Foremost Insurance Review

Foremost Insurance
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Where standard insurance products leave off, Foremost Insurance picks up, catering to drivers, vehicles, and properties that might not find coverage elsewhere. Once known as a mobile home insurance company, Foremost today is recognized for covering higher-risk drivers and homes as well as a wide range of off-road and recreational vehicles.

Foremost Insurance Summary

Foremost Insurance opened its doors in 1952 as the first company to provide mobile home insurance to Americans, and it remains their best-known product to this day. As the company grew more products were added, including another first when they introduced travel trailer-specific insurance policies. In 2000 Foremost became a part of Farmers Insurance Group, and the company is now affiliated with Zurich Financial Services Group, Bristol West Insurance, and specialty automotive insurer J.C. Taylor. The AARP endorses Foremost to provide mobile home and motorcycle coverage to its members through an AARP branded program.

Foremost is based out of Grand Rapids, Michigan and employs 2600 people directly. Foremost products are sold through over 38,000 Farmers and independent agents across all 50 states, although not all policy types are available in every state. Because the company accepts a wider range of risks, drivers with more complex needs and non-standard dwellings are often quoted through Foremost. They also specialize in off-road vehicles such as snowmobiles and ATV’s, recreational vehicles, and motorcycles.

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Insurance Products

Foremost offers insurance products in four main categories: auto, home, business, and “PowerSports”, which include off-road vehicles and watercraft. Some products are sold through affiliated companies, depending on the state.

Auto Insurance

Foremost offers auto insurance in most states – some through affiliated companies – and is considered a high-risk insurer, which means drivers who do not qualify elsewhere due to driving record, credit history or other issues may find coverage with Foremost. Auto insurance policies provide all of the required coverage and options of a standard policy including liability, comprehensive and collision, rental reimbursement coverage and roadside assistance. Additional benefits to Foremost insurance policies include:

  • Foremost Dynamite Deductible Endorsement (Deductible is lowered by $50 semi-annually or $100 annually on policy renewal.)
  • Single bill system with one renewal date for all Foremost policies
  • Multi-policy discounts across both Farmers and Foremost companies

Collectible car insurance is also available through affiliation with J.C. Taylor. Foremost also offers motorcycle insurance, including coverage for motorcycles that may be difficult to insure elsewhere such as high-powered superbikes.

Home Insurance

Foremost provides a variety of home insurance products, mainly focused on non-standard homes. This includes:

  • Mobile and manufactured homes
  • Vacation and seasonal homes such as cabins
  • Vacant properties
  • Properties that won’t meet standard insurance policy requirements

Landlord insurance policies are also available to provide coverage for rental properties. Due to the nature of some of these homes, coverage may differ from standard homeowner’s insurance policies.

Recreational Vehicles

Foremost covers a variety of different types of RVs, including luxury motor coaches, motor homes, travel trailers, and fifth wheels. The policies are specifically designed for the needs of RVs and provide a higher level of coverage than an add-on policy with your auto insurance, including:

  • Personal property, which has limited coverage under auto policies
  • Roadside assistance and towing of motorhomes, trailers, and tow vehicles
  • Full-timer coverage for people who also reside in their RV
  • Emergency expenses coverage in the event of a breakdown

Foremost “PowerSports” Products

Off-Road Vehicles

Foremost offers policies for most types of off-road vehicles, even harder-to-insure types. Policies include ATVs, dirt bikes, and snowmobiles. Policies include coverage for riding gear such as safety equipment and trailer coverage.

Boats and Personal Watercraft

Foremost insures a wide variety of watercraft include powerboats, sailboats, and personal watercraft, which can be difficult to insure. Personal watercraft coverage is not available in all states.

Scooters and Other Vehicles

Also available under the PowerSports category are products providing coverage for scooters, electric buggies, and golf carts, whose insurance needs are unique due to the type of usage.

Business insurance

Foremost offers a variety of different policy options for small business owners. Property and liability insurance, workers compensation, and commercial auto are all available, although some coverage is limited by state. Coverage is available for a range of businesses including retail, service, contractors, and wholesalers.

Additional Products

Foremost offers a variety of additional products including umbrella insurance and flood insurance through the National Flood Insurance Program.

