Foremost Insurance, part of Farmers, filed updates for its Kansas Dwelling Program – Owner Occupied.

The filing introduces a mandatory 2% wind or hail deductible for new policies issued on or after August 1, 2025, and for renewals effective on or after September 1, 2025. As part of the update, Foremost added a new 2% Wind or Hail Deductible Endorsement (Form 11581 09/24) that shifts deductible options from flat-dollar amounts to percentage-based options, while grandfathering existing flat-dollar deductibles. The company also revised rating factors, updated deductible options, and withdrew the $2,500 flat wind/hail deductible, incorporating it into a new rating table. Updates were made to the rate pages and program manual, though the filing carries no overall rate impact.

For this program, Foremost reported no overall indicated change and no overall rate impact, covering 4,415 policyholders and $9,930,181 in written premium, with no change in individual policy rates.