Foremost Personal Insurance

Why Choose Foremost?

Foremost is a specialty insurance company. They serve their markets by offering insurance solutions that other companies may not provide.

Foremost spent the past 65 years building an exceptional understanding of the markets they serve. They are familiar with the coverages you need for the various sorts of plans you may choose. Foremost took everything they’ve learned and developed it into a competitive company.

Facts About Foremost

• Foremost Insurance Company was established on June 12, 1952.
• Foremost Insurance Company has more than 38,000 agents across the country, including John Perry Insurance.
• Foremost Insurance Company is licensed to operate in all 50 states and Washington D.C.
• Foremost Insurance Company is a member of the Farmers Insurance Group of Companies®
• Foremost produced the first mobile home insurance coverage.
• Foremost pioneered the first insurance coverage designed exclusively for travel trailers.
• AARP has recommended Foremost as a provider of mobile home and motorbike insurance to its members.
• Foremost’s financial strength: Rated A (Excellent) by A.M. Best.

Foremost Personal Insurance

Auto Insurance

Multiple insurance firms are offering auto insurance coverage, but why should you select Bristol West? Bristol West Auto Insurance insures a wide variety of drivers with a variety of driving records. Fortunately, a John Perry Insurance agent can assist you in selecting the best Bristol West vehicle insurance coverage, so you can enjoy the ride while someone else handles the paperwork!

Foremost Auto Insurance Covers the Following:

1. One Household, One Policy for all Vehicles – This means that all of your Bristol West Auto policies are combined into a one, easy-to-read bill, removing the need for separate effective dates, renewals, or numerous invoices.
2. Uninsured/Underinsured Motorists – Financial protection in the event that you are involved in an accident with someone who is at fault and either does not have insurance or has inadequate insurance.
3. Bodily Injury and Property Damage – This policy covers your legal obligation for a covered accident that results in bodily injury or property damage to another person, up to the coverage limit you specify.
4. Rental Reimbursement – If you hire a car after a covered loss on your vehicle, we will refund you $50 per day for up to 30 days.
5. Medical Payments – Hopefully never needed, but always critical when it comes to vehicle insurance, this policy covers for essential medical treatment you get as a consequence of an auto accident (up to $10,000.00).
6. Towing and Roadside Service – If your vehicle requires roadside assistance or towing, we will reimburse the costs. This coverage compensates you for any disablement on a covered vehicle, subject to a per-policy maximum.
7. Loan/Lease Coverage – This will cover the difference between what you owe on your car and what your insurance covers, less your comprehensive or collision deductible if your vehicle is deemed a complete loss after an accident or is stolen and not found.

A Bristol West Auto coverage may protect you and let you continue your adventure. Check out for yourself.

• What if I am found at fault for an accident, where I hit another vehicle and the other driver needs to go to the hospital?
  • No Insurance: Vehicle damage, medical expenses, and missed earnings resulting from an injury may be your responsibility.
  • Bristol West Auto Policy: You may be entirely insured depending on the coverage you purchase. Your insurance provider may cover all charges.
• What if I get hit by a driver that doesn’t have insurance? Does that mean they pay for it?
  • No Insurance: No. That implies you may be responsible for the accident’s damages, medical bills, and any other costs incurred as a result of the accident.
  • Bristol West Auto Policy: With an underinsured/uninsured option, your insurance provider might pay for these costs.
• What if I have to rent a car, while my car is getting repaired after an accident?
  • No Insurance: You may have to pay for the rental automobile yourself.
  • Bristol West Auto Policy: If you hire a vehicle, we will reimburse you $50 each day for up to 30 days.
• What if my car breaks down on a road trip?
  • No Insurance: You may have to locate a towing company and pay for assistance on the spot.
  • Bristol West Auto Policy: Typically, your insurance carrier will pay these costs and even assist you in locating a towing business.

Availability: Please note that policies, coverages, and coverage amounts vary by state and all coverages may not be available in all areas. Please locate an agent to learn more.

Call John Perry Insurance at 863-777-4966 to learn more about Bristol West Auto Insurance

Boat Insurance

Have you ever had that sinking sensation when you consider the possibility of your boat or personal watercraft (PWC) being damaged or destroyed? Is your insurance coverage sufficient to cover the whole replacement cost?

