Foremost Insurance Expands Dwelling Fire Program in South Dakota

Foremost Insurance Expands Dwelling Fire Program in South Dakota











Foremost logo


Caledonia, MI (Vocus) April 3, 2010

Foremost Insurance Group is expanding its Dwelling Fire program in South Dakota effective April 1, 2010. Foremost® is targeting standard and preferred landlord and rental property customers with new, larger discounts.

“We’ve improved our competitive position in the market, so we’re not just limited to non-standard business anymore,” says Karen Marszalec, Foremost zone executive director. “We now target standard and preferred business, too. In addition, there are numerous discounts in the new program to help agents sell and retain business.”

Some of the changes to the Dwelling Fire program include:

    Financial Responsibility Scores are being used as a rating parameter for landlord business (new business only) with a discount of up to 20%.
    Owners with another personal lines or qualifying life policy with Foremost, Farmers®, Bristol West® or 21st Century may qualify for a 5% discount.
    Owners with more than one rental or vacant property insured with Foremost may qualify for a discount of up to 10%.
    Owners using a Property Management Company may receive a discount.
    Landlord Association members may receive a discount.

Foremost is also broadening its underwriting and accepts the following:

    Homes with open foundations
    Customers who have had a lapse in coverage
    Customers with up to five losses
    Multiple dwellings on premises
    Vacation rental properties

Foremost-appointed agents can book expanded Dwelling Fire business on http://www.ForemostSTAR.com. To become appointed with Foremost, agents can call 1-800-237-6136 or visit http://www.ForemostAgent.com. To share your feedback, visit our Facebook page at http://www.Facebook.com/foremostinsurance or our Twitter page at http://www.Twitter.com/foremost.

Foremost Insurance Group is a single source for personal property and casualty and commercial insurance. A part of the Farmers Insurance Group of Companies®, Foremost has been a leader in the insurance industry since 1952. Foremost is headquartered in Caledonia, Michigan.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







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Farm Fire Risks Campaign Launched

Farm Fire Risks Campaign Launched











Andrew Dinnis


Truro, Cornwall, UK (PRWEB) September 8, 2009

Cornish Mutual is warning farmers across the region about significant fire risks during harvest time.

A new campaign is being launched by the farm insurance specialists to raise awareness of the potential dangers of farm fires and steps that landowners can take to reduce the risk of blazes from happening.

It comes as figures released by Devon and Somerset Fire and Rescue Service show that during 2008/09 their crews attended 133 farm fires – 80 involved barns or agricultural buildings and hay. 53 call-outs dealt with vehicle fires including tractors and combine harvesters. Of the 133 fires, 47 may have been started deliberately.

Latest statistics from Cornish Mutual show that over the last year they handled 34 claims involving farm fires worth £319,000 – eight of which involved farm machinery. The firm has also handled 26 claims from Members who have been victims of arson during recent years.

Philip Wilson, Cornish Mutual’s Area Manager for Devon, Dorset and Somerset said: “Farm fires are surprisingly common and there are practical steps that all landowners can take to minimise the risk of blazes occurring. It is a good idea for farmers to consider carrying fire extinguishers on all their vehicles – this is just one simple measure that people can take.”

He added: “As well as the physical damage, fires can also lead to significant financial losses and huge disruption to businesses. Fires cause more damage to industrial and commercial property than any other hazard. Farmers Insurance and taking steps to prevent fires can provide important peace of mind and minimise disruption.”

Andy Justice, Fire Investigation Manager for Devon & Somerset Fire & Rescue Service said: “Every year in the UK 1,700 farm buildings and 66,000 acres of grassland are destroyed by fire. Fifty per cent of these fires are started deliberately, either as an act of vandalism or fraudulent insurance claim. Where it is believed a significant crime has been committed or physical evidence is found at a fire scene, then a joint police/fire investigation is often initiated with the intent of identifying and prosecuting the offenders.”

Andrew Dinnis (pictured) runs the 500 acre Rydon Barton Farm in Talaton, near Exeter and knows all too well the cost and consequences of farm fires – his baler went up in flames recently.

He said: “It was quite scary just how quickly the fire spread from the flames that I saw initially coming from the electrical control box. We tried to get it under control using two fire extinguishers and driving the tractor away from the baler, but the fire started again just before the fire brigade arrived.”

Meanwhile, John Down of Park Farm, near Taunton fitted extinguishers throughout his fleet after his first tractor blaze and experienced a second machine fire last summer.

He explained: “You could see the smoke from miles away. We tried to put it out with water, but five gallons doesn’t go far. That’s when we decided to put two proper, powder extinguishers on everything. We were able to get the second fire under control using them, limiting the damage. For ten or fifteen quid, they can save a lot of time and hassle.”

