Foremost Insurance Agent
Yuba City, CA

Coverage for the Things Standard Carriers Skip

Founded in 1952, Foremost Insurance Group is part of the Farmers Insurance family and has spent over 70 years building specialty insurance programs for vehicles, recreational equipment, and property types that fall outside what a standard homeowners or auto policy covers. From mobile homes and vacant structures to luxury motor coaches and collectible cars, Foremost has a purpose-built program for virtually every specialty insurance need a Yuba City household might have.

Foremost Insurance Products Available Through Oakview

As an appointed Foremost agent, Oakview can quote and place the full range of Foremost property, vehicle, and recreational coverage for California clients.

Where Foremost Genuinely Stands Apart

These are the programs Foremost has refined over 70 years. No other carrier in our panel writes all four with the same depth of coverage and underwriting experience.

Foremost Coverage Summary

Local Foremost Agent for Yuba City and the Sacramento Valley

The Sacramento Valley has a high concentration of the exact property types and lifestyle assets that Foremost specializes in. Mobile home parks, RV owners, motorcycle riders, and Sutter Buttes cabin owners are all natural fits for the Foremost product lineup.

Foremost Insurance FAQ

• Is Oakview Insurance an appointed Foremost agent? +

  Yes. Oakview Insurance Services, Inc. (CA License #0L91635) is an appointed Foremost Insurance agent in Yuba City, California. We can quote and place Foremost's full range of property and specialty vehicle coverage for clients throughout California, Oregon, Washington, Nevada, and Idaho. Call (530) 674-5054 or submit a quote request and we will follow up within one business day.

• What is the difference between Foremost mobile home and a standard homeowners policy? +

  A standard homeowners policy is designed for site-built construction and does not adequately cover a mobile or manufactured home. Foremost's mobile home program uses policy forms developed specifically for factory-built housing -- accounting for the way these structures are constructed, anchored, and repaired. If you are using a standard homeowners form on a manufactured home, you may have significant coverage gaps in the event of a major loss. Foremost is one of the only carriers that has built a dedicated mobile home program from the ground up rather than adapting a standard form.

• Does Foremost cover all types of RVs? +

  Yes. Foremost writes Class A, B, and C motor homes, travel trailers, 5th wheels, and luxury motor coaches. Each has its own dedicated program with coverage options appropriate to that vehicle type. Class A motor home coverage can include full-timer options, emergency expense coverage if you are stranded during a trip, and vacation liability for when the coach is parked at a campsite. Travel trailer and 5th wheel programs similarly include agreed value options and specialized coverage not available through standard auto or homeowners endorsements.

• My home is currently vacant. Will my policy still cover it? +

  Most standard homeowners policies include a vacancy clause that restricts or suspends coverage once a property has been unoccupied for 30 to 60 consecutive days. If your home is vacant due to estate settlement, renovation, extended travel, or a gap between tenants, your current policy may not be protecting you. Foremost's vacant home program is designed specifically for this situation -- keeping you covered through the transition period. Contact Oakview as soon as a property becomes vacant or is about to become vacant so we can bridge the coverage gap quickly.

• Is Foremost part of Farmers Insurance? +

  Yes. Foremost Insurance Group is a member of the Farmers Insurance Group of Companies. This means Foremost policies are backed by the financial resources of one of the largest insurance groups in the United States. Foremost was founded in 1952 as a specialty carrier and has operated as part of the Farmers family for decades. Their independence as a specialty division means they have maintained their focus on non-standard and specialty property types rather than becoming a generalist carrier.

• Can Foremost cover my collectible or classic car? +

  Yes. Foremost's Collectible Auto program is designed for classic cars, antiques, muscle cars, and specialty vehicles. The key difference from a standard auto policy is the valuation method. Standard auto policies pay actual cash value at total loss -- which applies depreciation and often pays far less than what your car is worth. Foremost's collectible auto program uses an agreed value you establish with your agent at the time of policy issuance. If the car is totaled, you receive that agreed amount, not a depreciated market value. This is essential protection for any vehicle with collector or investment value.

• Does Foremost offer flood insurance in California? +

  Yes. Foremost offers flood insurance through the National Flood Insurance Program (NFIP), which is administered by FEMA. Standard homeowners policies universally exclude flood damage. In the Sacramento Valley, where the Feather River, Sacramento River, and their tributaries create meaningful flood exposure for many properties, flood insurance is often a requirement for mortgage approval on flood-zone parcels. Contact Oakview to discuss your property's flood zone status and whether NFIP coverage through Foremost is appropriate for your address.

• Why work with Oakview to get Foremost rather than finding an agent on Foremost.com? +

  Foremost sells through independent agents, which means any appointed agent can place your policy. The difference Oakview brings is that we represent Foremost alongside 100+ other carriers. If Foremost is the right answer for your mobile home, RV, or specialty vehicle, we place you there. If another carrier on our panel fits better on price or coverage, we tell you that too. You also get local representation for renewals, endorsements, and claims guidance rather than a national call center. Oakview's Yuba City office is a real local office -- call us directly at (530) 674-5054.