Foremost Insurance Group Company Review

Pros, cons and info you need to know.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


Foremost Insurance Company at a Glance

  • Founded in 1952
  • Coverage available in 50 states + DC
  • Offers a wide range of coverages
  • “A” (excellent) rating by A.M. Best
  • “A+” (excellent) rating by Better Business Bureau
  • A part of Farmers Insurance Group
  • Wide network of independent insurance agents
  • Multiple discounts offered
  • Strong financial stability
  • 24/7 claims reporting

Foremost Insurance Company Pros: Well-established carrier with more than half a century’s worth of experience in the insurance industry. Provides a wide range of home and auto insurance options, plus flood insurance and more. High ratings through A.M. Best and the BBB. High volume of customer satisfaction. Offers 24/7 claims reporting. Offers online claims reporting and bill pay. Several discounts available. Coverage available in most states. Strong financial stability.

Foremost Insurance Company Cons: Not a BBB accredited company. Coverage not available in every state.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does Foremost Offer?

Foremost offers a wide range of coverages for individuals. Their products include:

  • Homeowners insurance
  • Mobile home insurance
  • Seasonal home insurance
  • Landlord insurance
  • Renters insurance
  • Flood insurance
  • Auto insurance
  • Collectible auto insurance
  • Boat and personal watercraft insurance
  • Motorcycle insurance
  • Off-road vehicle insurance
  • Golf cart insurance

This list of insurance products offered by Foremost is far from exhaustive. An independent insurance agent can help you find even more insurance options offered by Foremost.

What to Know About Foremost Insurance Company

Foremost Insurance Group was founded in 1952, giving the carrier well over half a century’s worth of experience within the insurance industry today. The insurance company was founded with a mission to provide coverage to families in the US who lived in mobile homes, but has since expanded its catalogue greatly. Today, Foremost offers a range of homeowners insurance products, several types of auto insurance, flood insurance, and more.

Foremost has also greatly expanded its reach across the nation, offering coverage in 49 states currently. The insurance company’s LinkedIn page states that they have between 1,001-5,000 employees throughout the US. Foremost also works with a large network of independent insurance agents, which help to match customers with the coverage they need through a more personalized, comprehensive experience. The carrier is ranked in the $2 billion or greater financial size category by A.M. Best.

In the year 2000, Foremost was acquired by Farmers Insurance Group. Farmers is a well-known and respected insurance company that was founded in 1928. Farmers has also received excellent financial ratings through both A.M. Best and the BBB.

Thanks to its long-standing history, wide reach, extensive catalogue, and financial strength, Foremost has earned itself a reputation as a stable insurance provider with a positive outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Foremost an “A” rating, indicating the carrier is an excellent choice for insurance customers. A high rating from A.M. Best assures customers that Foremost is capable of offering guaranteed, secure coverage from a trustworthy and reputable carrier.

Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness, and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who aren’t as familiar with insurance companies’ respective reputations, A.M. Best’s ratings system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also to remain a strong, financially sound company in the long term.

What Discounts Does Foremost Offer?

Foremost offers a handful of competitive discounts on their products. These discounts include:

  • Multi-car discount: Offered to auto insurance customers who insure more than one vehicle through Foremost. 
  • Safe boater discount: Offered to personal watercraft insurance customers who complete an approved boating safety course. 
  • Safe motorcyclist discount: Offered to motorcycle insurance customers who complete an approved motorcycle safety course.
  • New home discount: Offered to homeowners insurance customers who purchase and insure brand-new homes.
  • Anti-lock brakes (ABS) discount: Offered to auto insurance customers whose vehicles come with factory-installed ABS.  

Your independent insurance agent can help you find further information on even more discounts offered by Foremost and other ways to save through the insurance company, helping you to get the most bang out of your buck on coverage.


Connect with a Foremost Agent Today.

Shopping for insurance? Foremost has you covered.

Foremost Insurance Company Customer Service

Foremost allows customers to file claims over the phone or online, any time of the week. The carrier also provides the following customer service options:

  • 24/7 claims reporting via phone or online.
  • Bill pay via phone option.
  • Fax contact option.
  • Snail mail contact option.
  • Main customer service hotline has the following hours restrictions:

Hours (EST)

Monday-Friday 9 am - 8 pm

Foremost sells insurance through a wide network of agents, including independent insurance agents. Independent insurance agents can help make customer service easier for you by handling claims and other concerns.

Foremost Insurance Company FAQ

What is Foremost's average claim response timeframe?

Foremost offers 24/7 claims reporting for their customers, via phone or through the official website. However, they do not have an official claims response timeframe promise. Many customers report prompt assistance.

What is Foremost's customer service availability?

Foremost offers separate phone lines for general customer inquiries and claims filing. Their claims reporting hotline is available for customers 24/7, and the customer service hotline is available at generous hours, Monday-Friday. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, making them more even accessible to customers.

What is Foremost's claims process?

Foremost provides several options for customers to file their claims. Customers can file via phone, fax, regular mail, or online. The official website breaks down their claims process into a few simple steps, as follows:

Claim assignment

When we receive your claim, it will be assigned to a claims professional. Depending on the complexity of your claim, you may work with a team of claims representatives, each of whom has experience handling a particular aspect of your insurance claim.

