• 3.14 / 5 based on 35 Reviews | Submit Your Review
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  • For over 60 years, Foremost Insurance Group has offered a variety of different insurance plans to their customers. They are affiliated with a number of different nationally known companies, and have a series of plans designed in conjunction with them for their specific client bases. Foremost Insurance Group is a member of the Farmers Insurance Group of Companies, and was the first company in the nation to come up with a form of insurance for mobile homes.

    Financial Ratings

    A.M. Best:A
    S&P Rating:A

    Company Information

    5600 Beechtree Ln SE
    Caledonia, MI 49316
    (616) 942-3000
    http://www.foremost.com



    Company Reviews (35)

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    • 3 of 3 people found the following review helpful.

      Handled my claim very well, August, 2014

      When my insured motorcycle was stolen, I was paid significantly more than the bike's market value. Getting reimbursed for towing charges incurred when it was recovered was a breeze. They never tried to get out of paying or showed any interest in denying the claim. My claims rep was Dan B. and he was very friendly and helpful. Foremost was also the cheapest option for my motorcycle insurance, though that is not the case anymore now that I have a ticket on my record. I would definitely recommend them for motorcycle insurance.

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    • 2 of 2 people found the following review helpful.

      Cancelled too expensive, November, 2014

      First I sold my bike Turned in my plate and called foremost to cancel policy...I was told I must send a written copy to them with my name, policy number year, make, model, and date sold to cancel. I could not phone cancel...Don't you have computers I have bought and sold many vehicles in my lifetime....and a phone call was all it took.

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    • 2 of 2 people found the following review helpful.

      cheaper insurance, September, 2012

      I'm living mostly on Social Security and need to find something a little less expensive. I like to deal locally.

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    • 11 of 12 people found the following review helpful.

      Worst Customer Service Ever Experienced!, April, 2014

      I was offered Foremost auto by my agent over a year ago and decided to go with them and also save money with the automatic payment (AFT). Back in January I changed banks and payed with my debit that month. Then I went and changed bank info with my agent. Foremost never recorded my new bank acct info and never contacted me when they cancelled me the next month for non-payment. I went a week without insurance before I figured out they had never drafted my acct for the payment. When I called to find out what happened I was handled rudely by customer service, she kept interrupting me and would not stop to listen to what was happening. I started cursing at her (never cursed a customer service rep in my life) and demanding a supervisor and she hung up on me. I called back and when I finally could get a supervisor on, he took care of the issue and gave me the steps to correct the AFT with my broker again, very nice and helpful. The next month I call to make sure the payment is being drafted correctly and this customer service rep says there is no draft set up and she advises me to make the payment then. I asked if it would be better to wait until the next day and she says, your policy may be cancelled at that point, rudely again. So I take her advice and pay then. The AFT was in fact set up so they took the payment twice. This morning I call to get my money refunded and again another rude customer service rep (makes 3 so far) starts talking about the AFT that was rejected in January! I tell her all of that has been handled and I am only talking about last month and the double payment. She says she has to research my acct and after a 15 minute hold, finally gets back on the phone and says, I see you have a double payment and we advised you to make the second one. We will refund your money. If 3 out of 4 customer service reps at this company are rude and non-helpful, odds are most of them should be replaced.

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    • 4 of 5 people found the following review helpful.

      Horrible Insurance Agency & Adjusters, August, 2014

      We had home ins with Foremost for a year. This past January when we had the really cold weather, out pipes burst. My mothers bathroom ceiling started leaking a few days afterwards, so I called and reported that, not knowing that it was going to make them non-renew our policy. Nevertheless, I have an email from the adjuster stating that it wasn't going to be covered and I told him that I was fine with that. He emailed me a letter stating that he and I had agreed to withdraw that claim and I ASKED HIM WOULD THAT GO AGAINST US AND HIS WORDS WERE NO BC YOU ARE WITHDRAWING THE CLAIM. He was very rude to me and my mother. So if you live in North Miss beware of the this ins co and their adjusters bc they are very nasty, rude and ask questions that doesn't concern them. That what we pay insurance for. My mother has worked all her life and we've never been a family to abuse ins companies like other people do. We use it when we need to and these were incidents that we could not help, yet we get penalized for it. We've got insurance at another great company and we are very pleased bc we got several discounts that were helpful towards our monthly premium. And we bundled!

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    • 3 of 4 people found the following review helpful.