Foremost Insurance Rates

Foremost does not offer online quoting through their website for price comparisons. Because the company provides coverage for higher risks in their home and auto divisions, their premiums may be on the higher end compared to standard policies. Foremost premiums are best compared to other higher-risk insurers rather that to standard insurers for an accurate comparison.

Foremost has a number of discounts available to help lower premiums, including discounts for EFT payments and for paying in full. Premium payments can be made online through the Foremost website as well as through automated funds transfers.


Foremost has a team of over 14,000 representatives, Mobile Claim Centers that are dispatched in the event of a major disaster, and a fleet of vehicles for claims investigations.

For personal lines claims, Foremost offers online reporting through the company website, and also offers 24/7 toll-free claims by phone. Foremost has a dedicated claims line for auto insurance claims, and a second line for all other personal lines claims. You can also file a claim through your agent.

For business insurance claims there is no online form, but a claim can be submitted via email. They can also be reported through a toll-free number or directly through your agent. Workers Compensation claims are reported through a different phone number than all other business claims.

After a claim is filed, it is assigned to a claims representative or team depending on the nature of the claim. Foremost will investigate the incident carefully, which may include a visit to inspect damages or loss locations. An estimate of damages is created and the claims representative will determine which coverage under your policy applies before resolving the claim and paying in accordance with the policy terms.

Foremost claims contact information including phone numbers and the online claims form for personal lines is readily available on their website.

Consumer Research and Complaints

Foremost is rated A+ by the Better Business Bureau, their highest rating available. According to BBB records, there have been a total of 80 complaints against Foremost over the past three years, with 20 complaints closed in the last 12 months. The BBB considers this to be a low level of complaints for a company the size of Foremost, which contributes to the high customer satisfaction rating the company has received overall. There is no record of any government actions against Foremost.

Financial Strength

Rating Company Grade Financial Outlook
AM Best A Stable
Fitch N/A N/A
S&P A+ N/A

Bottom Line

Foremost Insurance caters mostly to markets less easily served by larger, standard insurance companies. Drivers in need of high-risk coverage and owners of mobile or manufactured homes and other non-standard dwellings may find Foremost to be an affordable option. Foremost is also a good choice for those seeking coverage for off-road, recreational, and similar vehicles, and for watercraft. For anyone who already carries policies with Farmer’s Insurance, Foremost is a good option thanks to available multi-policy discounts.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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  1. Marie O says

    DO NOT BUY a Foremost Policy, ever. I was with State Farm for 12 years and made the mistake of being talked into getting this policy. I live in the State of Texas and this company sends adjustors to use their policy in ways not to cover you when unfortunate things happen to your home. Worst experiences with Foremost.

  2. Brian Anderaon says

    Never ever will i use foremost for insurance needs. Got a motorcycle policy. Was paying monthly and notified them 2 weeks prior to my going with another company for half the price. They say thank you for my business. I would receive check for difference in my payment and when the policy ended. 3 weeks later I get a bill for 66.84??? Called them, they say I owe more due to me cancelling. 2 mos of coverage and have to pay basic Lyons a 3rd payment for cancelling. Such BS. Stay away!!!

  3. Scottie Thomas says

    I recently purchase a motorcycle, and, before leaving the dealer, I contacted my car insurance agent about coverage. My agent stated his company did not write motorcycle insurance, but he represented another company that did. I thought the premium was very high, but, at the moment, I did not have a choice. The next day I began shopping other companies, and I found the same coverage through Dairyland for almost half what Foremost charged. I got a Dairyland policy, and I canceled my Foremost policy which I had for only 5 days. I had paid the first month’s premium of $49.60 when I took out the policy, and, since I only had coverage with Foremost for 5 days, I expected a refund. However, approximately a week after canceling, I received a bill from Foremost for another $15.40. I contacted my agent who researched this charge. He found something he did not know, and that was Foremost has a minimum premium of $65.00. I think this is unreasonable, but, since it was valid, I paid it. My issue is not so much the unreasonable charge, it is that this was not explained upfront. The agent who wrote the policy was not even aware of this. If you are considering Foremost, beware of hidden charges.