Initial contact

A claims professional contacts you to get the facts surrounding your loss, talks to you about your coverage, explains how your claim will be handled, identifies ways to protect your property from further damage (for example, putting a tarp over a damaged roof or plastic sheeting on a broken car window), and schedules an in-person appointment if one is needed.

Estimate and evaluation

Your claims professional will determine whether the loss is covered, will gather the facts, inspect and document damage, interview witnesses or other involved individuals, take photos and samples (if needed), and evaluate your claim.


We'll work with you to resolve your claim fairly either by paying what you're owed, or explaining why there would be no payment on your claim.

Close the claim

When we've resolved your claim under the terms of your policy, we close the claim. If you discover additional expenses, we will re-open your insurance claim to investigate.

Some insurance claims are more complex than others. Some may be opened and closed quickly while others may take weeks or even months to resolve, because of the complex issues involved. But wherever your claim falls in that range, our claim professionals will do whatever it takes to help you get back where you belong.”

Customers can keep in touch with their independent insurance agent or call the carrier to stay updated on a claim’s progress after filing.

Does Foremost create a user-friendly experience for customers?

Foremost’s official website is highly intuitive and easy to navigate. Important information is simple enough to locate for both current and prospective customers. Customer service options such as getting matched with an agent, requesting a quote, online claims filing, and online bill pay are available. The carrier also has an active social media presence. Overall, Foremost provides quite a user-friendly experience for insurance customers of all kinds.

Does Foremost have good mobile home insurance?

Foremost offers a wide range of insurance coverages, but they’re perhaps most well-known for their mobile home policies, which were the carrier’s original focus. Their mobile home policies include the following coverages:

  • Comprehensive coverage (e.g., fire, lightning, explosion, vandalism, robbery, etc.)
  • Optional replacement cost coverage
  • Agreed loss settlement coverage
  • Liability coverage
  • Additional living expenses coverage (add-on)
  • Trees, shrubs, plants, and lawns coverage (add-on)
  • Emergency removal services (add-on)
  • Food spoilage coverage (add-on)
  • Debris removal coverage (add-on)
  • Credit card and check forgery coverage (add-on)
  • Earthquake coverage (add-on)

This list of coverage options available under Foremost’s mobile home insurance is not exhaustive. Your independent insurance agent can help you find out more about Foremost’s mobile home coverage, as well as their other insurance offerings.

Is Foremost a good insurance carrier?

With a rich history within the insurance industry, excellent ratings through high-profile organizations, solid financial strength, and comprehensive coverage options, Foremost can arguably be considered a good insurance company. Foremost factors in the needs of their hard-working customers by providing 24/7 claims reporting, as well as numerous competitive discounts on their premium rates. It’s not hard to see why so many insurance customers across the US have entrusted Foremost with their coverage needs.

Foremost Insurance Company Customer Reviews

5 Stars
“Excellent insurance, reliable and affordable. A little expensive, but overall good service for our two cars.”
“My experience has been very pleasant. The customer service department answered all of my questions very clearly, so I could easily understand everything.”
“I really like this insurance company because they have great rates and friendly customer service. The renewal process is very easy and hassle free.”
5 Stars
“Before COVID we were happy with this company for insurance. Since/during COVID I’ve cried every conversation I’ve had about paying on my bill. For good reason. Before any other company (that my family dealt with) took action, Foremost did and immediately let us know our house would be insured, whether I paid in full that month or not a penny. I recently was able to go back to work. So I call to make a full payment and yet again I cry. I cry at how excited a stranger is for me and my blessing. Every person was the kindest and most understanding. We have the utmost appreciation for this company and everyone that works within. Bless you all!! Thank you.”
Better Business Bureau
5 Stars
“After 22 years I switched to Foremost. Within the first months I had a car accident. I was blown away by the level of professionalism from the entire team. I feel bad that only after a month with them I had to file a claim but they came through like a champ. Unfortunately my car was totaled but Foremost gave me the true value of the car allowing me to buy a new car better than the one I had before. I highly recommend Foremost Insurance. They will certainly take care of you.”'s Final Review

5 Stars

We award Foremost Insurance Group a final rating of 5 out of 5 stars. For starters, the insurance company has nearly 70 years’ worth of experience within the industry today, which is noteworthy and impressive. The carrier has also earned high ratings through both A.M. Best and the BBB and has demonstrated strong financial stability throughout the years. Foremost’s well-known parent company, Farmers, also aids their reputation as delivering dependable coverage. Coverage is available practically nationwide and a large catalogue of insurance products helps the carrier meet the needs of many different types of prospective clients across the country. The insurance company’s official website is well done and offers many customer services options expected of modern carriers, including online bill pay, 24/7 claims reporting, getting matched with an agent, and requesting quotes. Further, it’s easy to find glowing customer feedback across the web, so not only does Foremost provide a variety of insurance options, but has also been recognized as delivering dependable coverage. So, if you’re on the market for any of their products, we say don’t hesitate to ask your independent insurance agent about making Foremost Insurance Group your next trusted carrier.

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