      Inconsistant, March, 2014

      First off, I paid all of my payments on time. I would received email reminders and I would pay promptly. All of a sudden, I stopped getting reminder notifications, fraud activity hit my account and my policy fell behind. Immediately, I paid what I could and contacted my rep. The agency stopped responding to my request, calls, emails, ect... to reinstate or to get another plan. After a year of service I expected to get treated with a little more professionalism. Finally, I was able to contact the customer service center where a woman told me they would contact me and get everything straightened out. However, I never received such contact. The price is great, but the professionalism is worthless and the communication is not any better.

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    • 3 of 4 people found the following review helpful.

      Dropped, renewed, dropped, November, 2013

      Someone said my dog bit them. After 6 months my family convinced me to do it, so I ended up going through my homeowners (claim was $800). They dropped me. I found one company, but it didn't cover me well. I needed adequate insurance, so I went to my bank. They found me someone at an incredible rate increase, but I had to have it. It ended up being with Foremost, so I figured they had decided to renew me with a larger rate. It had been a year since the first dog bite...well, she bit again. The person found out my insurance and put in claim without my knowledge. Now Foremost is blaming me for having them as my insurance because they dropped me before. They are saying I lied on my application...which I didn't. Probably not going to pay this claim and are dropping me again. (BTW...the first claim is still open. Just found THAT out! It's been almost a year!) Nightmare.

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    • 8 of 11 people found the following review helpful.

      increased premiums, April, 2012

      they increased our cost from 475.00 in 2010 to 731.00 a more than 50% increase in just a two year period. We feel this is too much and are looking for anew carrier.

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    • 5 of 7 people found the following review helpful.

      , November, 2012

      good company, comparing rates

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    • 5 of 7 people found the following review helpful.

      , September, 2012

      Just don't like the high cost of insurance for my mobile home.

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    • 5 of 7 people found the following review helpful.

      very good at time of need fast estimates, September, 2012

      had storm one night appraiser there next day issued check on spot

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    • 6 of 9 people found the following review helpful.

      cost of insurance, October, 2012

      insurance got to expensive for my home with my current company. My agent CALLED me and recomended I find new insurance which I am having a very hard time doing. Not fair.....

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    • 2 of 3 people found the following review helpful.

      renewal, October, 2012

      agent called and said premiums were rising to unbelievable prices and he knew i couldn't afford anymore.

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    • 8 of 13 people found the following review helpful.

      Rates, May, 2012

      They started us a a good rate. However, it increased by huge amounts and this past year by some 50%. We are gone from Foremost never to return.

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    • 3 of 5 people found the following review helpful.

      Bait and switch, July, 2013

      They raised motorcycle premium due to "credit score". The only problem is I have perfect credit. I called customer service and was on the phone for an hour trying to find out how this could be. The rep eventually stated that I shouldn't be concerned because all their customers get this same letter. I tried to obtain criteria for their decision but was informed it was proprietary info that they couldn't reveal. So I took my business elsewhere for twice the coverage at a lower price

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    • 3 of 6 people found the following review helpful.

      , October, 2012

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    • 2 of 4 people found the following review helpful.

      owner, September, 2012

      best company for mobile home

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    • 2 of 5 people found the following review helpful.

      Foremost-leaving area, January, 2013

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    • 1 of 1 people found the following review helpful.

      Foremost Horrible company to do Business with, February, 2015

      Horrible customer service they have no problem taking your money. But then 3 months later canceled our home insurance do to a Tab missing on the roof and stated we needed a whole new roof. HORRIBLE

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    • 1 of 1 people found the following review helpful.

      absolutely ridiculous, February, 2015

      45 minute hold time, so far, and counting. Customer service is the worse I have experienced. Scheduled tow service for my motorcycle, well in advance and tow truck never showed up. I don't cancel my policy tonight because my insurance agent is gone for the day but tomorrow this company is out of my life.

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    • 1 of 4 people found the following review helpful.

      , January, 2013

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    • 1 of 1 people found the following review helpful.

      , October, 2012

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    • 1 of 4 people found the following review helpful.

      , September, 2012

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    • 1 of 4 people found the following review helpful.

      , September, 2012

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    • 1 of 2 people found the following review helpful.

      , September, 2012

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    • 0 of 3 people found the following review helpful.

      , December, 2012

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    • 0 of 1 people found the following review helpful.

      , October, 2012

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    • 0 of 2 people found the following review helpful.

      , September, 2012

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    • 0 of 2 people found the following review helpful.

      , August, 2012

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    • 0 of 2 people found the following review helpful.

      , August, 2012

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    • 0 of 0 people found the following review helpful.

