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Foremost Homeowners

Foremost Homeowners

 2.1/5 (56 ratings)
  • 5 stars
    6
  • 4 stars
    8
  • 3 stars
    6
  • 2 stars
    2
  • 1 stars
    34
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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
    6
  • 4 stars
    8
  • 3 stars
    6
  • 2 stars
    2
  • 1 stars
    34

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?
How do I know I can trust these reviews about Foremost Homeowners?
  • 3,217,564 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 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.

2 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.

7 people found this review helpful

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    Rated with 1 star
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    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.

    5 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.

    3 people found this review helpful
    Rated with 1 star
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    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.

    4 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: May 7, 2020

    They will not cover any claims. They said we did not maintain our home when we had a water leak in the wall. I don't know how to you check inside your walls for leaks. They said we let the water leaks for months before reporting it. This is not true. We reported the leak as soon as we noticed it. Again how do you check for leaks in your walls. They tried to tell us this is standard practice with all insurance companies not to cover wall leaks. Great company if you want to give your hard earned money away.

    27 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 15, 2019

    I was out of town and hospitalized and my insurance lapsed by 2 DAYS. FOREMOST AARP would not reinstate my insurance and I had to have a new policy rewritten, for the same insurance the price was over $300.00 more a year. I have had insurance with Foremost for over 12 years at this location and never filed a claim. I have excellent credit, and feel I was taken advantage of by FOREMOST AARP. I had to drop the coverage amount by 30%, to get a similar premium as last year. They did have my age and gender and I feel FOREMOST AARP is taking advantage of women and the elderly.

    45 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 8, 2019

    I would like to warn Foremost customers and those looking to purchase insurance. My experience with Foremost isn't good. I purchased insurance 6 years ago thinking I was covered on my property. I didn't find out until I had a claim. The claim adjuster came out wrote the claim, then I am told a little later that the insurance agent wrote up my policy wrong. It was written up as a tenant policy whereas I didn't have any furniture in the mobile home when agent visited to inspect the home.

    I appeal the denial of claim by Foremost. I was told that they would respond to me about my appeal, the 20 days passed. Had to call adjuster back asking why I hadn't received information about appeal. Foremost denied my appeal throwing it back on agent. My mistake was thinking that my agent and carrier (Foremost) were looking out for my best interest. They passed the buck so everyone can point fingers at others. Insurance is a necessary evil. So those with policies with Foremost are warned, and for those thinking about purchasing insurance beware.

    45 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 5, 2019

    My partner and I recently purchased an investment property that we plan to renovate and then rent out or occupy. Being long-time Geico customers, we decided to choose Foremost Insurance since it is a partner company. At first, all went smoothly. We were upfront about the repairs we were planning to do and the condition of the property (perfectly inhabitable, but in need of TLC). Having purchased our plan and paid our premium, we left town for a month on vacation and came home to a notice that the company had cancelled our policy.

    The reasons for the cancellation were minor damage to the roof and the presence of appliances on the property, both of which the company had known about prior to our purchase. We never received so much as a phone call or email to inform us of the alleged issues with our coverage, and when I called after we had received the letter, I was told there was nothing they could do since the policy had been cancelled a week prior to my calling. The agent I spoke to recommended visiting someone local to discuss our situation and procure new insurance. I sincerely wish we had done so in the first place.

    23 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: July 29, 2019

    Had 5 properties on a policy. Added a 6th with the tenant wanting to know if they could have an above ground pool. I contacted my agent and she contacted Foremost and was told it was OK. I then allowed the above ground pool in a 2 year lease. I then get a notice that the pool would have to be removed or they were canceling my policy. My agent called back and went up the ladder and spoke to supervisors. She basically was told that "Small pools (up to 2 or 3 feet deep) were allowed" They are losing all of my properties of which the agent found comparable coverage for much less money. When I called, I got an "I'm sorry". No stars from me, but I had to give one to leave this review. Beware!!!

    25 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