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.

My homeowners insurance premium was reasonable until I made a claim. My roofs and siding were damaged in a really bad hail storm, so I filed a claim. The deductible was pretty high, $5,000, and there was underlying damage to the plywood under the shingles and damage behind the siding, so the repair company put in for additional money for repairs. While I expected my premium to go up a few hundred dollars, I got an email for the bill, and it went up over $1400, and they haven't approved anything extra for the siding and don't know if they even will.

This company is a complete SCAM, no other way to put it. The worst company there is period. Not just the worst homeowner's insurance company in the world, it is the WORST company of any kind in the world. AVOID AVOID AVOID.

I have had this Insurance company since 2019. The cost of the Insurance goes up every year. I have never filed a claim until recently for a roof repair 08/31/2025. The Insurance adjuster came out and said I have 4 wind-blown shingles. The whole roof needs to be replaced. I have water damage on my ceiling in the kitchen, living room, and bathroom due to my roof leaking.

I'm done with Foremost, I had to file a claim a few years ago (I got a $300 check once they denied a bunch of stuff) then I pay for it with increased rates for 7 years, so the $$ I got for repairs was made up on the back side of my policy increase...INCREASE, INCREASE, INCREASE.!.. YET less is covered.... Now I am dropping them, and since my new agent with the new company misunderstood my policy end date June 23rd vs June 27th, now my refund check from foremost will be $100 less due to a fee they charge for canceling your policy early..Jesus, YOU JUST COULDN'T PART WAYS WITHPUT SCREWIMG ME, COULD YOU!!?? Lady on the phone said it was in the contract I signed...WHO READS ALL THAT JARGON? SORRY MY LAWYER COULDN'T BE PRESENT WHEN I SIGNED INITIALLY!!! **

Foremost is only one step above no insurance at all and not a very big step at that. If you're looking for insurance look elsewhere if you have already made the mistake like me of already having a policy CANCEL!! I had Two properties both storm damaged in Illinois State Farm paid 90% of loss Foremost 25%. I canceled as soon as I had cashed the miserly check. It cost me $8000.00 out of pocket.

I had both car and homeowner's insurance with them. I never filed a claim. My premiums nearly doubled and my agent found me a much more reasonable company and cancelled both policies with them, They refunded my car insurance, but not my homeowner's which is a lot of money. They owe me $1,651. I have written them but nothing yet. I will not take this lying down! Avoid this company, they are shady and expensive.

This company is horrible. Not only are their rates extremely high, they cancelled the insurance for one of my houses due to my not responding to a letter that I didn't receive, but that turned out ok as State Farm was significantly less expensive. Now, when I sold the home still insured by them, they are making it difficult for me to cancel. I have nothing good to say about them!

If you want to get a refund for the cost of the insurance you haven't used for the remaining months, DON'T USE THIS INSURANCE COMPANY, because they won't refund your money. I sold my house in August of 2024, and I should still have more than $1,200 for the unused months that needed to be refunded, now it has been six months, and I haven't gotten the refund.

Horrible customer service. Be sure to make sure you cancel with evidence because they charged me when I didn't have auto pay. It was such trauma dealing with these people and trying to get help after a propane fire. We had to hire someone to help us which cost additional money. Don't even consider these crooks.

Got a notice in the mail that Foremost will not renew my homeowner's insurance or anyone's in Texas. I am a long-time customer and this is disappointing. I've never made a claim, always paid my bill on time and yet this. They are a sham company!

What a corrupt shady business. Stay far far far away. I've been waiting for 3 months on receiving a refund of my cancelled policy. They have supposedly sent and stopped payment on no less than 4 checks, never able to provide me a certified tracking number for the check. You will never get anywhere with them, find someone else to get your policy under.

My rates went up 475% over 4 years. I made no claims. Paid in full every year. Finally had to look elsewhere and found many companies that were half of their price for same coverage. I definitely don’t recommend Foremost Insurance. I live in the Midwest so it's not like hurricanes and wildfires are a risk.

I have been a loyal customer for over 10 years...with two properties insured through them...I had an immediate family member pass away and not thinking clearly forgot to send my yearly payment in on time...Have talked to a rep and they will not reinstate the policy or do anything even with being a paid on time loyal customer for many years. This is my responsibility for forgetting but absolutely nothing in the way of helping to retain a loyal customer?? It shows where their priority is...It's not with you!

This insurance is essentially a scam. We have a rental property that was affected by Hurricane Helene in Western NC. It was not flooded. We have specific insurance to protect us from lost rent in the event of a natural disaster. Our tenant lost her job indefinitely due to the storm. The water lines in the community were mangled, and it will be months before things are back to normal. There was no power for 2.5 weeks.

I'm a 19 year customer with Foremost and I canceled them today because of the way I was treated by adjuster Hayden **. He was the 2nd adjuster assigned to my claim. The first adjuster came in person to evaluate the tornado damage to my property. He didn't ask me to provide receipts for any of the damaged items. Hayden ** demanded that I provide receipts for all of the subsequent damages. I feel that I was cheated by Hayden **. So they lost a 19 year customer with absolutely no claims made because of Hayden **'s chinciness.

The worst of insurance companies. Raise prices through the roof but finds a excuse to keep from paying a claim. 15 yrs $15k 3 claims denied. I am better off without insurance. Note the 1.7 review for this company.

Absolutely a sham of an insurance company. Have had a vacancy residential policy since 2022 and filed a claim for vandalism and total trashing of my residence with documented police report, pictures and estimates requested with an outcome of not one red cent approved. Buyer beware. They are a sham.

I have had my home insured with foremost for 15 years with out a claim. Last year I paid $8697.00 for coverage. I received a letter yesterday informing me my policy would not be renewed. I called them and they said they are no longer selling insurance in Florida. Another one bites the dust. I understand why everyone is leaving Florida now.

Foremost is a fraudulent insurance company. I paid thousands of dollars to this sham of an insurance company twice, and both times they denied legitimate claims!!.. The 1st time I had Foremost insurance for my storage unit and it was broken into, and Foremost denied that claim! Then I had Foremost for Homeowners insurance of my rental property and there was hail and storm damage that Foremost denied!!.. Now my other 3 homeowners insurance policies covered all 3 houses for hail and storm damage!!! Farmers insurance paid! American family insurance paid! And Progressive Homeowners insurance paid!!!! Only one who denied any of my claims was Foremost!!! Do not make the mistake and give this Ponzi scheme of an insurance company your hard earned dollars!!!!

Here is my (last) correspondence w/ this horrific company: 'Amazing! Your website (still) crap. Your customer service (really) crap! Needing to figure out which website to pull up and which phone number to call to which some claim 'closed' in the A.M. instructing to call back during business hours (which are not disclosed). Ergo illegitimate numbers.