Foremost home — whichever of the three fits yours.
Home is the one line all three Foremost families write, so this is where the whole structure comes together. Foremost Choice for standard houses and the hard-to-place ones — log, dome, earth, modular, metal, even tiny. Foremost Signature, the former MetLife Auto & Home book, for its true guaranteed replacement cost. And the combined Foremost360 platform. Here's how they differ, the replacement-cost decision that matters, and the Arkansas wind and hail realities. From an independent agency that writes all three.
The short answer
Home is the line all three Foremost families write. Foremost Choice covers standard houses (up to two units) plus the hard-to-place and unusual-construction homes others decline. Foremost Signature — formerly MetLife Auto & Home — is the full-featured program, known for a true guaranteed replacement cost option and OEM parts. And Foremost360 is the combined modern platform. The biggest decision is your replacement-cost basis; the Arkansas surprise is the wind/hail deductible. Backed by an A (Excellent) carrier group — and quoted against 40+ others.
On home, all three write it.
This is the page where the whole Foremost picture converges. On auto, three of four companies write it. On mobile home, only the original. On your house, all three can — so the real question is which one fits.
- Standard homeowners, up to two units
- The unusual builds others decline
- Package tiers: Standard, Plus, Platinum
- Endorsements for the odd exposures
- True guaranteed replacement cost option
- OEM parts on the home
- Coverage levels & package products
- The full-featured, premium program
- The merged MetLife + Foremost program
- Modern, standard homeowners
- Bundles cleanly with auto & umbrella
- Often the fit for current, standard risks
Three homeowners programs, one desk.
A standard three-bedroom in Centerton, a log home on acreage, and a 1970s house nobody else will touch can each land on a different Foremost family — and you'd never sort that out buying direct. Because we write all three and represent 40 other carriers, we match your home to the right program and prove it against the market. That's the whole reason to buy a specialty carrier through an independent agency.
Built for the house that "doesn't fit."
Foremost's roots are in the hard-to-place, and the Choice Home program carries that forward to houses a standard carrier's system kicks out on sight.
Log, Dome, Earth & Metal
Log homes, dome homes, earth-sheltered homes, and metal homes are exactly the builds standard programs decline — and exactly what the Choice Home appetite is designed to consider, subject to underwriting.
Modular Homes
Modular homes — built in sections but assembled to local code on a permanent foundation — fit the Choice program, bridging the gap between manufactured housing and traditional site-built.
Tiny Homes
Foremost covers tiny homes — but the path depends on how it's built. On wheels to RV-industry standards, it generally goes through the Travel Trailer program; on a permanent foundation, it may qualify through a dwelling program. We route it correctly.
Older & Hard-to-Place Homes
An older home, a past claim, or an unusual feature that got you declined elsewhere doesn't automatically rule you out here. The Choice program is built to look at the risks standard carriers reject on sight.
Standard Homeowners
None of this means Foremost is only for the unusual. Choice Home writes ordinary single-family houses (up to two units) too, with package tiers — Standard, Plus, and Platinum — to match the level of coverage you want.
Standard, Full-Featured Homes
For a current, standard home that wants premium features, Foremost Signature and Foremost360 bring guaranteed replacement cost, OEM parts, and clean bundling — the polished end of the Foremost home lineup.
Insured for what it costs to rebuild.
Not market value, not tax value — the cost to put your home back. How strongly the policy answers that depends on which Foremost family it's on.
On Foremost Signature, the guaranteed replacement cost option can rebuild a covered total loss even if the cost runs past your dwelling limit — with OEM parts on the home. The strongest rebuild protection in the Foremost lineup.
Three levels of rebuild protection.
Guaranteed Replacement Cost (Signature) — rebuilds to like kind and quality even if that exceeds the dwelling limit; you pay your deductible, not the overage. The gold standard where it's offered.
Extended Replacement Cost (Choice) — a strong cushion above your limit, up to an additional 50% of the insured amount in a covered total loss, where available. Built for the case where a widespread event drives rebuild costs higher than anyone estimated.
Actual Cash Value — the depreciated alternative: lower premium, but it subtracts depreciation and usually won't fully rebuild. A deliberate trade-off, chosen on purpose. We tell you which options your home and program allow, and which one actually fits.
The endorsements that fill the gaps.
Optional coverages — several distinctive to Foremost — that homeowners find out about the hard way.
Mechanical / Equipment Breakdown
A Foremost Choice option covering sudden electrical, mechanical, or pressure-system breakdown of home systems — up to $100,000 per occurrence with a $500 deductible, where the wear-and-tear exclusion would otherwise leave you paying.
Short-Term Rental
Coverage for occasionally renting your home short-term through a service like Airbnb or VRBO — the exact use a standard homeowners policy is not written to cover.
Open-Peril Contents
Upgrades your personal property from named-peril to comprehensive, open-peril coverage — protecting your belongings against a far wider range of causes, not just the specific perils a base form lists.
Water Backup
Damage from water backing up through a sewer, drain, sump, or sump pump — a common loss a base homeowners policy typically excludes and a worthwhile add for many NWA homes.