Foremost Marine Insurance Coverages:

• Watercraft Physical Damage – This policy protects your watercraft against direct, abrupt, and unintentional damage.
• Trailer Coverage – This includes trailers used to move your boat.
• Personal Liability – This offers coverage for physical harm and property damage that you are legally liable for causing to others. Additionally, Foremost provides coverage for uninsured boats and medical bills.
• Personal Property – Personal property consists of clothing, sports equipment, fishing equipment, and any other personal property belonging to the insured or their guests while onboard or being transported to or from the watercraft.
• Towing and Roadside Assistance – If the watercraft becomes damaged while afloat or away from a safe port, or if the trailer becomes disabled, we will cover the cost of emergency work conducted on-site, towed to the closest repair facility, or delivery of petrol, oil, or batteries. If the Elite package is selected, we will reimburse you up to $250 for the cost of petrol and oil. Subject to the policy’s limitations.

Here are just a few of the ways you can save money by choosing Foremost:

• Is boat insurance required?
  • While boat insurance is not required in many jurisdictions, lenders and marinas often need full liability and physical damage coverage.
• Does Foremost insurance provide coverage for my watercraft while it’s being transported?
  • Yes, in the case of a covered loss, physical damage to your watercraft while being towed or transported is covered.
• Does Foremost insurance cover my watercraft during the off-season?
  • Yes, the policy term is annual, and coverage is not removed during the off-season.
• Does Foremost boat insurance cover my trolling motor?
  • Yes, your trolling motor can be covered either through the watercraft hull coverage if it is permanently attached, or through the personal property, if it is taken on or off your watercraft.

Let us protect your boat. Call us at 863-777-4966 to request a quote with John Perry Agent.

Flood Insurance

Do you not believe it will happen to you? No matter where you reside, flood insurance is a good idea.

No matter where you live, you should get flood insurance. Wherever it rains, flooding is possible. Since 2001, floods have caused more than $2.7 billion in damages in the United States. You may rest while someone else handles the paperwork since an agent can assist you in selecting the correct coverage to safeguard your house.

We understand. We are not the only firm that offers flood insurance. This is why we are devoted in surpassing the competitors. Your policy is the starting point. If you buy your National Flood Insurance Program policy with Foremost, a trained John Perry agent will assist you in ensuring that your house and valuables receive the coverage you need in the event of a flood. A Foremost representative can walk you through the facts and assist you in selecting the best insurance to safeguard your house. Most flood insurance plans have a 30-day waiting period before coverage becomes effective.

Flood Insurance Coverage Options:

• Low- to moderate-risk areas: The majority of buildings and their contents in low- to moderate-risk locations are eligible for a low-cost Preferred Risk coverage. If you reside in a low- to moderate-risk location and cannot qualify for a Preferred Risk coverage owing to repeated flood losses on your house, a Standard Risk policy is available. A Preferred Risk insurance provides two kinds of coverage:
  • building and contents combined with a $129 annual premiums
  • contents-only with an annual premiums that begins at $49
• High-risk zones – Customers in high-risk locations may acquire Standard Risk coverage for the structure, the contents, or both.
• Coverage restrictions – National Flood Insurance Program coverage is offered up to the following maximum limitations, based on the value of your building and its contents:
  • Residential
    • Building: $250,000
    • Contents: $100,000
  • Nonresidential (commercial)
    • Building: $500,000
    • Contents: $200,000

What’s Covered?

The direct physical damage caused by or resulting from flooding is covered by flood insurance plans. The following is a list of products that might be eligible for coverage according to the bought policy.

Personal Property (contents) coverage includes:

• Personal belongings, such as clothing, furniture, and electronic equipment
• Curtains
• Portable air conditioners
• Portable microwave ovens and portable dishwashers
• Carpets not permanently installed over unfinished flooring
• Washers and dryers
• Freezers and the food in them
• Certain valuable items such as original artwork and furs (up to $2,500)
• Replacement cost coverage is not available for personal property

Other Coverages:

• Debris removal at federal minimum wage (not subject to deductible)
• Loss avoidance measures ($1,000 limit, no deductible)
• Increased Cost of Compliance — flood proofing, relocation, elevation, and demolition (subject to limitations and qualifying criteria)

Availability: Flood insurance is available in all 50 states, as long as your community participates in the National Flood insurance Program (NFIP), except in Coastal Barrier Resources System (CBRS areas. Ask you Foremost agent if your community participates.

If you need more coverage, you may be qualified for a separate Excess Flood insurance. Please call John Perry Insurance Agent at 863-777-4966 to learn more about Foremost Flood insurance program.

Home Owners Insurance

• Named Peril Coverage: This implies that we cover “perils” (fire, explosion, lightning, windstorm, and hail damage) expressly stated in your insurance, subject to policy exclusions and restrictions.
• Coverage for Vandalism and Malicious Mischief: Foremost is one of the few insurers that provides this vital coverage for empty homes.
• Complete 12-Month Policy: This implies that we provide flexible payment options and prorated cancellation if you need to cancel before the end of the year. We also offer renewal options for up to four years.
• Agreed Loss Settlement: If your house is destroyed by an insured loss, you will get the entire value of your homeowner’s insurance policy (minus any applicable deductible). No complications.
• Liability Coverage: This offers coverage if you are judged legally liable for an accident that injures someone on the rental property or causes property damage.
• Actual Cash Value: Covers the cost to replace or repair your damaged property in the event of a covered loss, with a reduction for depreciation that reflects the age and condition of your house.