Cornish Mutual has now put together fire safety advice for farmers in the region to consider:


Complete a quick and simple survey to identify potential risks and security measures – ask your local fire safety officer or insurance advisor for help

Check your insured values are high enough – machinery values have risen recently and you could be left short if you have to replace a machine

Make plans and ensure staff are trained in advance to deal with fire emergencies, including evacuating livestock

Remove hay and straw from fields as soon as possible after harvesting

Keep petrol, diesel, fertilisers and pesticides under lock and key in secure areas and dispose of refuse safely on a regular basis

Regularly check and maintain open water supplies for fire fighting and check equipment and farm machinery is in good order

Regularly clean out machinery to reduce fire risk from debris

Keep water and CO2 fire extinguishers on board and in dry conditions keep a sprayer filled with water on hand to lay a fire break

Resist the urge to keep going when the temperature gauges are in the red or bearings are running hot

If fire breaks out, send someone to the farm entrance to direct the fire service

More information can be found by visiting Devon & Somerset Fire and Rescue Service’s website http://www.dsfire.gov.uk

Every farm is unique – Cornish Mutual offer farm insurance packages that can include public liability, employers’ liability, property insurance, livestock insurance and personal accident cover. Other products include a tailored buy to let property insurance for property owners in the residential and holiday lettings markets, including public liability insurance, building and contents insurance, loss of rent insurance, employers and holiday home insurance.

Notes for editors:

Founded by a group of Westcountry farmers in 1903, Cornish Mutual is the only general insurer based in the South West. Even today, the company is still owned by its Members, and remains at the heart of rural communities throughout Cornwall, Devon, Somerset and Dorset.

Although staying true to its origins in agriculture (around two thirds of Cornwall’s farmers are Members), Cornish Mutual now provides household and holiday home insurance, commercial, events and personal accident insurance to Members of all descriptions, living or working throughout the South West countryside.

For more information, contact:

Melissa Ward    

Cornish Mutual    

01872 277151    

07702 673343     

mward (at) cornishmutual (dot) co (dot) uk

http://www.cornishmutual.co.uk

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







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Foremost Insurance Announces Improvements to Dwelling Fire Program in Texas

Foremost Insurance Announces Improvements to Dwelling Fire Program in Texas












Grand Rapids, MI (Vocus/PRWEB) February 01, 2011

Foremost Lloyds of Texas has improved its Dwelling Fire program. Foremost® targets landlord and rental property customers with new, larger discounts, including a discount for our Platinum Package for landlords.

“We’re excited about these improvements to our program,” says Debbie Boam, Foremost zone executive director. “The new discounts are a great benefit to customers, offering a competitive price for quality coverage.”

Some of the new discounts include:

    Insurance scores are now used as a rating parameter for landlord business, and customers could qualify for up to a 10% discount.
    The discount for newer homes ranges from 2% to 25%.
    Customers who have more than one rental or vacant property insured with Foremost qualify for a discount of up to 10%.
    Landlords using a Property Management Company are eligible for a discount.
    Landlord Association members are eligible for a discount.
    There is a tenant screening discount available for each of five types of screenings.
    Customers with no prior claims will receive a discount.

Introducing the TDP-3 policy for Landlords

Foremost now offers a Comprehensive TDP-3 policy for Landlords (not applicable in tier 1 or tier 2 counties.) “We understand that different landlords want different levels of coverage,” Boam says. “This comprehensive policy provides customers with the opportunity to purchase more extensive coverage for their rental properties.”

Foremost-appointed producers can book expanded Dwelling Fire business on http://www.ForemostSTAR.com. To become appointed with Foremost, producers can call 1-800-237-6136 or visit http://www.ForemostAgent.com. To share your feedback, visit our Facebook page at http://www.Facebook.com/foremostinsurance or our Twitter page at http://www.Twitter.com/foremost.

A part of the Farmers Insurance Group of Companies®, Foremost Insurance Group (“Foremost”) has been a leader in personal lines insurance since 1952. Foremost is headquartered in Caledonia, Michigan. Farmers is a trade name and may refer to Farmers Group, Inc. or the Farmers Exchanges, as the case may be. Farmers Group, Inc., a management and holding company, along with its subsidiaries, is wholly owned by the Zurich Financial Services Group. The Farmers Exchanges are three reciprocal insurers (Farmers Insurance Exchange, Fire Insurance Exchange and Truck Insurance Exchange), including their subsidiaries and affiliates, owned by their policyholders, and managed by Farmers Group, Inc. and its subsidiaries. For more information about Farmers, visit http://www.Farmers.com or http://www.Facebook.com/FarmersInsurance.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







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The Post Office Highlights the Value of Home Insurance as the Cost of Fire Damage Soars

The Post Office Highlights the Value of Home Insurance as the Cost of Fire Damage Soars










London, UK (PRWeb UK) February 6, 2010

Recent research by the Association of British Insurers has reported that the cost of fire damage in the UK is now higher than ever before. In light of these findings, the Post Office advises homeowners to ensure they take out adequate home insurance to cover valued possessions against fire.

During the first half of 2009, insurers paid out £639m due to fire damage, whilst the cost of the average domestic fire claim doubled to £8,000 in the last decade. In response, the Post Office is encouraging people to review their current home insurance policy to ensure any recent purchases, such as new electrical goods or furniture, are covered by their current levels of contents insurance.

Post Office Home Insurance advises homeowners to check specific home insurance cover levels are still appropriate to cover all fixtures, fittings and furnishings around the house. It is also worth considering the actual value of replacing all items in the home – including clothes in the wardrobe – when revisiting home insurance cover, to ensure everything could be replaced should a disaster such as a fire or flooding occur.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







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