Foremost Homeowners Reviews

Avoid Foremost at all cost. We’ve paid our insurance on time for years. Never had a claim. Big hail storm comes through. We have major damage and they won’t replace the roof. My neighbors with other insurance getting a new roof. Me and some other neighbors with foremost completely got screwed. We got depreciated values and completely screwed and no help. I’m left here trying to scramble to get a roof because the company I paid insurance to are a scam. You pay insurance for instances like this. 2” 3” hail destroys roof. You make a claim. The adjuster says, "Oh yeah. Lots of damage but we’re sorry it’s older than seven years" and basically you're left buying a new roof on your own. Absolutely trash insurance company.

Took 16 days after submitting a claim to get ahold of my claim representative. The Rep was rude unhelpful and disrespectful. This is the worst insurance company I have ever worked with. I’m changing companies tomorrow, don’t care what the cost.

Located in New Hampshire, where winter happens. This year, for the first time ever, our house had an ice dam problem. I called Foremost, they sent an adjuster, and then claimed that ice dams are NOT covered. How can you insure homes in New Hampshire and NOT cover ice dams? They shouldn't be allowed to sell insurance. Disgraceful.

I started a policy with Foremost Insurance Group on the 3rd of the month and was clearly told by the selling agent that my billing would align with that date. Within the first 25 days, there was no clear billing communication or explanation of any different due date. Then I was assigned a payment due at the end of the month — completely contradicting what was promised at the time of sale. When I contacted them, they refused to adjust the due date back to the 3rd as originally represented. This has created unnecessary financial hardship and should have never happened in the first place.

Do not use Farmers/Foremost home insurance, we had severe winds and rain storm come through our area September 6th. The wind ripped shingles from the roof causing leaks through out my house. I called to file a claim, they sent a adjuster who said the damage was due to wear & tear and he denied the claim. At that point I called a roofing company to inspect the roof. They found no signs of wear & tear and in fact stated that we shouldn't have had any problems with the roof for at least 15 to 20 years, I forwarded that inspection report to Farmers but they continue to deny my claim. Now I'm out of pocket almost 40 thousand for the damages. They are total scammers. Don't waste your money on this company. You don't want these headaches.

I paid my premium and I paid for my special coverages and when I went to make a claim with all properly dated pics and properly dated invoices my claim was denied! I recommend that you go to another company other than this one as when you have a claim, you might as well of had no coverage in the first place!

Heads up customers of Foremost insurance. My mom was a Foremost customer. She died on 12/09/2025. Her home was transferred out of her name on 01/02/2026. Foremost has refused to cancel her policy. They have refused to issue a pro-rated refund of her premium that was paid through March. They insist on keeping the home, that was sold, covered until March when her policy renews. Something to keep in mind if you are a customer or are thinking of becoming a customer. They sure don't make a loved one's death easy.

The absolute worst insurance experience that I have ever had! Was quoted for home and auto insurance with scheduled jewelry coverage. I have had no claims and paid all premiums on time with former insurance company. Foremost requested jewelry appraisals done within last 3 years on all jewelry over a certain value. I provided that info but then they decided that they wanted appraisals on all jewelry and the appraisals needed to be more recent than the previous request for appraisals done within the last 3 years. I took photos of the house, hvac units, sinks, toilets, alarm system, etc as they requested.

Foremost has horrible claims processes and unfair pay outs. They charge expensive premiums and give minimum coverage and compensation for items covered under the policy, often finding small print to wiggle out of paying policy holders. Please beware and find another company. You will definitely be disappointed in the long run.

This company along with Claim Rep. Bridgette ** denied my claim for fallen tree limbs and damages to my property using photos I sent, using her opinion and assumptions. I was away from home for months. Once I returned I called in claim Sep 18, 2025. Bridgette ** checked for weather/storms in area to deny claim also and stated tree is dead according from photos. Beware of Bridgette ** claim representative with Foremost Insurance. As of September 24, 2025 Foremost Insurance has not accepted claim.