Do Foremost Insure You?

Foremost specializes in unoccupied house insurance and accepts a wide variety of abandoned properties. We accept unoccupied properties worth up to $1 million regardless of their age!

Claims comparison

Other insurance companies do not provide flexible coverage options, but Foremost does and may help you save money. Foremost provides excellent unoccupied house coverage, prorated cancellation, vandalism, and malicious coverage, and coverage on your vacant property for up to three years if necessary! Therefore, we are happy to inform you that empty house insurance might provide coverage so you can continue to unwind.

• What if I buy a year policy on my home that is for sale and it sells in the first two months?
  • • Other companies/policy with minimal coverage: With other companies, typically, you may end up paying for the full year, no refund!
  • Foremost Vacant Home Policy: Foremost offers a pro-rated cancellation. This means that we would credit money back to you subject to a minimum earned premium.
• What if my home is being renovated and someone breaks and vandalizes it?
  • Other companies/policy with minimal coverage: Many other insurance companies do not offer vandalism coverage on vacant homes, so those expenses would all be right out of your pocket.
  • Foremost Vacant Home Policy: Foremost loves insuring vacant homes and offers coverage for Vandalism and Malicious Mischief coverage. In the event of a covered loss, Foremost would cover the vandalism on your vacant home up to the limits of your coverage.
• What if I want to get vacant home insurance and not need to worry about renewing it every couple of months?
  • Other companies/policy with minimal coverage: Many other insurance companies make you renew the policy every three or six months.
  • Foremost Vacant Home Policy: With a Foremost policy, you have the option to purchase coverage for your vacant home for one year, with an option to renew for up to four years. We also offer pro-rated cancellation.
• What if my vacant home is insured and it is considered a total loss after a natural disaster?
  • Other companies/policy with minimal coverage: It may be an unpleasant surprise how much you receive for your home to be rebuilt.
  • Foremost Vacant Home Policy: With agreed loss settlement coverage, in the event of a covered loss, you would receive the amount of insurance for your home that is listed on your policy (minus any applicable deductible). No surprises.

Availability: Foremost vacant home program is offered in many, but not all states at this time. Programs and coverages can vary among states. To qualify for coverage, homes must meet state-specific eligibility guidelines. Please contact an agent to receive full details.

Call John Perry Insurance Agent at 863-777-4966 today to learn more about Home Insurance.

Motorcycle Insurance

Foremost fully understand motorcycles and their riders. Our motorcycle insurance policies are developed by road-loving specialists who understand what matters most to motorcyclists like you.

From cruisers to dirt motorcycles, sport, trikes, vintage, electric, and scooters, Foremost offers nearly everything! In addition to the liability and physical damage coverages you may get in standard vehicle insurance, Foremost motorcycle plans are particularly intended for motorcycle enthusiasts and give great coverage at a reasonable price.

Motorcycle Insurance Coverages

• Replacement Cost Total Loss Compensation: New bicycles are covered for up to five years by the replacement cost under plans with the Elite package. This coverage does not apply to customized, classic, or antique bikes.
• Transport Trailer Insurance: This offers coverage for a trailer constructed expressly for transporting your motorbike (up to $10,000 in value).
• Coverage for Helmets and Safety Garments: This includes helmets and goggles.
• Coverage for Optional Equipment: Plus and Elite packages offer optional equipment coverage. You may also raise your optional equipment coverage limits to a maximum of $30,000, which is ideal for custom paint, chrome, sidecars, and other aftermarket modifications to your motorcycle.

Motorcycle Insurance Discounts

• Multi-Vehicle: Receive a discount if you have more than one unit insured on the same policy. The more you have, the more you save!
• Multi-Policy: Our multi-policy discount applies to policies with all Farmers® companies, including Foremost and Bristol West.
• Endorsement:For riders who have fulfilled their state requirements and have the motorcycle endorsement on their driver’s license.

FAQ Motorcycle Insurance

• Will my insurance cover custom additions to my bike? Yes, custom additions are covered as part of optional equipment coverage, but make sure you purchase the coverage you need for your additions!
• I only want liability coverage. Is that an option? Yes, collision and other-than-collision coverages are optional and do not need to be purchased.
• Do I need collision coverage on my motorcycle? Collision is an optional coverage. Depending on the value of your motorcycle and your risk tolerance, you may want to purchase collision coverage. If you have taken a loan out to purchase your motorcycle, though, your lienholder may require you to purchase collision coverage.

