Foremost is The Landlord and Rental Property Insurance Specialist.

Foremost is The Landlord and Rental Property Insurance Specialist.

2 3 5 1 4 5 Avenues to Find New Landlord Business Ready to increase your client base? We ve put together a solid list of five streams for you and your agency to find new landlord business. 1. LANDLORD ASSOCIATIONS These organizations are typically filled with valuable resources for both new and seasoned landlords. Landlord associations provide property professionals and accidental landlords with support, education and advice to help them run their properties smoothly. Plus, Foremost offers members a discount on their policy just for being a part of the association. We recommend sitting in on an association meeting or attending an event to network with prospective landlords. Come prepared with marketing materials and your elevator pitch! 2. REAL ESTATE AGENTS Real estate agents are keen to movement in their market. Seek out top local real estate agents at networking events or via LinkedIn to foster a business relationship. Established realty agents, and those that specialize in rental and/or investment properties cater to a similar audience as landlord insurance agencies. Develop your relationships to promote your agency through their endorsement. 3. ZILLOW.COM REAL ESTATE SERVICE* AND OTHER DIGITAL MLS Zillow.com, Trulia and Realtor.com are established online real estate databases. Using their sites (or apps) can provide you with firsthand information on listings in your target market. Use the search and filter features on the rental tab to get the scoop on which properties are ideal to research. If you come across units you d like to prospect, contact the listing manager and request a meeting. These sites typically also feature an advice section that is much like an open forum for others to help each other out on all things home and rental. Be sure to check out the terms of service before you jump in and solicit business. 4. DIGITAL MARKETING Browsing Facebook isn t just for catching up with friends and family. Use the site s search bar to your advantage! Search for local groups and postings about landlords and tenants. If you find a post about a room for rent, reach out to the person who posted it they might be the landlord. Or if they re a tenant, follow up with a request to get their landlord s contact information. Speaking of Facebook, if your agency has a Fan Page, start delivering valuable content about property-related topics. For example, an article about the 10 tips for new landlords will generate interest and reach potential customers. Post articles from credible sources if you re not able to create your own original content but remember to comply with copyright requirements. Let s not forget about Twitter and LinkedIn professional networking services. These social platforms are also great for connecting with professionals who are looking for landlord education, tips and advice on the Web. Continued

Also, our new Social Media Suitcase is filled with content on a variety of topics geared toward landlords. Not social media savvy or need some pointers to grow your agency presence online? Get tips, tutorials and guides on how to set up and manage your own digital brand -- absolutely free. Visit SocialMediaSuitcase.com today. 5. LANDLORD EXPOS AND CONFERENCES Do a simple search on the Web to find an upcoming expo, conference and/or seminar, and then register as an exhibitor. These types of events are filled with landlords who own all types of properties. You ll be able to connect with dozens of people who may have insurance needs, so we recommend having brochures and other marketing material on hand. Foremost - The Landlord and Rental Property Insurance Specialist! Start quoting today at ForemostSTAR.com Foremost Means More. *Zillow.com is a trademark of Zillow, Inc. Not all products, coverages or discounts available in all areas. Foremost and the F logo are registered trademarks of FCOA, LLC, 5600 Beech Tree Lane, Caledonia, MI 49316. 9013393 10/15

