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:
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 09/26/2025.
2.0
323 reviews
from WalletHub and across the web
323 reviews from WalletHub and across the web
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Foremost Insurance
WalletHub @WalletHub
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2 Star Rating
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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:2.0/5
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
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Foremost Insurance
Nicole Cruz @ecruzlpc
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1 Star Rating
If I could give zero stars, I would. I had Allstate before but was looking for a lower rate, so I switched to Foremost. They dropped us abruptly. There were a few items that needed repair, which we addressed, but they dropped us regardless. Thanks to Foremost, we now have no coverage for our fully paid-off house. This company is extremely unsatisfactory.
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Product: Foremost Insurance Home Insurance
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Foremost Insurance
Michal Sones @michalsones
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1 Star Rating
Worst home insurance company to use. I was denied my claim; they said my house did not have any flashing on it. I hired a company to come in and put a new roof on my addition. When they started taking it apart, they found flashing. Their agents have no idea what they are doing or what they are looking for when they come in and inspect a home that was damaged. I called them back, told them there was flashing, and now they will not answer my phone calls or email me back. Do not use this company for homeowners insurance.
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Product: Foremost Insurance Home Insurance
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Foremost Insurance
wy wy @hllyang2001
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1 Star Rating
Be careful. Foremost Insurance is a scam. On 08/18/25, they charged my credit card over $2,000 without my knowledge, without any signed contract, and without ever providing me a policy or documents. I never authorized this. I already have home insurance with another company. When I called, the representative could barely speak English, refused to help me without a "policy number" I never had, and then hung up on me. No refund, no explanation. This company takes people's money and provides zero service. Be very careful—avoid them at all costs.
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Product: Foremost Insurance Home Insurance
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Foremost Insurance
kiddcarolina @kiddcarolina
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1 Star Rating
Don't waste your time or money with this company. They are truly unworthy of your business because they are typical insurance scammers. They talk a good game to get your business and take your payments, but God forbid you have to file a claim. They will surely deny it. I was with them for five years and never filed a claim, but when I did file a legitimate claim, of course, they found a way to deny it, so ultimately I immediately canceled service with them and will never use them again. Therefore, I suggest you find a more reliable and customer-friendly insurance company.
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Product: Foremost Insurance Car Insurance
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Foremost Insurance
Mark So @huntingarkar
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1 Star Rating
Here's an honest review, from my experience. July 7, 2025. I was riding across Arizona, headed to the Grand Canyon. It was the first real vacation I'd taken since the late '90s. I had a flat on my motorcycle. Since I had paid for towing, I wanted to use it. By the way, when I purchased the towing package with my policy, I was assured that Foremost had tow companies set up all over the US that specialize in motorcycle towing.
Anyway, after I stopped and safely got off the highway, I called Foremost. They said they were sorry for my troubles and that they would send a tow truck as soon as possible. So, I started receiving texts saying another 5 minutes. After a few of those, the texts said another 10 minutes. After over an hour, I called, and the person claimed they were having a hard time finding anyone in the Flagstaff area to tow a motorcycle. I informed the person I had a heart condition and that it was very hot out there and we had run out of water. The "I'm so sorry" came out. Yeah, right.
My son, when we first stopped, searched and called a tow company. They had a driver who wasn't busy at that moment and could be there in about 30 minutes. I, like a fool, believed the insurance company had my back. I told the lady to forget it and that I'd find a tow company myself. They still debited my bank account for $111.00 for some reason.
So I called the tow company that my son had called. By that time, their drivers were all busy. So it was another hour. Oh, yes. CC Towing Inc., 928-527-8697, EXCELLENT! They did a fine job and showed up when they said they would.
If it hadn't been for my girlfriend and my son's fiancee being nurses, I would have been in the ER. They knew how to deal with heat exhaustion. Thank the Lord for them. I'm back home and now getting the runaround on the phone trying to get my $111.00 back and hopefully get reimbursed for the tow bill. This insurance company doesn't care about their customers at all. I should have known. When I first set up my policy, I set up auto-draft, and all was supposed to be taken care of, ready to ride. Then, 3 months later, I received notice in the mail that my policy had been canceled for non-payment. I almost panicked. I called them up, and the clown who originally set up the policy forgot to start the auto-draft. So I paid the full policy there and then.
There is a reason they are half the price of Geico. It's because they have no intention of standing behind their customers or honoring their obligations. This is true and accurate. I waited to write this review so I wouldn't do it out of anger, but honestly and fairly.
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Product: Foremost Insurance Motorcycle Insurance
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Foremost Insurance
Dennis Love @DRLove1957
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5 Star Rating
I have my Camp Trailer insured with Foremost Insurance. On the 3rd of July, we were on a long trip in the middle of Yellowstone National Park. We had a wheel bearing fail, resulting in the Park Rangers sending us a Tow Company that would haul the trailer all the way to Idaho Falls (nearly 3 hours away). This could have been a disaster! Foremost Insurance came through! We turned in a claim and have been reimbursed within a week! Thank you, Foremost! If I could give 20 stars, I would do it in a heartbeat! Thanks. D. Love.
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Product: Foremost Insurance Car Insurance
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Foremost Insurance
Annette plaisted @ladycat2
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1 Star Rating
We had a cap blown off from a storm on our roof, allowing water and rain to come in, which ruined our laundry room ceiling. We reported this to our insurance, obtained estimates from the professionals, and they don't want to pay the full amount. They only offered us less than a third of what the estimate was, citing the depreciated value. We are appealing their decision.
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Product: Foremost Insurance Home Insurance
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Foremost Insurance
ronedee @ronedee
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2 Star Rating
Most of these subsidiary insurance companies are underperformers. They're disposable in the event of a total disaster. The only thing they are good for is liability insurance because personal injury lawyers can pursue them for compensation. Other than that, they offer nothing. I'm stuck with them because we have a manufactured home. Unfortunately, not many companies insure them. They prorate your home value over 20-25 years! They said my home is "too old" to insure for replacement, despite millions of homes in the USA that are fully insured and are hundreds of years old. I would not file a claim unless I had a total property loss...because they might drop you for something as minor as a leaky faucet!
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Product: Foremost Insurance Home Insurance
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Foremost Insurance
kaindog @kaindog
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1 Star Rating
Had a policy renewed on April 17, 2025, canceled insurance May 17, 2025. Paid yearly policy of $187 and got back $89 after cancellation. Was told that was the cost of the policy by someone I could barely understand. Not really impressed. And my boat never went in the water. Thanks. Won't be using your services again.
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Product: Foremost Insurance Boat Insurance
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Foremost Insurance
valeria7272 @valeria7272
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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
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Product: Foremost Insurance Home Insurance
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Foremost Insurance
rquillin97 @rquillin97
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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.
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Product: Foremost Insurance Home Insurance
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Thomas Esty @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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Foremost Insurance
bluehorse24 @bluehorse24
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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.
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Product: Foremost Insurance Home Insurance
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Foremost Insurance
Daniel Mortenson @mortyone
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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.
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Product: Foremost Insurance Home Insurance
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Foremost Insurance
Francisco Leyva @fleyva1992
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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.
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Product: Foremost Insurance Home Insurance
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Foremost Insurance Offers
Boat Insurance
Car Insurance
Commercial Auto
Flood Insurance
Home Insurance
Motorcycle Insurance
Renters Insurance
Foremost Insurance Q&A(24 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.
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.
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.
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