Get a free motorbike insurance quote that’s personalized to your specific riding demands and budget. Call John Perry Insurance today at 863-777-4966.

RV and Motor Home Insurance

Why insure your recreational vehicle or motor home on an auto policy, when you don’t use it like an everyday auto?

Foremost – A Farmers Insurance Company insures the vast majority of recreational vehicles, including Class A, B, and C motorhomes, luxury motor coaches, travel trailers, fifth-wheels, and more!

RV Insurance Coverages

Towing and Emergency Roadside Assistance

This coverage removes the need to purchase a separate towing plan. Towing, jump starts, roadside assistance, flat tire costs, fuel delivery, and locksmith services are available with a single toll-free phone call. There may also be no out-of-pocket costs. Simply sign and drive. In addition, coverage for your RV and your tow vehicle is covered, regardless of who is driving or where you are in the United States or Canada.

Optional Total Loss Settlement

This option may save you literally hundreds of dollars compared to standard vehicle plans, which pay just the RV’s real cash worth for losses. In the case of a complete loss, the Optional Total Loss Settlement may provide for a replacement item of the same sort and quality from the same manufacturer.

Vacation Liability Coverage

This option may save you literally hundreds of dollars compared to standard vehicle plans, which pay just the RV’s real cash worth for losses. In the case of a complete loss, the Optional Total Loss Settlement may provide for a replacement item of the same sort and quality from the same manufacturer.

Personal Property Replacement Cost Coverage

A standard vehicle or homeowners insurance may not offer replacement cost coverage for your damaged, lost, or stolen personal property, but an RV policy from Foremost does.

Emergency Expenses Coverage

Pays for accommodation or transport home if your vehicle is damaged or destroyed by a covered peril more than 50 miles from home.

Other than Collision

This is included in our insurance coverage for travel trailers (optional for motor homes), but is often excluded from vehicle policies.

Other than The collision coverage applies to direct, sudden, and unintentional losses, such as fire, explosion, flood, falling items, hail, windstorm, collisions with birds or animals, mischief or vandalism, theft, and earthquake. In addition to accident coverage, permanent structures or equipment, such as awnings, satellite dishes, and TV antennae, are also covered.

RV Insurance Discounts

• Multi-Policy: Our multi-policy discount applies to policies with all Farmers® companies, including Foremost and Bristol West®.
• Air Bag: Receive a discount when your motor home is equipped with a factory-installed airbag system.
• Anti-Lock Brakes: Receive a discount when your motor home is equipped with a factory-installed Anti-Lock Braking System (ABS).

RV Insurance FAQ

• How much does RV insurance cost? The cost of insurance depends on several factors, including the type of RV or trailer, how you plan to use it, and the experience of the driver. It’s no surprise that a brand new, luxury motorcoach may cost more to insure than a camper van. But with optional limits and coverages, you should be able to find a policy that works for your budget.
• What if I live in my RV year-round? Full-timers will need to buy additional liability coverage, similar to what you would find in a homeowners policy. Foremost offers full-timer coverage for travel trailers, motor homes, luxury motorcoaches, and more. With RV coverage from Foremost, your insurance goes where you go.
• Do I need special insurance coverage if I have a custom RV unit? The digital nomad era is showing many of us that life on the road can bring the same luxuries we once thought were limited to our homes. Be sure to communicate all your customizations to your agent to determine eligibility as you select the coverages you want if you have a loss.

Why Choose John Perry as Foremost Personal Insurance Broker?

For more than 25 years, John Perry Insurance has been helping businesses and individuals like you to find an insurance policies that’s perfect for your needs servicing Bonita Springs, Cape Coral, Clewiston, Fort Myers, Labelle, and Okeechobee.

Being an independent agency, we have access to multiple insurance carriers including Nationwide Insurance Broker. We will quote and compare your information with each company in order to give you the best possible rate. John Perry Insurance offers:

PERSONAL INSURANCE

• Auto Insurance
• Boat Insurance
• Condo Insurance
• Flood Insurance
• Motorcycle Insurance
• RV Insurance
• Umbrella Insurance

BUSINESS INSURANCE

• Business Auto Insurance Business
• Business Owner Insurance
• Commercial Property Insurance
• Commercial Umbrella Insurance
• Condominium Association Insurance
• Liability Insurance
• Workers Compensation Insurance

Call John Perry Insurance for a free consultation and personal insurance quote today.

• CLEWISTON: 863-777-4966
• FORT MYERS: 239-204-3211
• LABELLE: 863-588-7336
• OKEECHOBEE: 863-824-5393