DWELLING FIRE AND SPECIALTY HOMEOWNERS OVERVIEW DWELLING FIRE DWELLING FIRE SPECIALTY HOMEOWNERS SPECIALTY HOMEOWNERS DWELLING FIRE ONE Landlord and Rental, Vacation Rental, Owner-Occupied, Under Renovation (with restrictions), Seasonal and Vacant* DWELLING FIRE THREE Landlord and Rental, Vacation Rental, Owner-Occupied, Under Renovation (with restrictions), and Seasonal* FOREMOST CLASSIC ACV Homes that don t qualify for Replacement Cost policies* FOREMOST CLASSIC CL Customers with previous losses, customers who have been cancelled, declined or non-renewed, customers with some credit issues; homes in FPC 9/10, with woodstoves, secondary homes* COVERAGE A Dwelling Named Peril Comprehensive Comprehensive Comprehensive Total Loss Agreed Loss Total Loss Agreed Loss Actual Cash Value Replacement Cost Partial Loss Actual Cash Value Partial Loss Actual Cash Value Optional Repair Cost, Replacement Cost or Extended Replacement Cost COVERAGE B Other Structures OPTIONAL Named Peril OPTIONAL Comprehensive Comprehensive Comprehensive COVERAGE C Personal Property OPTIONAL Named Peril OPTIONAL Named Peril Named Peril Named Peril Actual Cash Value Actual Cash Value Optional Replacement Cost Actual Cash Value Optional Replacement Cost Actual Cash Value Optional Replacement Cost COVERAGE D Additional Living Expense OPTIONAL OPTIONAL COVERAGE E Loss of Rents (if applicable) OPTIONAL OPTIONAL in Additional Living Expense in Additional Living Expense LIABILITY OPTIONAL OPTIONAL MEDICAL PAYMENTS WITH LIABILITY WITH LIABILITY LANDLORD PACKAGE Includes minimum limits of: $1,000 Personal Property Landlord 10% Loss of Rents $100,000 Premises Liability Expanded, discounted Landlord Platinum package available in many states. Please see your Program Guide for details. Continued $500 Medical Payments Higher Limits are available AGENT CUSTOMER SERVICE BILLING TECHNICAL SERVICE: 1-800-527-3905 PROPERTY UNDERWRITING:1-866-219-6214

UNDERWRITING TIPS We know you re busy, and we know that every insurance company s underwriting rules are a little bit different. We want to make it easy for you to do business with us, so here are some underwriting guidelines to keep in mind! You are required to take and retain photos prior to issuing the policy, and photos need to remain in the customer s file. We underwrite the applicant s entire loss history, not just the losses at the location they are asking us to insure. Please make sure you ask your customer for details of ALL prior losses. The customer needs to answer all of the underwriting questions on the application. The completed signed application needs to remain in the customer s file. We do not accept homes with existing damage until the repairs have all been completed. Dwellings with missing roof shingles or missing siding are unacceptable. Dwellings need to be rated as vacant until the dwelling is occupied. Please indicate any renovations that the insured is conducting or planning. ELIGIBILITY GUIDELINES Dwelling Fire One Intended for properties that are at a minimum in marginal condition and exhibit at least minimal maintenance on both the dwelling and grounds. For Vacant dwellings valued more than $500,000 up to $1,000,000, property must be in above-average condition with no cosmetic conditions, and exhibit above average maintenance on both the dwelling and grounds. Dwelling Fire Three Intended for properties that are at a minimum in average condition with minimal cosmetic conditions and exhibit at least average maintenance on both the dwelling and grounds. Foremost Classic ACV Intended for properties that at a minimum are in average condition with minimal cosmetic conditions and exhibit at least average maintenance on both the dwelling and grounds. Foremost Classic CL Intended for properties that at a minimum are in above-average condition with no cosmetic conditions and exhibit above average maintenance on both the dwelling and grounds. *Underwriting Restrictions Apply. Please see your program guide for details. AGENT CUSTOMER SERVICE Billing Technical Service: 1-800-527-3905 Property Underwriting: 1-866-219-6214 Foremost Means More. Not all products, coverages or discounts available in all areas. Foremost and the F logo are registered trademarks of FCOA, LLC, 5600 Beech Tree Lane, Caledonia, MI 49316. 9013392 10/15

