Foremost Insurance Review & Ratings (2024)

Uncover the in-depth Foremost Insurance review and ratings, enabling you to compare quotes and discover the ideal coverage for your peace of mind and financial protection. Gain insights into overall satisfaction, claims experience, cost, billing, and service satisfaction. Take the first step by entering your ZIP code now and get started on finding the right insurance solution.

UPDATED: Nov 26, 2023Fact Checked

Peyton Leonard

Published Author & Insurance Expert

Peyton Leonard is an insurance and finance writer living in Colorado Springs, CO. She is currently obtaining her Bachelor’s in English at Thomas Edison State University. Peyton is the author of “Lyme & Not the Fruit.” She also has experience writing for the business magazine, Productivity Intelligence Institute.

Published Author & Insurance Expert

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Agent

UPDATED: Nov 26, 2023

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Nov 26, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Nov 26, 2023Fact Checked
3.5
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Foremost Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A (Excellent)

Complaint level:

Low

Pros

  • Specialized Coverage
  • Competitive Pricing
  • Nationwide Coverage
  • Multiple Claim Filing Options
  • Mobile App and Online Account Management

Cons

  • Mixed Customer Reviews
  • Claims Processing Time
  • Outdated Website and Mobile App
  • Billing and Payment System
  • Limited Information on A.M. Best Rating and Average Annual Rate

Final Verdict: Review of Foremost Insurance

Foremost Insurance is a national insurance company that offers a wide range of insurance products, including auto, home, specialty, and business insurance. With a network of independent agents across the country, Foremost Insurance is committed to providing personalized service and expert guidance to help customers select the right coverage options for their needs.

Some of the key features of Foremost Insurance include competitive pricing and discounts that can help customers save money on their insurance premiums, a range of specialty insurance products for boats, motorcycles, and RVs and a commitment to customer service that has earned the company positive reviews from many customers.

However, there are also some potential drawbacks to consider, including a claims process that some customers have found slow and frustrating, and a billing and payment system that can be confusing to navigate. Additionally, the company’s website and mobile app have been criticized for being outdated and difficult to use.

Overall, it’s important to carefully consider the strengths and weaknesses of Foremost Insurance, as well as the cost of coverage, before deciding on insurance. Working with an independent agent can be helpful in this process, as they can provide personalized service and expert guidance to help you select the right coverage options for your needs.

What You Should Know About Foremost Insurance Group

Welcome to our comprehensive guide on Foremost Insurance. In this article, we will provide you with an in-depth review and ratings of Foremost Insurance, covering key aspects such as overall satisfaction, claims, cost, billing, and service satisfaction. We understand the importance of finding the right insurance coverage that fits your needs and budget.

That’s why we encourage you to enter your ZIP code below to compare rates from the best insurance providers. We’ll explore the different types of coverage offered by Foremost Insurance, including auto, home, specialty, and business insurance. By the end of this article, you’ll have the knowledge and tools to make an informed decision and secure the right coverage for your peace of mind.

Foremost Insurance History and Mission

Foremost Insurance has a rich history that dates back to 1952. Originally founded as Farmers Insurance, the company was created to provide insurance to farmers who had unique insurance needs. Over time, the company expanded its offerings to include coverage for mobile homes, motorcycles, off-road vehicles, and more.

Today, Foremost Insurance is a subsidiary of the Farmers Insurance Group of Companies and continues to specialize in providing personalized insurance solutions to their customers. The company’s mission is to provide insurance coverage that is tailored to the specific needs of their customers.

Foremost Insurance understands that each customer has unique insurance needs, and they work closely with their customers to develop a policy that meets those needs. The company is committed to providing exceptional customer service and support.

They have a network of agents across the US who are trained to provide expert advice and guidance to customers. Whether you need help selecting the right coverage for your unique vehicle or have questions about your policy, Foremost Insurance’s agents are available to help.