Service Line
Repairs to the water, sewer, and electrical lines running from the street to your home — the buried lines you own and pay to fix, including excavation, from wear, corrosion, freezing, or roots.
Identity Recovery
Help recovering from identity theft — case-management services plus expense reimbursement — a small add for a problem more households run into every year.
The wind/hail deductible is the one to understand.
Many Arkansas home policies now carry a separate windstorm or hail deductible set as a percentage of your dwelling limit — commonly 1% to 2%, sometimes higher — rather than the flat all-other-perils amount.
Why a percentage deductible surprises people.
On a $400,000 home, a 1% wind/hail deductible is $4,000 — so a hail-damaged roof settles very differently from a burst pipe, where your flat all-perils deductible (say $1,000) applies. Neither is a surprise if you know it going in.
Arkansas has also broadened split deductibles and roof-age schedules in recent years, which can reduce what an older roof is paid after a storm. With NWA sitting in an active hail-and-tornado corridor, these are the numbers we walk through line by line at the quote — a real trade-off between premium and out-of-pocket, made on purpose rather than discovered on a claim.
And the earthquake question, answered straight.
Northwest Arkansas sits near the New Madrid seismic zone, and standard home policies exclude earthquake damage entirely — as does flood. Both are covered by separate policies. If either is a concern for your home, it's worth a direct conversation, and we'll tell you honestly what's available, including through other markets.
The ones worth mentioning.
Foremost rewards bundling, protective devices, a stronger roof, and quoting ahead — and pairing home with auto is usually the biggest lever.
Multi-Policy / Bundle
Pairing your home with a Foremost auto, umbrella, or specialty policy earns a package credit — usually the largest single saving on a home account — and you can mix and match across the three Foremost families.
Alarm & Safety
Credits for smoke detectors, a monitored burglar or fire alarm, and similar safety devices — inexpensive upgrades that lower both risk and premium.
Newer / Impact-Resistant Roof
A newer roof, or impact-resistant (Class 3 or 4) shingles, can earn one of the more meaningful credits in storm-prone Arkansas — and pays off again at claim time.
Advance Quote & Paid in Full
Getting your quote in before the effective date, and paying the term up front, both earn credits — free reasons not to wait until the last day.
Backed by an A (Excellent) group.
On August 1, 2025, AM Best affirmed the Financial Strength Rating of A (Excellent), stable outlook, for the members of the Farmers Insurance Group of Companies — the group behind the Foremost companies that write this coverage in Arkansas. A financial strength rating is an opinion about an insurer's ability to pay claims; it doesn't grade how a specific claim is handled, and it isn't a recommendation to buy or keep a policy. Different question, different source — the current rating is at ambest.com.
Where we earn it on a home policy.
The home mistakes are consistent and only surface at a claim: a dwelling limit set below rebuild cost, the wrong replacement-cost basis for the home, and a wind/hail deductible nobody explained. We fix those at the quote — and we choose the right Foremost family for your house in the first place. We don't adjust your claim and can't overrule an adjuster — but we'll tell you whether a claim is worth filing against your deductible, make sure the right coverage responds, chase the file when it stalls, and move you between Choice, Signature, Foremost360, or one of our other 40-plus markets if the fit changes.
Your home sets the number.
That's the typical range for a bundled homeowners policy placed through Cribb Insurance Group across our markets, reflecting a five-year-old $400,000 Northwest Arkansas home — a Cribb average, not a Foremost rate and not a quote. Your own number turns on rebuild cost, roof age and construction, the Foremost family and package, your replacement-cost basis and deductibles — including that wind/hail deductible — claims history, and, under Arkansas law, a credit-based insurance score. Some homes fall below this band and some well above it. What reliably helps: bundling with auto, matching the home to the right Foremost family, setting the dwelling limit to true replacement cost, and choosing deductibles on purpose. Send your declarations page and we'll build the number with you.
The policies around this one.
Foremost home questions.
Which Foremost writes homeowners insurance?
On home, all three Foremost families write it — which makes this the page where the whole Foremost structure comes together. Foremost Choice Home covers standard homeowners risks (up to two units) plus the hard-to-place and unusual-construction homes standard carriers avoid. Foremost Signature — the former MetLife Auto & Home book — is the full-featured program, known for a true guaranteed replacement cost option and OEM parts. And Foremost360 is the combined modern platform.
Matching your home to the right one of the three is the job, and we quote it against 40-plus other carriers to be sure.
Does Foremost write unusual or hard-to-place homes like log, dome, or tiny homes?
Yes — that's a Foremost Choice specialty. Beyond standard houses, the Choice Home program is built to consider homes many carriers decline: log, dome, earth-sheltered, modular, and metal homes, along with older homes and other hard-to-place risks, all subject to underwriting.
Tiny homes are a special case: a tiny home on wheels built to RV industry standards is generally eligible through the Foremost Travel Trailer program, while a tiny home on a foundation may qualify through a dwelling program — so the right path depends on how it's built. Tell us what you have and we'll route it correctly.