      Poor claim resolution, February, 2015

      I have insured my park model in FL thru Foremost since 2008. My annual premiums started at $1,000./year and most recently was $1400. to insure a 2008 Skyline. I recently filed my first and only claim due to the loss of roof shingles due to the wind. It took them over two weeks to issue a payment for this claim for my loss. To me that equates to poor claim settlement. I would not recommend them to even my worst enemy.

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    • 0 of 0 people found the following review helpful.

      Horirble claim department, February, 2015

      I had an accident and my own compnay said I wat at fault looking at the other party's pictures. They didn't even come out to check the evidence. THey said I PRETTY MUCH said I at fault when I have never saif that at all

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    • 0 of 0 people found the following review helpful.

      FOLLOW UP TO "ABSOLUTELY RIDICULOUS" REVIEW, February, 2015

      PLEASE IGNORE MY PREVIOUS REVIEW. I JUST REALIZED TODAY THAT YESTERDAY I WAS NOT DEALING WITH THE INSURANCE ITSELF BUT A TOW SERVICE COMPANY. THE FACT THAT THE TOW TRUCK DID NOT SHOW UP OR MY WAIT TIME THAT ENDED UP BEING 55 MINUTES UNTIL I GAVE UP SHOULD NOT AFFECT FOREMOST, AS I CAME TO REALIZE SO I WANT TO WITHDRAW THAT REVIEW AND CORRECT IT. ERROR WAS FOUND AND CORRECTED AND ALL IS GOOD NOW.

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    • 0 of 0 people found the following review helpful.

      Disappointed., February, 2015

      When I got a motorcycle, I called to sign up for insurance and found out my insurance company did not offer motorcycle insurance but the agent said they could get me insurance through Foremost. They ran my information and gave new a rate and I signed up. Fast forward a month and I got a notification in the mail from Foremost that they were cancelling my insurance for a minor violation from early 2013 (yes, almost two years ago). How did they not know this when they signed me up? And why would they cancel me anyway for a speeding ticket around 15 mph over on a highway from two years ago? I had to scramble to get other insurance. Horrible company.

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    • 0 of 0 people found the following review helpful.

      Website sucks, February, 2015

      RV Insurance; each time we "move" to a different state for a few months, they issue a new policy number, even though our homestate does not change. Website is about as horrendous as I have ever seen when trying to find out when and how much my next payment is. A simple "$XXX.XX is due April 2015" would be great, but all I can find is previous payments made, not next payments due. Also have not been able to pull a copy of the policy off the website - when I click a policy, it just asks if I want paper billing or not. Horrible set-up. We had a flat tire on the 5th wheel (supplied jack and lug wrench both broke)so we called - Foremost had no assistance on a weekend, so we went through our auto insurance company that Foremost is through... still could not get roadside assistance, so I bluntly told the auto insurance company that I will leave the 5th wheel on the side of I-10 and go get the tools I needed, and hopefully I would not have to make a claim for a stolen 5th wheel rather than for a flat tire. Foremost is good to appease a lienholder, but horrible with customer service.

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More About Foremost

Foremost Insurance Group is licensed for all 50 states, and boasts that their claims representatives are available 24/7/365, or all of the time -- for whatever problems may arise. Foremost offers an array of standard insurance plans, like those for homeowners, however, they also insure many things that other insurance companies do not. The full list is as follows:

  • Business Insurance
    • Umbrella
    • Worker's Compensation
    • Commercial Auto
  • Automobile Insurance
  • Home Insurance
  • Motor Home Insurance
  • Fifth-Wheel Insurance
  • Travel Trailer Insurance
  • Luxury Motor Coach Insurance
  • Mobile Home Insurance
  • Vacant Home Insurance
  • Landlord and Rental Home Insurance
  • Seasonal Home Insurance
  • Motorcycle Insurance
  • Off-Road Vehicle Insurance
  • Scooter Insurance
  • Golf Cart Insurance
  • Neighborhood Electric Vehicle Insurance
  • Snowmobile Insurance
  • Personal Watercraft Insurance
  • Boat Insurance
  • Collectible Automobile Insurance
  • Flood Insurance

Foremost Insurance Group offers a series of discounts depending on the policy. For example, you could receive a discount for paying electronically online, combining policies and paying for an entire years' worth of coverage all at once. Their website contains details on all of their policies, and states how to qualify for a discount.

In order to get insurance coverage through Foremost Insurance Group, you can either submit an online quote request through their website, call their 1-800 number, or contact a specific local Foremost Insurance Group agency. However, some of their insurance products are not available in all fifty states - you can receive flood insurance coverage through Foremost no matter where you live in the United States, but can only receive automobile insurance in 43 states.