Foremost Insurance Group Insurance Coverage Options

Foremost Insurance is a specialized insurance provider that offers a variety of coverage options for customers with unique insurance needs. Here are some of the main products and services offered by Foremost Insurance:

  • Auto insurance: Foremost Insurance offers auto insurance coverage for a variety of vehicles, including cars, trucks, and SUVs. They offer liability coverage, collision coverage, and comprehensive coverage, as well as specialized coverage for classic and collector cars.
  • Home insurance: Foremost Insurance offers a range of home insurance options, including coverage for manufactured homes, mobile homes, and traditional homes. They offer coverage for both the structure and contents of the home, as well as liability coverage.
  • Specialty insurance: In addition to auto and home insurance, Foremost Insurance offers a range of specialty insurance products to meet the unique needs of their customers. These products include coverage for motorcycles, boats, RVs, off-road vehicles, and more.
  • Business insurance: Foremost Insurance also offers business insurance coverage for a variety of businesses, including contractors, retailers, and manufacturers. They offer liability coverage, property coverage, and business interruption coverage, as well as other specialized coverage options.

In what parts of the U.S. does Foremost insurance provide coverage?

Foremost Insurance provides coverage in all 50 US states and the District of Columbia. They have a network of independent agents across the country who can help customers select the right coverage options for their needs.

Foremost Insurance is committed to providing coverage that is tailored to the specific needs of its customers, no matter where they are located. They offer a range of insurance products, including auto, home, specialty, and business insurance, and their agents are available to provide expert guidance and advice to help customers select the right coverage options for their needs.

Here are the five steps to find the states where Foremost Insurance is provided:

  1. Visit the Foremost Insurance website.
  2. Click on the “Find an Agent” link in the top menu bar.
  3. Enter your ZIP code or state in the search bar and click “Search”.
  4. A list of independent agents in your area or state will be displayed, along with their contact information and the types of insurance products they offer.
  5. You can contact an agent directly to inquire about the states where Foremost Insurance is provided and to get more information about the types of coverage available in your area.

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Foremost Insurance Group Insurance Rates Breakdown

The cost of Foremost insurance will depend on a variety of factors, including the type and amount of coverage you need, your location, your driving record, and other personal factors. The cost of insurance can also vary depending on the type of policy you have, such as auto, home, specialty, or business insurance.

However, Foremost Insurance offers competitive pricing and works to provide coverage that is tailored to the specific needs of their customers. They offer a range of discounts to help customers save money on their premiums, and their agents are available to provide expert guidance and advice on selecting the right coverage.

Overall, the cost of Foremost insurance will depend on a variety of factors and will vary depending on the individual customer’s needs and circumstances. However, Foremost Insurance is committed to providing competitive pricing and personalized coverage options to meet the unique needs of their customers.

Foremost Insurance Group Discounts Available

Foremost Insurance offers a range of discounts to help customers save money on their insurance premiums. Here are some of the most common discounts available to Foremost Insurance customers:

  • Multi-policy discount: Customers who have multiple insurance policies with Foremost Insurance can save money on their premiums. For example, customers who have both auto and home insurance policies with Foremost Insurance may be eligible for a discount on both policies.
  • Paid-in-full discount: Customers who pay their entire insurance premium upfront may be eligible for a discount on their premium.
  • Safety course discount: Customers who complete an approved safety course may be eligible for a discount on their auto insurance premium.
  • Home safety features discount: Customers who have certain safety features in their home, such as smoke detectors, fire extinguishers, and security systems, may be eligible for a discount on their home insurance premium.
  • Motorcycle safety course discount: Customers who complete an approved motorcycle safety course may be eligible for a discount on their motorcycle insurance premium.

Breaking Down the Claims Process at Foremost Insurance

Ease of Filing a Claim

Foremost Insurance offers multiple convenient options for filing a claim. Customers can choose to file their claims online through the company’s website, over the phone by contacting their customer service hotline, or even via mobile apps designed for a seamless claims submission process.

This flexibility ensures that policyholders can select the method that suits them best, making the claims process more accessible and user-friendly.

Average Claim Processing Time

One of the crucial aspects of any insurance company is how quickly they process and settle claims. Foremost Insurance aims to provide efficient claim processing to minimize the hassle for their policyholders. While claim processing times can vary depending on the complexity of the claim, Foremost strives to keep the process as swift as possible, ensuring that customers receive the assistance they need promptly.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable resource when evaluating an insurance company’s claims process. Foremost Insurance has received mixed reviews from customers regarding their claim resolutions and payouts. Some policyholders express satisfaction with the company’s promptness and fairness in handling claims.

However, others have experienced frustrations with a perceived lack of transparency or delays in claim settlements. It’s essential for potential customers to consider these experiences when assessing Foremost Insurance’s claims process.

