Foremost Insurance Company Review & Complaints: Home, Car, & Recreational Vehicle Insurance (2024)

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Foremost Insurance Summary

Is Foremost Insurance owned by Farmers? Foremost Insurance is a wholly-owned subsidiary of Farmers. However, Foremost motorcycle insurance complaints or home insurance claims will be handled by Foremost, not Farmers, as they are separate companies. You can read our Farmers insurance review for more information.

Are there Foremost insurance reviews? There is one now! This Foremost Insurance company review will cover the company’s rates, reviews, and more. Foremost full coverage insurance rates could be $350, but policy discounts will put the brakes on expensive car insurance rates.

Compare home insurance rates before you commit to a company to ensure you are getting the best price.

Do you have an affordable Foremost car insurance quote? To compare, enter your ZIP code into the FREE comparison tool above before starting this Foremost Insurance review and summary. You may even be able to get a Foremost auto insurance quote.

Does Foremost receive good reviews and ratings?

Financial strength and credit ratings measure the performance of companies on an international scale. Let’s take a look at Foremost’s car insurance reviews. According to A.M. Best, ratings show an objective opinion about an insurer’s, issuer’s, or financial obligation’s relative creditworthiness.

We have Foremost auto insurance reviews and Foremost Insurance Company ratings from the most notable organizations.

Is Foremost Insurance a good company? Let’s look at the Foremost Insurance Group’s ratings.

Foremost Insurance Company Ratings

How about Foremost insurance complaints? The NAIC Complaint Index for Foremost is low, and they appear to have a solid reputation. It’s always worth checking local ratings for a company that depends on captive agents. The agent experience can make a big difference in overall customer satisfaction.

Before we move on to Foremost Insurance’s rates, it bears mentioning that Foremost Insurance’s Yelp reviews are low, but that’s not uncommon when it comes to customer reviews and insurance companies.

It’s also important to find the best car insurance companies that sell online when searching for your next insurance provider.

How about Foremost Insurance Group reviews? The BBB rating of A+ for the company is noteworthy and serves as somewhat of an endorsement. Let’s now see how competitive their rates are.

Are Foremost car insurance rates cheap?

Most small companies offer competitive rates. You may pay more or less depending on what your needs are. Foremost car, home, and Foremost motorcycle insurance operate under Farmers insurance.

Does Farmers own Foremost?

Yes, they were acquired by Farmers Insurance Group in 2000. A Foremost insurance quote will not be from Farmers, but you may get bundling discounts with Farmers policies.

The average annual rate for Farmers car insurance is $4,190 per year or $350 per month.

Foremost Insurance is one of the biggest providers of non-standard and specialty auto insurance products in the country. They write a variety of home insurance, vehicle, and recreational vehicle (RV) insurance policies and often cover risks that other insurance companies will not accept.

Foremost offers auto insurance policies that are underwritten by Bristol West Insurance. They do not write any auto liability coverage directly. Bristol West provides non-standard auto insurance options to drivers that may have trouble getting coverage elsewhere.

What is Foremost availability by state?

Where is Foremost car insurance available? According to the National Association of Insurance Commissioners (NAIC), you can get Foremost services in all 50 states. Foremost connects to one of the leading insurance companies, and it makes sense that it would be available in all states.

Let’s examine the average annual rates where people have Farmers insurance.

Farmers Average Annual Car Insurance Rates by State

What Foremost auto insurance coverages are offered?

Foremost auto insurance coverage connects to Bristol West and Farmers through underwriting policies for customers across the United States.

All customers should have access to core automobile insurance coverages, such as liability, collision coverage car insurance, and comprehensive coverage.

When the core coverages are combined, they are called full coverage. Here’s the national average annual rate for all core coverages.

U.S. Average Car Insurance Rates by Coverage Type

What are the Foremost bundling options?

What does Foremost homeowners cover? Read on for a short Foremost home insurance review.

Best known for mobile home insurance, Foremost home insurance offers a wide range of other home policies. They also write a variety of auto insurance coverages, motorcycle insurance policies, and types of specialty vehicle policies, including ATVs, boats, and other vehicles.

Foremost’s flagship product is the mobile home policy and these are available for older mobile homes as well as newer manufactured homes. The mobile home coverage includes a comprehensive list of named perils and has the option to add replacement cost coverage as well.

Mobile homes go through a licensing process. Once approved, you can set up your mobile home at a park or other designated location. There are a wide variety of add-on endorsements for mobile homes that rival the list offered by many standard homeowner’s programs.

• Hobby farm or ranch liability
• Identity fraud
• Water damage –– such as roof leaks
• Earthquake coverage
• Travel coverage of mobile home
• Personal property replacement cost

Read more:

• Does my car insurance cover damage caused by an earthquake?
• Does Car Insurance cover earthquake damage?

Foremost home insurance has a policy called the perils policy. In other words, the plan will cover the specific perils listed in the policy, and it will only pay out the actual cash value of the home at the time of the damage based on age, condition, and depreciation.

When you bundle insurance services together, does it save money?

Foremost insures a wide variety of motorcycles and bikes that cannot be covered under a Farmers policy. They offer comprehensive motorcycle insurance policies that include all the basics of liability, comprehensive, and collision and also some motorcycle-specific coverage such as safety apparel coverage and optional equipment coverage.

Coverage also includes roadside assistance and trailer coverage. The policy is an annual term and priced to compensate for the offseason in locations where motorcycles are driven less in the winter months.

What are the discounts offered by Foremost?