  4. Randy says

    Worst insurance company I’ve every had too deal with,for twenty years we paid our premium approximately $25,000 , no claims in this time period.
    Few months ago I noticed a soft spot in our laundry room floor I decided to investigate by cutting a hole in the wall to find a slow drip on a pex fitting, I was told it was not covered due to the fact it didn’t happen all at once and that it was considered a maintenance issue that I should have known about and had fixed before it rotted out the floor…. So apparently you should cut holes in your walls and check for leaks at least once a year just to make sure there’s no leaks in your walls!
    Kicker was six months later they cancelled my policy for none payment but they sent me back my last payment so not that I didn’t pay they didn’t accept my payment!
    Farmers and foremost are both crooked companies that work harder at paying share holders than taking of there customers!!!! Anyone that works as an adjuster for either co. Should be ashamed of their job and themselves….may the flees of a thousand camel’s infest all of you involved so they can slowly suck the blood out of you like you have us. People like this is what is killing America! Shame on you all…..

  5. delores williams says

    i echo mr. holloway’s complaint almost word for word. nothing else to add except in my case i was given a relined policy. my policy rate was very high and the people who run it are basically vultures who are all about ripping off anybody but especially people of color. they have nerve to send me a bill for $10.00 after taking me through the same changes reported by mr. holloway.

  6. Clint Halloway says

    The dealership recommended this insurance company and since it was a Saturday I thought I would try them. HUGE mistake! We were unable to get the paperwork originally and when we finally received it the information was wrong. The VIN was incorrect as well as the value of the vehicle. We paid almost $18,000 for the motorcycle but the paperwork we received showed the value at $12,500. When we asked that it be corrected we were told to cross it out and write the correct amount ourselves (which isn’t legal on a contract). Our first auto draft payment went through but the next one never cleared and we received a cancellation notice. When we called again we were told that it was set up to auto draft again but that date rolled by as well with no payment made. We never received the corrected paperwork and the policy was cancelled. We received another bill today (a month later) saying that we owe them $15 for the period that we were covered and hadn’t paid even though we called multiple times and were told it was taken care of on multiple occasions. Thank God we never had to file a claim. I can only imagine what a nightmare that would have been. Horrible customer service from both the people we spoke with. Don’t waste your time or money!

    • John says

      Also had a simmilar experience bought a car on black friday money was taken out for my insurance on the day i bought the car i called my bank to verify and they told me my funds were put back in my account because they had an invalid account number the funds wete never put back in my account right around the time my next payment was due the sent me a letter about cancellation and that i owe 422 dollars mind you my monthly payment is around 100 a month. and only a month has gone by this company needs a lawsuit against them.

  7. Vanessa says

    Absolutely dispize this company. They quoted me 200 and some change per month. Never was told about anything else and the next month rolls around and my insurance went up $103!!! When I reached out to the agent he never got back to me. I left several messages. 6 days until I can get out from these people and I get a fender bender. No big deal. These people drag their [Redacted] on doing anything. I STILL haven’t had my accident resolved and claim finished. It’s absolutely unprofessional and so deceptive to give a quote to someone and then jack up the rate because you didn’t tell me the quote included deductions for things I couldn’t verify and never said in the first [Redacted] place! Horrible customer service, horrible human, horrible company, just a bunch of money hungry LIARS.

  8. Bob schlief says

    Horrible company . My local agent was very interested in getting my bank account info in a text message and kept asking me to send her my account info or credit card info via text message. turns out I had problems paying my premium online . I called and she asked for my bank account info again and again. I cancelled my policy after 21 days of coverage now they would like and extra sum of money for early termination . I contacted her district manager and after telling him my issues he replied in a smart tone what would you like me to do about it ? and told me I should have just sent a check . [Redacted] these folks would love to misrepresent themselves and ask you to give them every opportunity to get your bank account info and credit card info out there .

  9. Gladys Gilbert says

    Water damage to kitchen floor, leak from water line on refrigerator, when ceramic tiles were pulled up, there was black mold, and the floor has to be replaced.
    Our home is so old no one else will ensure.
    We were denied because adjuster said it was a slow leak.
    tHE water had seaped under the tile, and we didn’t notice.
    Sorry Company, like throwing money down the drain.

