Foremost Insurance Group introduced new dwelling fire policies and endorsements specifically designed for landlord, owner-occupied or vacant properties, effective Sept. 1, the company said.

Foremost, which will include standard and preferred business in this program, plans to write all new business on the new Dwelling Fire One or Dwelling Fire Three policies, while current customers will be moved into the new program at renewal, the insurer said.

Foremost’s new underwriting now accepts vacation rental properties and homes with open foundations. Foremost said that among the changes to the dwelling fire program is the possibility that homes up to 15 years old may qualify for an Age-of-Home discount up to 25%; that Baltimore, Carroll, Harford and Howard counties  re now part of Territory C with a new lower base rate; and that lower rates are available for homes valued at more than $120,000.