as a last resort, and should be used only after a diligent effort to obtain coverage in the voluntary market has been made. The California FAIR Plan does not estimate the fair market value of your property, the cost to rebuild your property, or the cost of labor and materials in your (or any other) area, or determine the appropriateness of the coverage you request. Instead, those are your responsibilities. Here at L.A. Broker, Inc., we can help you get that information should you need to acquire the CA FAIR Plan.