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Foremost Insurance

Rating 2 / 5
313 Reviews

Foremost Insurance was founded in 1952 and began as a specialty insurer for travel trailers and mobile homes – something they still specialize in today. Here are a few key things to know about Foremost Insurance:
  • 2.0/5 average rating from users. Read reviews.
  • A+ rating from the Better Business Bureau (BBB).
  • Offers home insurance, auto insurance, motorcycle insurance and more.

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Foremost Insurance Reviews

The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/11/2025.

2.0
313 reviews from WalletHub and across the web

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@WalletHub
2 Star Rating
editor's review

 

Foremost Insurance Review

 

Foremost Insurance is a below-average car insurance company, given its high premiums and mediocre customer service. Plus, Foremost’s NAIC rating is 1.36, which means it has received more complaints than the average car insurance provider, adjusted for size.   

 

Foremost insurance is available in every state, although some coverage availability can vary between states.

 

Foremost Insurance Ratings

  • Reviews on WalletHub: 2.1/5
  • NAIC: 1.36
  • BBB: A+
  • AM Best: A

Foremost Insurance has not been accredited by the Better Business Bureau.

 

Foremost Auto Insurance Review Highlights


Basic Coverage Options – Bodily injury liability, property damage liability, personal injury protection, medical payments, comprehensive, collision, and uninsured/underinsured motorist.

 

Extra Coverage Options – loan/lease coverage, rental reimbursement, and roadside assistance.

 

Other Specialty Auto Insurance – collector car insurance and commercial car insurance.

 

Foremost Home Insurance Review Highlights

 

Foremost Insurance offers basic homeowners insurance policies, as well as coverage for mobile homes, vacant, seasonal, landlord, renters, owner-occupied condominium, vacant and landlord condominium, and flood insurance.

A homeowners insurance policy from Foremost Insurance protects your home and personal belongings from a variety of damage-causing risks. Foremost Insurance homeowners policies provide additional coverage for liability, vandalism and malicious mischief, and risks such as fire, explosion, windstorm, and hail damage. Their policies also cover medical bills and legal fees in case a guest gets hurt or their property is damaged at your home.

 

For condo owners, an insurance policy from Foremost Insurance will cover liability, personal property, and additional living expenses. Foremost divides the types of condominium insurance they sell based on whether the property is used by the owner or if it is rented or vacant. Foremost Insurance offers renters insurance, which covers personal property, liability, and additional living expenses.

 

Overall, Foremost Insurance has reliable property insurance options for a variety of situations.

 

Foremost Car Insurance Quotes

Driver Profile

Average Quote

18-Year-Old

$198 / month

21-Year-Old

$140 / month

45-Year-Old

$77 / month

45-Year-Old with a Speeding Ticket

$80 / month

45-Year-Old with DUI

$80 / month

55-Year-Old

$77 / month

65-Year-Old

$104 / month

Foremost Insurance charges more for car insurance than many other insurance companies. Given Foremost’s lackluster customer service, it’s difficult to justify their high premiums.

 

Bottom Line: Is Foremost Insurance a Good Company?

 

Foremost Insurance is a below average insurance company, given its mid-range pricing and large number of customer complaints. Foremost Insurance’s most notable insurance options include auto, homeowners, marine, motorcycle, and RV policies.

Product: Foremost Insurance Car Insurance
Comment
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Photo of valeria7272

@valeria7272
1 Star Rating
I am extremely disappointed with Foremost Insurance. Despite having several adjusters come out to inspect my roof, they ultimately refused to cover the cost of replacement or repairs. Each adjuster provided different information, and the process was dragged out over weeks with no clear answers. I pay my premiums on time and expected my policy to offer protection in situations like this. Instead, I was left with a damaged roof and no support. I do not recommend this company to anyone seeking dependable coverage or fair treatment. This is how insurance companies that don't care about their clients operate, always eager to take your money and hesitant to provide coverage. Please don't ever get your insurance with this company.

- Delgado Family
Product: Foremost Insurance Home Insurance
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Photo of rquillin97

@rquillin97
1 Star Rating
Foremost refused to insure my home because of its age. I hope this company goes under. They discriminated against me because of the age of my home. Hopefully, their insurance gets so high that they can’t afford to stay in their homes.
Product: Foremost Insurance Home Insurance
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Photo of jenmesty

@jenmesty
Sounds like a bad company for sure. We just found out they will not insure our ADU and they are dropping us from our current coverage. A double screw you to a customer that pays their premium and no claims in 5 years!!
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Photo of bluehorse24

@bluehorse24
1 Star Rating
Incredibly disappointed with the way Foremost Insurance is treating my 80-year-old mother. They are trying to bill her for a mobile home she sold over a year ago, and she has been repeatedly harassed and threatened with collections when she no longer owns the mobile home. Please fix your services and customer service.
Product: Foremost Insurance Home Insurance
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Photo of mortyone

@mortyone
1 Star Rating
I gave Foremost a one because they only issued the policy. That was as far as their service went. Unless you can foresee or predict every possible circumstance to file a claim for your home, don't use them. I had a winter snowstorm that was heavy, it melted, and then heavy rain afterwards caused flooding in my garage. It refroze and pushed my blocks to the point of collapsing. They said it wasn't covered due to flooding; how illogical is that? I'm not even in a flood zone. I told my wife after reading the reviews that they would find some way to deny the claim, and that's exactly what they did.
Product: Foremost Insurance Home Insurance
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Photo of fleyva1992

@fleyva1992
1 Star Rating
If zero were an option, that would be my rating.