What's the difference between Foremost's replacement cost options?
It varies by family, and it's the most important thing to get right. Foremost Signature offers a true guaranteed replacement cost option, meaning a covered total loss can be rebuilt even if the cost exceeds your dwelling limit, with OEM parts on the home. Foremost Choice offers strong replacement cost with an extended cushion — up to an additional 50% of your insured amount in a covered total loss, where available.
Actual cash value (depreciated) is the lower-cost alternative. Which options apply depends on the program, your home, and the state, and choosing on purpose is exactly what we do at the quote.
What can I add to a Foremost home policy?
Depending on the program, useful endorsements include mechanical or equipment breakdown coverage (Foremost Choice offers up to $100,000 per occurrence with a $500 deductible), short-term rental coverage for occasional Airbnb or VRBO use, and an open-peril upgrade that broadens personal property from named perils to comprehensive coverage.
Commonly across home programs you'll also find water backup, service line, and identity coverages. Availability depends on the Foremost family, the form, and the state; we confirm what applies to your home at the quote.
How do Arkansas wind and hail deductibles work on a home policy?
Arkansas is one of the more storm-exposed states, and many Arkansas home policies now carry a separate windstorm or hail deductible that's a percentage of your dwelling limit — commonly 1% to 2%, sometimes higher — rather than the flat all-perils deductible. On a $400,000 home, a 1% wind/hail deductible is $4,000, so a hail-damaged roof settles very differently from a kitchen fire.
Arkansas has also broadened the use of split deductibles and roof-age schedules in recent years, which can reduce what an older roof pays. This is the number most homeowners are surprised by at claim time, so we walk through it at the quote, not after a storm.
How do I get a Foremost home quote, or bundle it with auto?
Foremost is agent-only, so an appointed agency like ours is how the coverage is bought. Start at our personal lines quote form or call (479) 286-1066. Bundling home with auto — or with a mobile home or a toy — earns a package discount, and because we write all three Foremost families you can mix and match across them and still bundle.
If you have your current home declarations page, send it: reading what you already carry is faster than answering questions about it, and it's how we check your dwelling limit, your replacement-cost basis, and your wind/hail deductible actually fit your home.
If our coverage explainers are useful, mark Cribb Insurance as a preferred source so more Northwest Arkansas homeowners can find our local, plain-English guides.
Foremost is one of 40+ carriers we represent.
Which means we can put your home on the right Foremost family — Choice, Signature, or Foremost360 — or on one of our other markets if that fits better. Send your current home declarations page and we'll read it back in plain English: your dwelling limit against rebuild cost, your replacement-cost basis, and your wind/hail deductible. If what you have is already right, we'll say so.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Foremost, and this page is not endorsed, sponsored, reviewed, or approved by Foremost. "Foremost," "Foremost Choice," "Foremost Signature," "Foremost360," "GrandProtect," and "Farmers" are service marks or trademarks of the Foremost Insurance Group, the Farmers Insurance Group of Companies, and their affiliates, used here nominatively to identify products we are appointed to place. Foremost Signature is the property-casualty business formerly known as MetLife Auto & Home, acquired by Farmers in 2021. Foremost's Arkansas homeowners policies are issued by Foremost- and Farmers-affiliated underwriting companies across the Foremost Choice, Foremost Signature, and Foremost360 programs.
This page describes coverage in general terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Programs, coverage, forms, package tiers, replacement-cost options, endorsements, limits, deductibles, discounts, and eligibility vary by Foremost family, by form, by policy, by state, and over time, are set by the carrier, and are subject to underwriting approval and to the terms, conditions, limits, and exclusions of the policy actually issued. Acceptance of any home — including log, dome, earth, modular, metal, tiny, older, or otherwise hard-to-place homes — is determined by the carrier on the facts of the property and is not guaranteed. Guaranteed and extended replacement cost, OEM parts, mechanical/equipment breakdown, short-term-rental, open-peril, water backup, service line, and identity features are optional, carry their own terms and limits, and are not available on every program or in every state. Tiny-home eligibility and the applicable program depend on how the home is built. Flood and earthquake are excluded and require separate coverage. If anything on this page conflicts with the issued policy, the policy controls.
Statements about Arkansas wind and hail deductibles, split deductibles, and roof schedules are general market information, not legal advice, vary by carrier and policy, and are subject to change. Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, are not recommendations to purchase, hold or terminate any policy, and do not address an insurer's claims-handling practices; current ratings are at ambest.com. The A (Excellent) rating referenced was affirmed by AM Best on August 1, 2025 for the members of the Farmers Insurance Group of Companies, which include the Foremost underwriting companies. Cost figures shown reflect policies placed through Cribb Insurance Group across our markets; the homeowners band reflects a five-year-old $400,000 Northwest Arkansas home. They are Cribb averages, not Foremost or carrier-specific rates, not a quote, and not a guarantee of your rate. Any premium is determined by the carrier at quote based on your specific home and risk.
Last reviewed July 2026.