Become a Landlord and Rental Property Insurance Specialist! 64% of Foremost customers want to do business with a specialist* Curriculum includes product knowledge, sales skills, application & insurance education! WHAT? Our Foremost Landlord and Rental Property Insurance Specialist Designation is a program designed specifically to help you become more effective in making sure your customers know about the right coverage options for their rental properties! WHY? Because it s suggested that customers look for an agent who understands their specific insurance situation and that can be you with this designation! The Foremost Landlord and Rental Property Insurance Specialist Designation gives you the benefits of: Improved customer retention Higher close ratio Increased customer satisfaction Higher household density Enhanced professional reputation (including certificate and window cling) HOW? Contact your Foremost marketing representative to get started. If you don t have their contact information, log in to ForemostSTAR.com or call 1-800-237-6136. More... It only takes 3 hours a week! *2012 Foremost MH Market Facts Study

Grow your Landlord and Rental Business with Foremost Education TM 44 RENTAL AND % VACANT Rental and Vacant risks make up almost 44% of the housing market. That s about 58 million potential customers! 1 DID WE MENTION 16 % Foremost-appointed producers who completed a Dwelling Fire and Specialty Homeowners specific course saw a 16% increase in new business? 4 Visit ForemostEducation.com by logging on to ForemostSTAR and selecting Education, under Resources, to access courses. WE KNOW YOU RE BUSY. But if you can fit these three short courses into your schedule, you ll get: A better understanding of the Foremost Dwelling Fire and Specialty Homeowners programs Tips you can use to increase your retention Tools to better sell our programs! Courses Available: INSURING RENTAL AND VACANT Learn how to write more rental and vacant business with the help of this course. Learn target markets, occupancy definitions, rental and vacant policy options, and discounts in just 25 minutes. UNDERWRITING AND PROCEDURES TIPS Give us 25 minutes and we ll give you ways to help reduce underwriting cancellations and prevent unnecessary follow-up and rewrites, which allows you to focus more time on new business! 2 Get underwriting tips and learn the differences between physical and liability hazard condition requirements; knowledge you can use to maximize your understanding of the Foremost Dwelling Fire and Specialty Homeowners programs. SELLING RENTAL AND VACANT Learn superior selling skills to help capture your fair share of Rental and Vacant business. In just 40 minutes, you ll get acquainted with the Foremost Situation-Based Selling TM sales model, which will teach you how to effectively engage prospects and customers, uncover wants and offer relevant solutions for their situations. 51% of rental properties are 1-4 family units, something the Foremost Landlord and Rental programs specialize in. 3 51 % CURRENT. CONVENIENT. CHOICE. FOREMOST EDUCATION. Foremost Means More. 1 2012 Census Bureau Annual Estimates of Housing Inventory 2 In many cases, cancellation or non-renewal can be lifted if the customer makes the necessary changes and provides documentation to underwriting for review and approval prior to the cancellation or non-renewal date. Currently we reinstate roughly 40% of these policies. 3 2011 American Housing Survey data 4 For agents completing the Underwriting and Procedure tips course that shared their producer code in a survey. Performance comparison was 6-months prior versus 6-months post completion of the course. Not all products, coverages or discounts available in all areas. Foremost and the F logo are registered trademarks of FCOA, LLC, 5600 Beech Tree Lane, Caledonia, MI 49316. 9013419 10/15

Contact Foremost Today! Agency Contract Management 1-800-237-6136 acm@foremost.com Billing Technical Service 1-800-527-3905 Property Underwriting 1-866-219-6214 Report a Claim Personal Lines policies (Except Auto) 1-800-527-3907 Book a Landlord or Vacant policy! Processing System ForemostSTAR.com Social Media Marketing SocialMediaSuitcase.com Foremost Education ForemostEducation.com Consumer website Foremost.com If you have any other questions, contact your Foremost marketing representative. If you need your representative s contact information, call 1-800-237-6136. Foremost Means More. Product availability is based on authority and not all products and discounts are available in every state. Foremost and the F logo are registered trademarks of FCOA, LLC, 5600 Beech Tree Lane, Caledonia, MI 49316. 9013364 10/15

