Foremost Homeowners

Foremost Homeowners

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Overall Rating2.3 out of 5
See all 59 reviews & ratings

About Foremost Homeowners

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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.

Pros & Cons


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


  • 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.

Featured Reviews

Ocala, FL

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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Nuevo, CA

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

ConsumerAffairs has collected 59 reviews and 136 ratings.

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Page 1 Reviews 0 - 10
Claims HandlingCoverageStaff

Reviewed Sept. 7, 2023

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.

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Customer ServiceStaff

Reviewed July 13, 2023

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.

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    Claims HandlingCoverageStaff

    Reviewed June 17, 2023

    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.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed May 10, 2023

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

    1) Had to move start date due to change in closing date. Took me over 2 hours to accomplish in combination of being on hold and transferring to another agent.

    2) Had my policy cancelled due to bush touching the premises. Note this is a well kept $500K property. I did find a bush that had a 1/4' of contact but by the time I called to obtained clarification it was too late. Not to mentioned that I was scolded by customer service agent that is was my responsibility to read insurance requirements. I own several rentals and have been a homeowner for over 20 years and have never experienced anything like this.

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    Reviewed 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.

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    Reviewed 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.

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    Paul increased rating by 3 stars.
    Customer ServiceCoverage
    After a positive interaction with Foremost Homeowners, Paul increased their star rating.

    Reviewed 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!

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    Customer ServiceClaims HandlingCoveragePunctuality & SpeedStaff

    Reviewed 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.

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    Customer ServiceClaims HandlingCoverage

    Reviewed 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.

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    Reviewed 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.

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    Foremost Homeowners Company Information

    Company Name:
    Foremost Homeowners
    Year Founded:
    5600 Beechtree Ln SE
    Postal Code:
    United States