Pioneering Insurance: Foremost Insurance Digital and Technological Advantages

Mobile App Features and Functionality

Foremost Insurance offers a mobile app designed to enhance the customer experience. The app provides various features and functionalities, including easy access to policy information, the ability to file claims directly through the app, and quick communication with customer support. It also offers features for making payments and managing policy documents, making it a convenient tool for policyholders on the go.

Online Account Management Capabilities

For those who prefer to manage their insurance policies online, Foremost Insurance provides a robust online account management platform. Policyholders can log in to their accounts through the company’s website to access policy details, view billing information, and make policy changes.

This digital convenience streamlines the process of managing insurance policies and ensures that customers have easy access to their vital insurance information.

Digital Tools and Resources

In addition to their mobile app and online account management capabilities, Foremost Insurance offers various digital tools and resources to assist customers. These may include educational materials, articles, and guides to help policyholders better understand their coverage options and insurance-related topics.

These digital resources contribute to an overall comprehensive approach to customer service and support, empowering customers with knowledge to make informed decisions about their insurance needs.

How Foremost Insurance Group Ranks Among Providers

Foremost Insurance Group has established itself as a notable player in the insurance industry, offering a range of specialized coverage options for customers with unique needs. While the company has several strengths, it’s essential to consider various factors when assessing how Foremost Insurance ranks among providers.

  • Specialized Coverage Expertise: Foremost Insurance Group stands out for its expertise in providing specialized coverage, catering to customers with distinctive insurance needs such as mobile homes, motorcycles, off-road vehicles, boats, and RVs. This targeted approach allows the company to address niche markets effectively.
  • Competitive Pricing and Discounts: One of Foremost Insurance’s notable strengths is its commitment to competitive pricing. The company offers a variety of discounts to assist customers in managing their insurance costs, enhancing its appeal in a competitive insurance landscape.
  • Nationwide Presence: Foremost Insurance provides coverage across all 50 states and the District of Columbia, leveraging a network of independent agents. This extensive reach ensures that customers throughout the country can access the specialized coverage options offered by the company.
  • Customer Interaction and Claims Process: While Foremost Insurance offers multiple channels for customers to file claims, including online submissions and mobile apps, customer reviews indicate a mixed experience. Some customers express satisfaction with the ease of the claims process, while others have reported delays and frustrations.
  • Digital Tools and Resources: Foremost Insurance enhances customer experience through its mobile app and online account management capabilities. These digital tools provide policyholders with convenient access to policy information, claims filing, and account management, contributing to a more streamlined and efficient experience.

Foremost Insurance Group holds a prominent position among insurance providers, offering specialized coverage, competitive pricing, and nationwide accessibility. While customer experiences vary, the company’s commitment to tailored solutions and its extensive network of independent agents contribute to its standing in the insurance market.

Foremost Insurance Customer Reviews

Foremost Insurance has mixed customer reviews. While some customers are satisfied with their coverage and the customer service they have received, others have had negative experiences. Here is an overview of customer reviews of Foremost Insurance:

Strengths:

  • Customers appreciate the range of insurance products offered by Foremost Insurance, including specialty insurance for boats, motorcycles, and RVs.
  • Many customers have reported positive experiences with the customer service provided by Foremost Insurance agents, who are knowledgeable, helpful, and responsive to customer needs.
  • Customers have also reported that Foremost Insurance offers competitive pricing and discounts that can help them save money on their insurance premiums.

Weaknesses:

  • Some customers have reported that Foremost Insurance’s claims process is slow and frustrating, with delays and denials that can be difficult to understand or resolve.
  • Others have reported that the company’s billing and payment system can be confusing and difficult to manage, with unexpected charges that can be difficult to navigate.
  • A few customers have also reported that Foremost Insurance’s website and mobile app are outdated and difficult to use, making it hard to access account information or make changes to policies.

Frequently Asked Questions

What is Foremost Insurance?

Foremost Insurance is an insurance company that offers a variety of insurance products, including home, auto, and life insurance, as well as specialty insurance for RVs, mobile homes, and more.

What is universal life insurance?

Universal life insurance is a type of permanent life insurance that provides a death benefit as well as a savings component. Policyholders can adjust their premiums and death benefit amounts over time.

What types of life insurance policies does Foremost Insurance offer?

Foremost Insurance offers term life insurance, universal life insurance, and whole life insurance.

What is whole life insurance?

Whole life insurance is a type of permanent life insurance that provides a death benefit as well as a savings component. The premiums and death benefit amount are typically fixed for the life of the policy.