My restroom flooded back in December. I was dealing with Chris Vance, and let me tell you, it's been the worst experience I've ever had. For me to write a review, you know it's horrible. They sent out Service Masters; the guys came to my house, did their measurements, and the next day they went back and couldn't remember what they had come for. I tried to get a hold of Chris, and it took 2-3 weeks before we actually spoke about what was going on. Then, about 2 more weeks after that before he actually showed up at my house. After we spoke about what needed to be done, I didn't hear from him again. I called his supervisor and still didn't get a call back. He left me a voicemail in February, and I took my time to answer back because the level of frustration and irritation was beyond my breaking point. I sent him a text and have not heard anything back. I understand that they are busy, but someone who really cares about their customers or their job would make an effort to be there from start to finish. The amount I was quoted as a claim was less than what I was initially quoted. I asked for them to come back and review, and I still haven't received anything. I would stay away from this insurance company by all means. I don't have anything good to say about this company. I don't even understand how they can be okay with people paying premium prices for subpar services.
Product: Foremost Insurance Home Insurance
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Photo of spank47

@spank47
1 Star Rating
The absolute worst insurance company that I have ever had to deal with when filing a homeowner claim. Dealt with an adjuster named Isaac Duncan who seemed right from the beginning of conversations with him that Foremost wasn’t going to cover for the damage to my roof and interior of my house. Told me it probably was ice daming which was not covered, which it certainly wasn’t.
Isaac Duncan couldn’t find an adjuster in my area for days after filing my claim until I pressed him about finding someone and he said I could have a contractor go look at the roof and write a report.
Unfortunately it snowed 2 days before the contractor came out and Isaac was told there was still snow on the roof but said take them anyway and he would take his professional opinion as to what caused the leak. If Isaac called back in a timely manner the contractor could have taken the pictures before it snowed. Unfortunately Isaac Duncan lied and didn’t take the contractors word and denied the claim 2 weeks later. Cost me $950 for the report and I have to wait to be reimbursed by Foremost. Also either Isaac or his supervisor Sarah Bibbs never call you back until the end of the day. Worst customer service. Run the other way from Foremost. Will be hiring an attorney and an engineer. Would give negative rating if it allowed
Product: Foremost Insurance Home Insurance
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Photo of braden_russom

@braden_russom
1 Star Rating
Farmers/Foremost Insurance: Refusing to Cover Full Cost of Drywall Repair Despite 10 Years of Premiums

After 10 years as a Farmers/Foremost policyholder with consistent on-time premium payments, I am documenting my recent experience with an interior drywall damage claim.

The facts of the situation are as follows:

1. Farmers/Foremost has acknowledged that my interior drywall damage is covered under my policy.

2. The insurance company has issued a payment of approximately $700 for the covered damage.

3. I have obtained three separate professional contractor quotes for the necessary repairs. The lowest quote is $3,500, and this does not include all required materials.

4. When presented with these three independent professional quotes, Farmers/Foremost representatives stated that all three quotes were "unreasonable" and suggested I continue searching for lower-cost options.

5. Upon inquiry, the claims representative, Kevin Moser, explained that the $700 payment amount was determined by inputting data into a spreadsheet program that calculated the payment, without apparent consideration for actual repair costs in my area.

6. My premium payments to Farmers/Foremost over my 10-year history as a policyholder exceed the amount of this claim. When I inquired about this fact, the representative declined to address the question.

7. This matter has remained unresolved for one month despite multiple communications with my broker, contractors, and Farmers/Foremost representatives.

8. Communications with Farmers/Foremost have been consistently one-sided; representatives do not return calls unless repeatedly contacted.

The end result is that I must pay over $2,800 out of pocket for repairs that Farmers/Foremost has acknowledged are covered under my policy.

I am providing this information so that other consumers can make informed decisions regarding their insurance provider selection.
Product: Foremost Insurance Home Insurance
Comment
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Photo of lunameylin

@lunameylin
1 Star Rating
Car insurance with terrible service offers you assistance, but when an incident or an accident occurs, they do not want to comply. They make it difficult for you, and even worse, the secretary or receptionist does not perform their job. That is the problem today with these cheap car insurance companies—I do not recommend them at all.
Product: Foremost Insurance Car Insurance
Comment
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Photo of emilysunle

@emilysunle
1 Star Rating
If you want to get a refund for the cost of the insurance you haven't used for the remaining months, avoid using this insurance company because they won't refund your money. I sold my house in August of 2024, and I should still have more than $1,200 for the unused months that need to be refunded. Now it has been six months, and I haven't received the refund. In the past six months, I have called them more than 10 times, with and without the insurance agent, to the customer service of Foremost Insurance. They always say that there is something wrong with their system and ask me to be patient with the same excuse every time, which makes me think that they don't want to refund the money at all. This is not legal. I am still trying to get them to refund my money. If I can't receive my money within this month, I will report to the relevant authorities that they have illegally withheld the cost of my unused insurance. There is a reason why people only give one star to this insurance company.