Foremost doesn’t reveal the number of discounts they offer to potential customers. There are no sections provided in the online quote web pages. Your best bet to gather more detailed information would be to talk to an agent about your specific policy. However, here are some general car insurance discounts Foremost offers that you may want to further inquire about in person.

• Security Discounts – High deductible discounts offered to customers who pay higher deductibles.
• Bundling Discounts – Foremost provides discounts when customers bundle one or more insurance services.
• Other Discounts – Customers age 50 or older receive discounts through the AARP sponsored Foremost program.

You may be eligible for some of Farmers discounts since the company partners with Farmers. Ask a Foremost agent for assistance to find out if you’re able to receive discounts from Farmers.

What programs are available from Foremost?

Foremost has a few community programs. The Foremost Learning Center and AARP Learning Center offer advice, guidelines, and tips over a range of topics from insurance questions and mobile home repair.

They also offer a program for various watercraft, from speedboats to personal watercraft (jet skis) and more. Foremost’s recreational vehicle program includes coverage for both motor homes and travel trailers. Specialized coverage includes full-timer options for RVs.

Foremost’s home insurance program focuses on homes that may not qualify for a standard homeowner’s insurance policy.

Customer homes that are older or have certain risk factors, seasonal and vacation homes, mobile and manufactured homes, and rentals are included.

The Mobile Home Market Facts Sheet is a report from an annual survey conducted by Foremost to better understand the market and demographics of mobile homeownership.

Foremost’s Mobile Claims Centers (MCCs) assist customers by answering questions about insurance, assisting in the process of filing Foremost insurance claims, and providing access to satellite and internet services.

How do I cancel my Foremost vehicle insurance policy?

Sometimes it’s necessary to cancel your car insurance policy. Maybe your Foremost policy is about to end and you’ve found a cheaper company. Perhaps the car insurance rates are too expensive and you need to cancel.

Whatever the reason, you have the right to cancel your auto insurance. Let’s use this section as a short guide on how you can cancel your car insurance policy.

Is there a cancellation fee?

Whenever you cancel your insurance policy before it’s set to expire, expect a cancellation fee. The cancellation fee can be $25 or more. Some insurance companies issue something called a short-rate fee.

A short-rate fee is a percentage of the remaining balance on a car insurance policy.

The cancellation fee is a penalty for ending your car insurance policy before the agreed termination date.

Is there a refund?

Some customers pay their car insurance policy in full or pay half of the policy’s balance. Individuals who pay in full could receive a refund. You may not get back every dollar you put into the car insurance policy. Sometimes your refund is based on a bracket. The number of months you use car insurance service can reduce the amount of your refund.

How do you cancel?

Call or contact Foremost to tell them you want to cancel your policy. It may not be a bad idea to send a certified letter alerting them that you wish to cancel. Make it clear that you want to cancel your current policy and request a refund on premiums that are unused minus any cancellation fees that may apply.

Customers with questions should use the customer contact number 1-800-532-4221 for non-auto policies or visit www.foremost.com for auto policies. Keep in mind it is not foremostinsurance.com to pay Foremost insurance.

When can I cancel?

You can cancel whenever you want, but the best time to cancel is within 15 to 60 days. Setting a cancellation date will allow you to change your mind or find another car insurer.

Foremost Insurance Company Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Foremost Insurance Company offers multiple convenient options for filing insurance claims. You can file a claim online through their website, over the phone by calling their dedicated claims hotline, or through their mobile app. This flexibility ensures that policyholders can choose the method that best suits their needs and preferences.

Average Claim Processing Time

The average claim processing time at Foremost Insurance Company can vary depending on the complexity of the claim and the specific circumstances.

However, the company is committed to providing efficient and timely claim processing services to its policyholders. To get more specific information about claim processing times, it’s recommended to contact their claims department or refer to your policy documents.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts is essential for evaluating the performance of an insurance company. While specific feedback may vary, Foremost Insurance Company generally strives to provide fair and satisfactory claim resolutions.

It’s advisable to explore customer reviews and ratings to gain insights into the overall satisfaction of policyholders with their claim experiences.

Digital and Technological Features of Foremost Insurance Company

Mobile App Features and Functionality

Foremost Insurance Company offers a mobile app that provides policyholders with convenient access to their insurance information. The app is designed to offer features such as policy management, claim filing, and digital ID cards. Users can easily download the app, log in to their accounts, and take advantage of these useful functionalities on their mobile devices.

Online Account Management Capabilities

Managing your insurance policies and accounts online is made easy with Foremost Insurance Company. Their online account management platform allows policyholders to view and update their policies, make payments, and access important documents. This digital convenience streamlines the insurance management process, saving customers time and effort.

Digital Tools and Resources

Foremost Insurance Company offers various digital tools and resources to help policyholders make informed decisions and stay informed about their insurance coverage. These resources may include educational materials, articles, FAQs, and online calculators to assist with policy-related inquiries and decision-making.

By leveraging these digital and technological features, Foremost Insurance Company aims to enhance the overall customer experience and provide policyholders with the tools they need to manage their insurance coverage effectively.

What’s the bottom line?

Foremost is a reliable insurer with backing by even bigger companies that provide financial stability, access to a variety of policies, and discounts. They have a lot of experience in their areas of expertise and are well worth a look if you need non-standard or specialty insurance.

They’re a good choice for those with Farmers policies. You may have access to cross-company multi-policy discounts that may apply.

Ready to buy Foremost car insurance? Now that you’ve read through this Foremost Insurance review, enter your ZIP code into the FREE comparison tool to see car, home, and life insurance rates just for you.

We’re going to use the final section of the guide to answer frequently asked questions that appear on search engines across the web. We’ll recap what you’ve learned about the Foremost car insurance company.