Do you have this in writing? I urge you to read your policy. You'd be surprised by the number of agents who don't fully understand the policies they sell. If the claims adjuster denies your claim, your only recourse will be against your agent. And if you don't have in writing, you'll most likely lose. Policies are different between insurance companies and vary state-to-state. My State Farm homeowner's policy specifically excludes anything with a propelled by a motor/engine (unless it's used to service the insured property, such as a lawn mower). My agent had to make several calls to the underwriters to finally find the right policy for e-bikes.

You may very well have coverage with Foremost. All I'm saying is to read your policy. I know it's cumbersome to go through pages of legal jargon, but that's what the adjuster will interpret in case of a loss.