Foremost Homeowners

Foremost Homeowners

 3.9/5 (107 reviews)
  • 5 stars
  • 4 stars
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  • 1 stars

About Foremost Homeowners

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Foremost is an insurance provider that specializes in home insurance for difficult-to-insure properties. It’s most ideal for those with older homes or homes in areas prone to natural disasters. It offers thorough coverage and customization options.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Pros

  • Comprehensive flood insurance
  • Ideal for hard-to-insure homes
  • Specialized homeowners insurance

Cons

  • No set pricing structure
  • No online quoting tool

Bottom Line

Foremost's home insurance is a solid option if you have an older or high-risk home and are unable to get a policy elsewhere. It offers thorough coverage and customization options so you can find the right fit.

Top Foremost Homeowners Reviews

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Rated with 5 stars
Verified

This company is well worth the money - very accurate with billing, answering questions. We have had them for over 10 years. There has never been a problem. We have recommended to ...

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Rated with 5 stars
Verified

I made a claim a few year ago and there was no hassle. Someone came out and looks over the damage. Foremost Homeowners gave me money on the spot. It turned out it wasn't enough mo...

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About Foremost homeowners insurance

Foremost is a specialty insurance company that provides home coverage for those who have difficulty finding policies with other carriers, either due to the home's age or natural disaster risks. The company’s homeowners coverage is extensive and customizable to help you get the protection you need. While Foremost's website isn't the most informative, it does have a resource page that quickly directs you to nearby agents.

What does Foremost homeowners cover?

Foremost’s homeowners insurance is specifically for homes that are difficult to insure elsewhere. It offers a wide variety of coverage with some add-on options, including:

  • Comprehensive property coverage: This covers most accidental physical losses, as long as they’re not excluded explicitly in your policy.
  • Named peril coverage: This protection covers perils like fire, hail, lightning and explosions — however, it only covers the accidents listed in your policy, so be sure to double-check your coverage with your agent.
  • Liability coverage: Liability coverage is a must for most homeowners. If you’re found legally responsible for harm done to a non-resident, this covers your legal fees.
  • Actual cash value: This provides coverage for the replacement or repair of property with damages due to a covered loss. With this kind of policy, there’s a deduction for depreciation due to home age or condition.
  • Replacement cost: This is an add-on policy that ensures you receive settlements to cover the cost of replacement in the event your home is destroyed by a covered incident. This comes with no depreciation deductions.
  • Extended replacement cost: This policy works toward an added 25% of the insured amount to replace your home. This coverage is limited to select states.

Foremost also offers coverage for nontypical homeowners with the following coverage needs:

  • Mobile home insurance
  • Vacant home insurance
  • Seasonal home insurance
  • Landlord insurance
  • Renters insurance
  • Owner-occupied condo insurance
  • Vacant and landlord condo insurance
  • Flood insurance

Foremost homeowners insurance quotes and costs

Foremost’s homeowners insurance quotes are based on several factors, including home location and risk level, claims history, age and more. Because insurance rates vary depending on the market and customizations, Foremost doesn’t have a set pricing structure or disclose fees online. The website does have a directory of local agents who can give you further pricing info.

Foremost also offers discounts for bundling insurance policies; its other discounts vary by location, but a local agent can direct you to available deals.

Foremost homeowners insurance FAQ

Where is Foremost homeowners insurance available?
Foremost’s homeowners insurance is available in all 50 states.
Does Foremost homeowners insurance insure older homes?
Yes, Foremost’s homeowners insurance provides specialty coverage for older and lower-value homes.
How do I file a home insurance claim with Foremost?
You can file a claim online or call your Foremost insurance agent.
Where is Foremost located?
Foremost’s corporate offices are in Caledonia, Michigan.

Is Foremost a good insurance company?

Foremost homeowners insurance is a good option for those who are otherwise unable to find coverage from standard insurance companies. Whether you’re having difficulty insuring your home due to its high-risk location, your claims history or the age of your home, Foremost can help protect your home and property against weather emergencies and other accidents.

Foremost Homeowners Reviews

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How do I know I can trust these reviews about Foremost Homeowners?
  • 4,212,289 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: Nov. 27, 2022

I currently have a claim with Foremost Insurance. It’s been awful. My home burned July 20th. It’s November 27th and I still have no idea when they’re going to pay. They have not disputed any part of my claim but they moved my claim about the time the adjuster told me he’d have me a check in a couple of days to a more seasoned adjuster. Had to answer all questions again, fill out new inventory and wait. And wait.

Then my seasoned adjuster told me his peer review had determine my statements. Should have been done in person so I’d have to sit with their attorney and that I was welcome to bring my own counsel! That’s been almost 3 weeks ago and I’m still waiting. The adjuster told me he’d had files on his desk over a year!!! HOW DO THEY EXPECT SOMEONE TO TAKE A TOTAL LOSS AND WAIT A YEAR? It seems obvious that they will drag this out for as long as possible. I’ve learned to expect delays and make sure you have enough insurance to cover the 30% you’ll have to pay an attorney to get anything out of your claim.

2 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 20, 2022

I have had AARP Foremost home insurance for years. I just recently submitted a claim. I replaced my swamp cooler but also had to pay for damage the previous one had done to my roof. I submitted all the evidence. I was just told this morning that they weren't going to cover the roof damage because my roof had always been that way. How did he come to that? He had a Google image of my roof from a few years ago also showing some discoloration. Never mind checking to see if there'd been more damage since, and the most recent repairs made to my roof.