    • jLEESINGER says

      Foremost is a terrible insurance company they explain nothing and explain nothing about how the deductible and depreciation are applied and then mail you a check. Then tell you met your max for the damage and if there is more after construction they will let you know. And when all damages are fixed then they will assess everything and then let you know if all the monies you paid will be refunded. Instead of applying the deductible once it’s paid.
      It’s all business and money!!! We switched insurance and so do 10 of our neighbors.. DON’T BUY THERE INSURANCE HORRIBLE CUSTOMER SERVICE AND AWFUL CLAIMS ADJUSTER LIKE [Redacted].

  10. taylena and caffery rubin says

    well again they have said they cannot help us on our roof repair. Raining badly in two spots, have pictures and now its so bad the ceilings on the inside will need
    repair as well. We have called foremost twice through the years, both times was told they cant help because there was no wind damage found, but hey its raining in our home, the water odor is bad and just pray no mold. this company is just out to get your money, they should be investigated. getting another insurance. and pray no one else be treatec like this.

  11. Aaron says

    Foremost paid for everything. 5 Star company. [Redacted] was my agent. He is professional and very fair with claims. I asked a pastor one day, how did you start playing piano for the church? He told me, Aaron I wasn’t the best piano player but I was available. [Redacted] made himself available to help me. Thank you Foremost!!!

  12. Howard Nettles says

    Claims agent just left, he told me not covered for water damage, due to rain. (not wind driven)
    Have never filed a claim in 12 years of having the policy, have paid over $15,000 in premiums.
    Changed to Foremost on AARP sponsorship. Guess they are unable to read our concerns, just want the money for sponsoring Foremost.
    Allstate agent said would cover water damage for $572.00. Foremost is $1172.00 with no coverage.
    So, guess what I am going to do?

  13. Vincent says

    Foremost Insurance is worst insurance company. They do not cover anything which was covered by another insurance.

  14. Jerry Jensen says

    Foremost Auto Insurance is absolutely ONE OF THE WORST auto insurance company in Florida. I have been a customer for three years. They’re people who handled a relatively simple Hit and Run claim for which I have full PIP and Uninsured Motorist Coverage, have insulted my insurance agent, and made go through three depositions, and in the final five minutes of the last one, the lawyer practically called me a liar.
    When I discontinued their insurance last week, they committed fraud and larceny by deducting over $1000 in premiums that I did not authorize for renewal, as had been the procedure for each six month renewal. I had gone to another company (“Flo” at Progressive) and paid six months there, but Foremost raided my checking account without authorization, and it took six days and multiple contacts and repeated sending of documentation to prove to them that they had taken an unauthorized deduction. I had threatened them that unless the refund was in my account today, I would file a fraud and larceny complaint with the Florida Insurance regulating Commission. Fortunately, for everyone concerned, there was the refund posted on my acccount.
    But I would advise anyone considering to purchase auto insurance in Florida from Foremost, Bristol West, Security or Farmers (they have themselves embedded with many legal shields), that you run away very very fast from there. They are an unethical organization. And I can’t even watch a J. K. Simmons movie anymore, since he is the Farmer’s Insurance TV spokesman, even through I used to think he was an excellent actor. But whenever I see him, I want to vomit now because of the horrible, insulting treatment by the Foremost/Farmers organization.

  15. Greg Huff says

    Never use these guys. I paid my premium for home owners insurance. A month or so later they informed me they were going to have to cancel the policy. I went to the trouble of getting another policy and paying for it assuming they’d return the remainder of my premium. I forgot about this until they sent me a renewal notice. It turns out they did not cancel the policy after all. They did not bother to inform me of this or I would have cancelled it myself. In trying to get them to return my premium I was informed they would not. As far as I am concerned these people are a rip-off. I will never do business with them again and will warn everyone I know they are not to be trusted. RIP-OFF.