Improve your marketing strategy with the Foremost Social Media Suitcase! Ready to reach your customers online? Nearly 80% of consumers say that companies on social media influence their purchases!* The Social Media Suitcase will help your agency build a successful digital presence so you can engage and attract new customers. Our online tool is packed with educational examples, guides, videos and content. We take the guesswork out of creating valuable social pages that can boost your ROI. Why Visit? Learn how to market your agency on social media User-friendly resource for beginners and advanced users FREE grab-and-go content to share with your followers Generate leads with our social media tips Master your agency s social media presence today! SocialMediaSuitcase.com Continued *Statistic according to http://www.forbes.com/sites/marketshare/2012/05/07/are-brands-wielding-more-influence-in-social-media-than-we-thought/

Follow, get informed and interact with Foremost s social media pages! Bookmark these pages and visit them daily for sharable content, business tips, product overviews and updates. Facebook.com/ForemostInsuranceGuy @Foremost Industry trends, marketing ideas, great videos and product features. Linkedin.com/company/Foremost-Insurance Updates on severe weather, claims assistance, events, and re-tweetable useful content. Facebook.com/ForemostInsurance Learn about our brand, the products and tools we offer, and get advanced tips on how to market your business online. Informative, relevant and entertaining content that takes just one click for you to share on your own page. YouTube.com/ForemostInsurance Blog.Foremost.com Industry tips, business ideas, product overviews, and entertaining videos that will definitely give you and your customers something to talk about. Packed with safety articles, claims stories, and columns that cover topics related to our products. Great blog posts to share with your customers. Foremost Means More TM. More Social Media Tools For You. Not all products, coverages or discounts available in all areas. Foremost and the F logo are registered trademarks of FCOA, LLC, 5600 Beech Tree Lane, Caledonia, MI 49316. 9013421 10/15

VISIT FOREMOSTSTAR.COM TO BOOK YOUR PROPERTY POLICY TODAY! Not all products and discounts are available in every state. Foremost and the F logo are registered trademarks of FCOA, LLC, 5600 Beech Tree Lane, Caledonia, MI 49316. 9013424 10/15

You might not write a lot of Landlord business, but we do and have a long history of success! HERE S WHAT WE KNOW: Rental and Vacant risks make up almost 41% of the housing market. That s over 53 million potential customers! 58% of occupied rental or vacant properties are 1-4 family units Think Foremost - We specialize! Rental 32% 75% 1-4 Family Units Primary 55% Vacant 12% 9% 5-19 Family 9% Units 6% 20+Family Units Manufactured Home Source: 2014 American Community Survey Source: 2014 American Community Survey The rental market is increasing and homeowner rates are going down. Homeowner Rates Each 1% drop in homeownership creates about 1.2 million new rental properties. 63.0 2009 2010 2011 2012 2013 2014 Source: 2014 American Community Survey Log on to ForemostSTAR.com today to start quoting.

Foremost specializes in Landlord and Rental Property. Whether your customer is a professional Landlord who manages multiple properties or just rents one home, our policies can be tailored for them. In most states, we offer three options for Landlords: Dwelling and Personal Property premiums are discounted when customers choose CHECK US OUT: the Platinum Package! Platinum Landlord Create-Your-Own Personal Property $3K $1K Optional Loss of Rents 10% 10% Optional Premises Liability $300K $100K Optional Landlord Personal Injury* Included* Not included* Optional, if Premises Liability is purchased* Medical Payments $1K $500 Optional Replacement Cost on Dwelling Included Optional Optional Platinum Endorsement Included Not available Not available Other Structures Reduction in Coverage When Vacant 10% of Dwelling to $10K Applies after 90 days Named Other Structures - Optional Applies after 30 days* Named Other Structures - Optional Applies after 30 days* Higher limits are available in the Platinum and Landlord packages. Please note that not all packages and coverages are available in all states. For more specific information, see your state s program guide, which you can order from Supply Source on ForemostSTAR. *Varies by state Log on to ForemostSTAR.com today to start quoting.