You'd think since I have this through AARP that they would be more human to seniors but no. They're one big sleazy racket, capitalizing off their clients' hard-earned money and highly skilled in making sure they never get anything in return. SO boringly redundant! Most of the ratings I've read here are also very low, so I don't understand why their ratings are still so high! I don't want insurance with this company anymore, so I I'll drop them as soon as I can.

7 people found this review helpful

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    Customer increased Rating by 3 stars!
    Verified Reviewer
    Original review: Feb. 23, 2022

    Updated on 02/22:2022: I was issued a bill for time after my policy was cancelled. After I called and explained the situation, they said they would resolve the issue and to disregard the bill. I am hopeful that they follow through with their willingness to resolve this issue. Stay tuned!

    Original Review: After letting my homeowners insurance purposely lapse because I found much cheaper insurance, I finally called the company because they kept sending me overdue bills. When I called, I told them that I purposely let the policy lapse because I had purchased instituted a cheaper policy 10 days before their policy expired. I asked them to send me documentation stating I purposely let their policy lapse on their due date. They agreed. 1 week later I got a bill in the mail for the time their policy expired until the date I called **! DO NOT DO BUSINESS WITH THIS COMPANY!

    3 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Dec. 3, 2021

    We changed our home owners insurance to Foremost for the price. We had to file a claim for our roof. From the start of the claim everyone was really professional and nice. Claim was handled very quickly by all there and Mrs. ** was so helpful during the inspection. We just want to recommend this home owner insurance. Say thank you to everyone at Foremost insurance for all their help and great customer service! Happy to have Foremost insurance for our home.

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 18, 2021

    Stay away! They will give you every excuse they can think to NOT cover your claim. Save your money and stress and check the reviews before you consider this company. The one time I made a claim, they deny sending me an inspector to my house, then you have to call them over and over to check the status of your claim and they have all kinds of garbage for excuses of why they can not cover your claim. 0 stars for me.

    20 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Feb. 18, 2021

    I’m a landlord in New Mexico and I live in Northern California. Tenant called and said I had a leak in the kitchen ceiling. I contacted several roofers for a quote. I found an awesome roofer in Albuquerque who worked with me and the insurance company claims adjuster. I had zero problems. I will be getting a direct deposit today and moving forward with the roofer. I couldn’t have had a better experience with Foremost Homeowners Insurance.

    7 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 11, 2020

    Stay away from this company. From the top down it's structured in a way to extract maximum monetary gain from their customer while providing as little support as possible. They're structured like an onion. You peel layer after layer to get to the core that tells you you're not covered after a devastating storm. Or that you're being charged more than what's fair. Or they need you to do their job for them due to Covid. Or that no we won't work with you, because our company is structured in a way that demonstrates a lack of compassion towards human beings.

    A derecho came through our area. Very devastating. I had 7 policies with Foremost at the time. Had. I paid them around $10k over nearly a 3 year period. The only time I filed a claim they left me hanging. Their adjuster found nearly $10k in damage to a property that had a few trees come down on and around it, and on the neighbor's house as well. Turns out my deductible is $2500 for Wind and Hail. This is frustrating because every time I signed up a policy with my agent was usually through email or phone, and I'd request a $1k deductible.

    Apparently Foremost likes to sell "$1k deductibles" that are actually $1k for fire, and $2500 for wind and hail. Very unethical. So $10k in damage - $2500 deductible(I'm paying for $1k deductible though), and they're offering to pay $922 total claim. LOL! They're arguing that some of the $10k came from a different storm. They have no way of knowing this or proving this. It's just some bogus argument that they make to scam honest folks out of their insurance claim. So buyer beware.

    Money paid to Foremost would be more effectively used as toilet paper. I've done my research by now. By far the best insurance company in my area is Country. My advice is go with a company that isn't trying to scam you. A company structured around treating humans with some semblance of compassion. Avoid Foremost at all costs. They're highly unethical and cold.

    27 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: Oct. 16, 2020

    Foremost ins company is the worst organization I have ever had the displeasure of working with. I work in a hospital during this pandemic. Home should be the safe place to go. Not if Foremost is your company. They will take your money then lie and crap you out of any help on any type of repair. They should have any and all license they hold taken away immediately and their staff under a criminal investigation and review. It should not be legal for crooks like these to give you a legally binding contract to which your end is the only end to be held up to. Run as fast as you can and if you're looking for home ins please read all their reviews on several sites and please buyer beware. If I could give them negative stars I would. They probably didn’t earn the lousy couple they do have.

    20 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Sept. 14, 2020

    Never had a claim so I can not tell how their coverage is. Also they allow monthly payments, but not on a credit card. Got it. Hope I never need it. Never talked to an agent. And never got annoying phone calls.

    4 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: Sept. 4, 2020

    Shopping for new insurance. We went to the site and followed the directions, then called the 800#. Talked to rep, he wanted to know what we pay now. We want a quote. He hung up on us. We call back want to speak to someone else. They said they would call us back. They didn't. After over 1 hour I called back, they hung up again.

    20 people found this review helpful
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    Foremost Homeowners Company Information

    Company Name:
    Foremost Homeowners
    Year Founded:
    1952
    Address:
    5600 Beechtree Ln SE
    City:
    Caledonia
    State/Province:
    MI
    Postal Code:
    49316
    Country:
    United States
    Website:
    www.foremost.com