What is term life insurance?

Term life insurance provides coverage for a specified period of time, typically 10, 20, or 30 years. If the policyholder dies during the term, their beneficiaries receive a death benefit. If the policyholder outlives the term, the policy expires and no benefits are paid.

What is specialty insurance?

Specialty insurance is insurance coverage designed for specific types of property, such as RVs, mobile homes, and boats. Foremost Insurance offers a variety of specialty insurance products to meet the unique needs of their customers.

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Peyton Leonard

Published Author & Insurance Expert

Peyton Leonard is an insurance and finance writer living in Colorado Springs, CO. She is currently obtaining her Bachelor’s in English at Thomas Edison State University. Peyton is the author of “Lyme & Not the Fruit.” She also has experience writing for the business magazine, Productivity Intelligence Institute.

Published Author & Insurance Expert

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Reviews
for Foremost Insurance Group

3.53 (185 reviews)
1
September 8, 2023

Dubious_Millennial

Stay away if you want a vaguely 21st century experience

Guess what I had in my car until today? An insurance card from Farmers stating I had a policy with them as of 02/03/2023 good maximum a year. Guess when my policy was canceled with them, as I JUST FOUND OUT TODAY (Sept. 2023)? 02/03/2023. Yes, this is a massive adulting fail on my part and I m not proud of it (and am also insured with a company other than Farmers/Foremost/AAA as of today). <-- PLEASE note that if you are confused about why I am t...
Guess what I had in my car until today? An insurance card from Farmers stating I had a policy with them as of 02/03/2023 good maximum a year. Guess when my policy was canceled with them, as I JUST FOUND OUT TODAY (Sept. 2023)? 02/03/2023. Yes, this is a massive adulting fail on my part and I m not proud of it (and am also insured with a company other than Farmers/Foremost/AAA as of today). <-- PLEASE note that if you are confused about why I am talking about Farmers and writing a review for Foremost, well, join the club. HOWEVER I have it on good intelligence that I was in fact insured by Foremost, and Foremost's portal was the last one that worked for me; please see below; if this hurts your brain rest assured it hurts mine too. How does this come about your say. Well gather round and I shall tell ye the tale. I move in early 2023 and try to contact AAA, who I initially contacted to get insurance, to advise them of this to update my policy. The AAA rep is after all prominently listed on the Farmers/Foremost portal (when I can get access to it). But he informs me to inform them. Farmers or Foremost? I have no clue, as I once had access to an online portal through Farmers, until I got a cryptic message and didn’t. I think it’s been transferred to a Foremost portal (who is Foremost? No one has explained anything), which I accessed once I think?? I manage to log in and inform them of the move. Okey dokey they say. They quote me a slightly higher rate. Righty ho I say. I log out. I print out my shiny new insurance card. I don’t check my bank account which is linked to AutoPay (my fatal error). I just assume all is well. I get a few emails from them saying “Billing documents available” and I go, well alrighty, that is how they tell me they’re doing AutoPay, leastways that’s how it’s always been in the past. I continue my prudent driving habits until I need to share my auto ins card and decide to give pay my old portal friends a visit. Oh no. Oh NO. I call a Farmers lady who tells me I haven’t had insurance since 02/03/23 and... how did I not know? I tell her I never got any notices? She says yes you did? I said they all looked like the generic Autopay notices. Also what is Foremost? She says they were giving you insurance actually. Not Farmers. Farmers is just the name on your card. But you could have logged into both portals. I say you are very nice but actually, no I very much could not, I could not log into Farmers it was very unceremonious about a year ago, and confusing. The last portal I could get into was Foremost. I say I am an adult in 2023 and have tons of things on Autopay. I did not check my bank statement for the roughly $50/month charge from Farmers/Foremost/whoever. Yes I should have done this. I did not. Adulting fail. However your systems are also BADLY designed. She is clearly preparing to take this to her boss (she cares! she's a darling!) and says, if this were a month or so late I could have done something. But then she starts going on about how she has to Demonstrate that I haven't known and Gather evidence and I'm like, lady you seem nice but I need to go get me some actual insurance. And given I've been derelict for over half a year now, I'm not going to find anything worthwhile from your reputable establishment, so kindly I must take my leave kthxbye. Have I mentioned the charge that caused me to lose insurance back on 02/03/23 (again despite the fact that I also was able to print out a card good 02/03/23 that very day)? THREE. DOLLARS. THAT was the rub and it couldn’t go through on Autopay because Reasons and they sent me a notice about it to my email (I opted into paperless billing like a fool) and it looked just like their notices saying hey we’re doing the Autopay thing and have I mentioned their portal was a nightmare. Anyway I am still ultimately the one responsible to carry auto insurance (which I have consistently done since licensed and driving a vehicle) and had I had an accident, my ignorance here would not have been an excuse. Very much aware of this and not proud. Easily the biggest adulting fault of my 30s, or the second biggest after marrying my ex. (Are you happy, Foremost/Farmers/AAA? You are being compared to highly unfortunate ex spousal units. NOT A GOOD LOOK.) So tldr, PLEASE stay away from these people if you a) want to know who you actually are getting your insurance from; b) want a vaguely 21st century billing and payment experience; c) want the space time continuum to make some sort of kind of sense. Again. Not saying this wasn't also a major fail on my part. It absolutely was. Over and out.
5
February 16, 2020