Foremost is the carrier you should turn to for all your landlord business. We have always been the solution for hard-to-place landlord properties now we re also positioned to be your go-to market for standard and preferred landlord business because of our flexible and competitively priced packages. Features of our program: Policies can be fully customized based on what your customer wants We offer broad Underwriting eligibility for one-to-four family units There are no restrictions based solely on age of home We offer a scheduled policy for your multi-property customers We provide specialized coverage and policy flexibility Coverages you can sell: Loss of Rents High Liability limits Personal Injury Replacement Cost coverage on Personal Property Replacement Cost and Extended Replacement Cost on Dwelling Water Backup from Sewers and Drains Not all coverages are available in all states. Log on to ForemostSTAR.com today to start quoting.

Our discounted Platinum Package gives landlords superior, conveniently packaged coverage. We make it easy for your Landlords to choose excellent coverage with our Platinum Package in the Dwelling Fire Three program. The Platinum Package is available in most states. WHAT S? Log on to ForemostSTAR.com today to start quoting.

Discounts, Discounts, Discounts. We offer so many discounts within our Landlord and Rental program that your customer can save big bucks! Here s how the discounts stack up: Discounts vary by state and include - aage of home aburglar alarms ainsuring multiple properties with Foremost amembership in a landlord association ause of tenant screening ausing a property management company aclaim-free for past five years aplatinum Package With all those discounts and our competitive rates, Foremost is the right choice for your landlord customers. Log on to ForemostSTAR.com today to start quoting.

What s all the talk about DF1 and DF3? When you quote a Landlord, Rental or Vacant you ll want to write it under a Dwelling Fire One (DF1) or Dwelling Fire Three (DF3). These policies are unpackaged, so the base policy is Coverage A Dwelling only. Other coverages can be added. HOW TO CHOOSE: DF1 Dwelling Fire One policies Targets: Landlord, Vacation and Short-Term Rental, Vacant, Seasonal, Owner-Occupied* Base Policy: Named-Peril Coverage on the Dwelling Settlement Method for total losses: Agreed Loss Provision* Underwriting Guidelines: The property must be in at least marginal condition, and must exhibit at least minimal maintenance on the dwelling and grounds. DF3 Dwelling Fire Three policies Targets: Rental, Vacation and Short-Term Rental, Seasonal, Owner-Occupied* Base Policy: Comprehensive Coverage on the Dwelling Settlement Method for total losses: Agreed Loss Provision, optional Replacement Cost* Underwriting Guidelines: Must be in at least average condition with minimal cosmetic conditions, and must exhibit at least average maintenance on the dwelling and grounds. If insured for Replacement Cost, the property must be in above-average condition with no cosmetic conditions, and must exhibit above-average maintenance on the dwelling and grounds. Log on to ForemostSTAR.com today to start quoting. *Underwriting restrictions apply. See your program guide for details. Agreed Loss Provision for total loss, ACV for partial loss, but optional Replacement or Extended Replacement Cost.

Not all carriers love insuring Vacant homes, but Foremost sure does And we re good at it! It s easy to switch between Vacant status and Landlord use in most states. Vacant types we want to write Vacant Manufactured Homes Properties held in the name of an estate, an LLP or a Trust Homes under minor renovation A home that has been foreclosed Homes for sale Whether the home is between tenants, up for sale or held in the name of an estate, your customers want coverage that is designed for the unique situation of a Vacant home. Log on to ForemostSTAR.com today to start quoting.

Why does Foremost Mean More? Not only are we the Landlord and Rental Insurance Specialist, but we ve been writing insurance since 1952, and are a part of one of the most stable and longstanding group of companies in the industry. Foremost Insurance Group boasts a financial strength rate of A from A.M. Best, standing for an excellent ability to meet our ongoing insurance obligations. Every Foremost policy is serviced by the superior Foremost Claim Department with 24/7 access and quick, responsive claim handling. Foremost targets broad segments of the Personal Lines market and specializes in niche products that are generally not available from standard lines carriers. We offer multiple easy-to-use service solutions with access to online policy issuance, business tracking, customer management and tools to help you grow your business. Log on to ForemostSTAR.com today to start quoting.