  16. Brandon says

    NEVER use this company, we had our camper insurance with them. Found some water damage last week, I live in arkansas & had to deal with the adjuster in michigan. Sent someone out who was there 5 mins snapped a few pics then left. Called today to say it wasn’t covered because there was no “wind” or “limb” damage he could see. How can you come to that determination from sitting behind a desk 10 plus hours from me? Please explain? All he kept saying was it’s not covered blah blah blah! They were dropped 2 minutes after I got off the phone with him! Piece of [Redacted] company, 98 out of 100 reviews I have read we’re horrible please do your research & never trust this company! Quick to collect your money but find any & every way out of paying!

  17. Stephanie says

    I will NEVER ever use Foremost again. I used them for my boat insurance because we had switched insurance companies for a friend selling Farmers. I had them a year and tried to file a claim on the motor. The gentleman on the phone told me the claim would not be processed because the cracking fell under exclusion #13 or something rediculous like that. I asked how many exclusions they had on a simple boat insurance and he stated 19. To me if you have 19 exclusions chances are the things that are covered do NOT outnumber the amount of exclusions. Just rediculous. When asked if I could find the list of exclusions online he stated they would only be on my original paperwork. I will never use this company for anything again. Horrible customer service and shady.

  18. Dr. Peggy McCabe says

    Foremost insurance is the company AARP recommends for their members who live in manufactured homes. In late April 2014, a plumber found a hidden leak behind the shower wall, which he fixed but he also found mold, which eventually extended through two bathrooms, an entire bedroom, and a hallway that included cabinets. Everything in those rooms was demolished. Foremost denied the claim because it was a hidden leak. The company’s representative who came to look at it was rude, unpleasant, and accused me of lying about when I noticed a leak that brought the plumber in.

    A woman representative from the company called me and seemed very happy to tell me, Foremost would not cover hidden leaks. She said if we were in Georgia, they would have to cover it but they do not have to cover hidden leaks in Florida. I am in my mid-70s and had to take out a massive personal loan to rebuild, which is still not completed. (I’m humiliated to admit, I was scammed out of several thousand dollars).

    I wrote letters to every official, to our attorney general, to the head of our state’s consumer and insurance affairs, to AARP suggesting they advertise the companies from which they get some sort of bonus, to problem solvers, to the BBB, and to other agencies about the insurance company and about the person who scammed me.

    So here is my advice: if you have a manufactured home and you have Foremost insurance, make sure they cover hidden leaks in your location. I have developed all sorts of health problems and emotional traumas over this. –I now have a company that covers everything! and it costs me nearly $1,000 less than Foremost. My cat and I have lived in chaos with things that belong in bathrooms, bedroom, linen towers, and cupboards all over the rest of my home.

  19. Shawn Polly says

    This company was Fraudulent and broke the law, but worst of all they left me and my family without insurance. Here is my story. This company offered me a fire insurance policy. The first month I paid this company to start my insurance. By month two they suspended my policy. I called and spoke to [Redacted] (by the way [Redacted] should be fired for lack of professionalism) [Redacted] told me that my fire insurance policy had been suspended because my roof was missing a few tiles. I asked [Redacted] what does my roof have to do with fire coverage. He said you have water damage coverage in with your fire coverage. I asked him how did that happen? I told him I record all my phone calls and I would review my calls to determine if I had asked for it. When I reviewed my calls I discovered that I asked him if there was any hidden fees. I also told him that all I wanted was fire coverage and nothing else. He told me he would work on it and never got back to me. [Redacted] made at least five mistakes while we were dealing with him. I asked him through e-mail to send the policy info he sent pictures of twitter and facebook images etc. He also never returned my phone calls. His boss [Redacted] should also have his license taken away. I told [Redacted] several times what [Redacted] was doing and he never corrected him and always passed me on to [Redacted] to work out the problems. I have spoke to an attorney and what your company did is illegal. You can’t offer a service get the money and then deny service. It’s called fraud. When I get my taxes I will have the $700 to file a small claim on this company and make them pay me back along with attorney fees and court costs. I also hope your company gets fined by the state of California. Your company does not care about keeping families safe you just care about the money. Your company is more than welcome to contact me about this issue!

  20. Teresa Mendenhall says

    Very upset with foremost. I have had this insurance over 10 years and no claims over last 5 years…the claim I had a long time ago was 800.00. My bill increased from last year 407.00 dollars we are retired and this is unreasonable. Policy number [Redacted].

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