Soooonz

Saved me and my wife $70 on a bundled plan.

I've been with them for 3 years and have been extremely happy with their company. They helped me manage my internet billing which was new to me so I don't even have to get a money order to send payment. This saves me a bunch of time. They managed to cut my rate by around $70 compared to my last provider and were able to get me the same coverage as well as towing for 50 miles. They were a smooth company to work with and always answered my question...
I've been with them for 3 years and have been extremely happy with their company. They helped me manage my internet billing which was new to me so I don't even have to get a money order to send payment. This saves me a bunch of time. They managed to cut my rate by around $70 compared to my last provider and were able to get me the same coverage as well as towing for 50 miles. They were a smooth company to work with and always answered my questions when I called them. My wife is also on the same plan and we were bundled and saved around $70. Overall I'm very happy with them.
2.5
January 31, 2020

fuckYou

Foremost review

foremost insurance is a fraud overcharge customers for cars will never use them again a recommend people not to use them at all
3
June 11, 2019

SamanthaLynne

Mostly Good, Little bad to say!

My experience so far with Foremost has been pretty good. It just seems that every 6 months maybe even sooner, but I know every six months my policy renews and the rates go up! So I don't understand, why I have yet to call them and ask. So it's a little frustrating especially when you're a good driver you know, like Progressive says, Safe Driver discount a good driver discount. No accidents no tickets no incentive to stay with that company?, the ...
My experience so far with Foremost has been pretty good. It just seems that every 6 months maybe even sooner, but I know every six months my policy renews and the rates go up! So I don't understand, why I have yet to call them and ask. So it's a little frustrating especially when you're a good driver you know, like Progressive says, Safe Driver discount a good driver discount. No accidents no tickets no incentive to stay with that company?, the only incentive is to cancel my policy with them and find something else. I know the answer they're going to give me when I ask why they raise my rates every few months they're going to answer "Oh, everyone does in your area. All the insurance companies do it!
4.5
January 15, 2019

AN

Foremost review

My claim Adjuster is very helpful and quick. Good customer services that help me go through very step to finish to repair to my car.
5
December 13, 2018

AllBowl7

Great people and coverage but pricey

It was a great policy that covered everything. My husband got hit by another car and we had no problems with the insurance company, they were easy to deal with and he got a rental while the car was in the shop. However we switched to another company because after years with them the rates went up too much and we found the same policy for half the price somewhere else. It may have been because we switched from buying through an agency to buying th...
It was a great policy that covered everything. My husband got hit by another car and we had no problems with the insurance company, they were easy to deal with and he got a rental while the car was in the shop. However we switched to another company because after years with them the rates went up too much and we found the same policy for half the price somewhere else. It may have been because we switched from buying through an agency to buying the insurance ourselves.
5
November 20, 2018

Goodgirl49

Great Service

My agent takes the time to explain my coverage and options to me. Gives me the opportunity to shop around prior to committing
5
September 26, 2018

Hearty

Reliable company

Very reliable company. Agents always answer the phone with good manners and friendly tone of voice.
2
September 15, 2018

Reivers

Foremost raised by insurance premium by 40%

Are used to be a 21st century insurance customer and Foremost bought them out. When I received my first bill from Foremost my insurance went up 40% ! I will seek new insurance clothes and hopefully reduce my premium!
4
August 15, 2018

YEETYEET69

Highly Recommend

My rates have been the same since I've started and the company has helped me get as many discounts as I can
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