Foremost Home Insurance Review

Foremost insures high risk, and in some cases, damaged homes that are often turned away from other insurers, but their coverage isn't for standard homes.

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Overview

Foremost has spent the better part of the last century insuring homes that most insurance companies deem too risky to insure.

Is your home over 100 years old? Does it have noticeable cosmetic damage? Do you have a frequent loss history and bad credit? Most standard insurance companies will consider your case “nonstandard” and turn down your application outright. If you were recently nonrenewed or you can’t find coverage through a standard carrier, insuring your home with Foremost is a safe option.

Foremost's parent company — Farmers Insurance Group — holds an “A” rating with A.M. Best, the leading property insurance credit rating agency. Despite Foremost’s mixed reviews when it comes to claim transparency and customer service, you can be sure that if you’re insured with Foremost, you’ll be reimbursed for the claims you submit.

Pros

  • Insures old homes and homes with cosmetic damage
  • Insures people with bad credit and an extensive claims history
  • Insures people who are frequently turned down by other insurers
  • Flexible policy offerings

Cons

  • You can’t apply to Foremost online
  • Subpar claims process
  • Not for standard homes that need more comprehensive coverage
  • Not much information about policy offerings online

Foremost by the numbers

Founded: 1952

Market share: N/A

A.M. Best rating: A

Better Business Bureau rating: A+ (unaccredited)

Consumer Reports: N/A

J.D. Power: N/A

What states is Foremost available in?

Foremost homeowners insurance is available in all 50 states and the District of Columbia.

Foremost home insurance state availability

StateAvailabilityStateAvailability
AlabamaNebraska
AlaskaNevada
ArizonaNew Hampshire
ArkansasNew Jersey
CaliforniaNew Mexico
ColoradoNew York
ConnecticutNorth Carolina
DelawareNorth Dakota
FloridaOhio
GeorgiaOklahoma
HawaiiOregon
IdahoPennsylvania
IllinoisRhode Island
IndianaSouth Carolina
IowaSouth Dakota
KansasTennessee
KentuckyTexas
LouisianaUtah
MaineVermont
MarylandVirginia
MassachusettsWashington
MichiganWashington D.C.
MinnesotaWest Virginia
MississippiWisconsin
MissouriWyoming
Montana

Policy details

Foremost has two home insurance product offerings: Foremost Classic ACV and Foremost Classic CL. Foremost Classic ACV is for older homes that don’t qualify for replacement cost coverage, while Classic CL is more comprehensive coverage for homes that don’t qualify for a standard home insurance policy.

Foremost coverage tiers

Foremost Classic ACV

Close
  • Actual cash value dwelling, other structures, and personal property coverage
  • Optional replacement cost coverage for personal belongings

Foremost Classic CL

View
  • Replacement cost dwelling and other structures coverage
  • Actual cash value personal belongings coverage
  • Optional replacement cost coverage for personal belongings
  • Optional extended replacement cost coverage
  • Optional additional living expenses
  • Optional additional coverage for jewelry, watches, and furs
  • Optional business property coverage

How much does Foremost cost?

Foremost specializes in “nonstandard” homeowners insurance, meaning they’ll insure riskier homes and individuals who typically wouldn’t qualify for standard home insurance. Some examples of these risks include older, lower-valued homes, homes with cosmetic damage, customers with bad credit or claims histories, and customers who have been denied repeatedly by other insurance companies.

Since Foremost tends to take on riskier clientele, customer insurance rates will generally be higher than those of a standard policy.

Additional coverages

  • Extended replacement cost coverage - Increases your dwelling coverage an additional 25% in the event rebuild costs go up
  • Scheduled personal property coverage - Higher sublimits for expensive valuables like jewelry, watches, and furs
  • Business property coverage - Covers business-related property
  • Flood insurance - Covers your home and personal belongings against flood waters — this is a separate policy with a separate deductible

Discounts

  • Multi-policy discounts - Lower your premiums if you have another policy with Foremost
  • High deductible discount - You’ll see lower rates if you choose a high policy deductible
  • Claims-free discount - Reduced rates if you’ve gone an extended period of time without filing a claim
  • 50 years or older discount - Save money on your premiums if you’re over 50-years-old

Company details

Application process

As of this review, Foremost doesn’t have an online application. To apply, you can head to the home insurance section of their website, where you plug in your ZIP code, and you’ll get a list of all of the agents in your area who can sell you Foremost home insurance.

Claims process

To file a claim with Foremost, you have a couple of options: you can file a claim online through their easy-to-access claims portal, or you can call their claims hotline at 1-800-527-3907.

Since Foremost is technically owned by Farmers Insurance, it may cause confusion about who’s exactly managing your claim (Farmers or Foremost?) and that can lead to accountability issues. Several customer complaints to the Better Business Bureau centered on speaking with several different adjusters throughout the claims process. The claims process is generally best handled by one point of contact whotracks how your claim is progressing.

If you file a home insurance claim with Foremost and you’re passed off from one adjuster to another, be sure to take down their names and contact information.

Other types of property insurance offered

Foremost offers a variety of different insurance protection. If you’re looking to buy home insurance with Foremost and have other property insurance needs, consider their other options.

  • Auto insurance - Protection for your whip
  • Collectible auto insurance - Specialized coverage for your classic whip
  • Motorcycle insurance - Covers your high-speed motorized bicycle
  • Neighborhood electric vehicle insurance - For your electric neighborhood cruiser (only available in Arizona, California, Oklahoma, South Carolina, and Texas)
  • Snowmobile insurance - Insurance for your snow whip
  • Golf cart insurance - In the event your cart gets damaged on or off the links
  • Scooter insurance - Homeowners insurance won’t cover scooters, but scooter insurance will
  • Boat insurance - Covers everything from your fishing to cruising boat
  • Personal watercraft insurance - For smaller watercrafts like Jet Skis
  • Travel trailer insurance - Protection for your house on wheels
  • Fifth-wheel insurance - Intended for fifth-wheel RVs that you don’t drive around much
  • Luxury motor coach insurance - For your mansion on wheels
  • Off-road vehicle insurance - Coverage for everything from your quad to your dirt bike
  • Condo insurance - Protects your condo's structure and all your stuff inside, plus provides any additional liability coverage you need to supplement your HOA's master policy
  • Flood insurance - Protects your home and your stuff against floodwaters
  • Mobile home insurance - Covers your factory-built or manufactured home
  • Landlord insurance - If your unruly tenants burn your building down, landlord insurance has you covered.
  • Vacant home insurance - If you move out of your home while it’s still on the market, you’ll need vacant home insurance until the home sells
  • Second home insurance - Coverage for your vacation home

Digital tools

  • Web policy viewer
  • Web bill pay
  • Web claims filing

Contact info

Website: www.foremost.com
Phone:
Headquarters: 5600 Beech Tree Lane SE, Caledonia, MI 49316

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s homeowners insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.