Foremost Homeowners

If I could give them zero stars, I would. They are scam artists who do anything possible to not pay out on claims. In fact, they fraudulently cancelled my policy 3 months after I renewed. They cancelled my policy conveniently 24 hours after a wind storm hit my area, and claimed it was because they didn’t cover duplexes anymore. That is odd because they never sent myself, the mortgage company, nor the independent insurance agent a letter of cancelation. Long story short, they cancelled the policy 24 hours after the wind storm, and I called 48 hours after the storm to file a claim, and they told me I was cancelled without notice even though I had literally just renewed my policy.

Foremost insurance was not horrible at customer service. It was just nonexistent. One day after a few years with this company I received a cancellation letter out of the blue. Now understanding why this is so poorly rated! Can’t emphasize the unprofessional nature of the service, agents, and more. Please look at every option first before reducing your standards and going with a rock bottom company such as this.

We made roofing repairs to make sure it was insurable including the roof, coverage written with no exceptions, requested hard copy of policy, have yet to receive a copy of the entire policy, hail damage, wind and rain to the point it entered and damage the interior ceiling. Claim filed, we were to secure the property, tarped the roof and removed the trees off of roof, agent 1could not see light from interior to determine where water came from therefore no coverage for damage, tarp was on the roof, not enough damage to cover the 950 deductible, claimed she was not permitted to remove the tarp despite not asking the two people we hired to be there to remove. Adjuster 2 comes to same conclusion and it has been a battle ever since, 4 months later.

Shop elsewhere if you are looking for customer service. Had two separate issues:

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.

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.

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!

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.

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.

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.