Originally, I called the Farmer's Insurance broker to buy the insurance, but the insurance broker brought me Foremost Insurance, and he told me these two companies are the same. Now I think I was scammed into buying the insurance that many people do not want to buy due to so many one-star and bad reviews of this insurance company. It seems they put pressure on brokers to sell Foremost insurance without the customers' knowledge. The advice is to be sure to see clearly which insurance company you are buying from. Don't be misled, or you'll regret it.
Product: Foremost Insurance Home Insurance
Comment
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Photo of saezspiritual

@saezspiritual
2 Star Rating
I have car insurance with Foremost/Bristol. I am trying to view/print my ID card right from the website under "my policy." It does not allow me to print and says to contact "customer service." I had been on hold for close to 40 minutes. I tried other numbers, and it is the same story. I have to take my car for an inspection and need to have up-to-date proof of car insurance. The one I have is old. What kind of customer service is this? I am still on hold. This is unreal, terrible service.
Product: Foremost Insurance Car Insurance
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Photo of kristin_s_duncan

@kristin_s_duncan
1 Star Rating
Run. They are a scam. We were affected by Hurricane Helene in Western NC in late September 2024. Our rental property was not physically damaged, but the water lines in our community were destroyed. It will take months to fix. There was no power for about three weeks. We have insurance via Foremost for loss of rent in the event of natural disasters and such. They are denying our claim and not giving us a single dollar, as they said the house is "livable" and not damaged. Our representative has been rude and uncaring. Can you imagine living in a home with no water or electricity for months, as a single mom with two kids, and someone telling you you are "lucky" and the house is completely livable?
Product: Foremost Insurance Home Insurance
Comment
1
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Photo of mscheuttler

@mscheuttler
1 Star Rating
Take your money, then say your roof is too old to be covered, then cancel you, and refund less than the amount of the breakdown by monthly payments. No surprise they have a 2.1 rating. I should have researched instead of just going with my former agent's recommendation. I went to Travelers and now have a policy that covers 85% of my aged roof and is 47% cheaper.
Product: Foremost Insurance Home Insurance
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Photo of Ccowgirl1

@Ccowgirl1
Same thing is happening to me right now with them. After taking my down payment the end of August for it not to start until September 16 then send me cancelation before inspection ever took place.
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Photo of robingraham24

@robingraham24
1 Star Rating
Worthless, do not waste your money; they will not help you and will deny any claim. Pay for 15 years for nothing! Don't give them your money. PIECE OF CRAP COMPANY
Product: Foremost Insurance Home Insurance
Comment
0
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Photo of brendasuem60

@brendasuem60
I am dealing with this same thing! Water damage destroyed my kitchen and dining room over 3 months ago and I still have nothing!
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Photo of lilyj1112

@lilyj1112
1 Star Rating
STAY AWAY!!! Foremost has the worst customer service on the planet! They put you on hold for an eternity, transfer you around from person to person, each of whom knows less than the previous one and is more rude than the last. I can't even believe these people are still in business with the way their employees treat people. By the way, don't be fooled by their "A" rating with the BBB. That rating is bought and paid for by companies. The BBB clearly states on their page that their rating has nothing to do with customer reviews, therefore, customer satisfaction. I wouldn't use them even if they insured me for free!
Product: Foremost Insurance Home Insurance
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Review Foremost Insurance

Foremost Insurance Offers

Boat Insurance
Car Insurance
Commercial Auto
Flood Insurance
Home Insurance
Motorcycle Insurance
Renters Insurance

Foremost Insurance Q&A(23 questions)

Get answers to your questions about Foremost Insurance below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

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Upvotes

Is Foremost an A-rated insurance company?

Reply
0
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Leif Olson, Car Insurance Writer

Foremost is an "A" rated insurance company, according to AM Best and the Better Business Bureau (BBB). Foremost Insurance earned an "A" from AM Best because it is in a good position to pay out claims to customers, and its "A" rating from the BBB means Foremost is transparent and handles customer complaints well.

Car insurance companies are rated on a variety of metrics in addition to financial strength, including customer satisfaction and claims processes. Below, you can find a few additional ratings for Foremost that speak to its overall reputation.

Notable Foremost Ratings

  • AM Best: A
  • WalletHub Editors: 2/5
  • NAIC: 1.30
  • BBB: A

To learn more, check out WalletHub's review of Foremost.

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0
15
Upvotes

Who owns Foremost insurance?

Reply
15
0
Lilah Butler, Car Insurance Writer
Foremost Insurance is owned by the Farmers Insurance Group. The Farmers Insurance Group of Companies is based in California, has owned Foremost Insurance since 2000, and specializes in providing insurance coverage for automobiles, homes, and small businesses.

Notable Companies in the Farmers Insurance Group

For more information, check out WalletHub's complete reviews of Foremost Insurance andFarmers Insurance.

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