Foremost Homeowners Reviews

USAA kicked me over to Foremost for mobile home insurance approximately 30 years ago. I have paid the premiums on time for 30 years and never filed a claim even though we had damage to the mobile home, sheds, animal housing, and fencing from both Hurricane Irma and Ian. The mobile home roof was damaged from Ian, a large tree branch made an L shaped tear in the metal roof and supporting structure about 2' x 3' which I fixed myself.

Overpriced policy by at least twice as much. Absolutely nasty representatives, unprofessional, slow in processes. Don’t waste your time, money and energy on this place. I needed temporary insurance coverage for the business. When it came to canceling the policy it’s apparently going to take them 2-3 weeks with representative mentioning possible 4-6 weeks to reimbursement the money. Refused to do a refund to the card I used—only by check apparently. Representative tried to collect additional personal information which wasn’t provided to them when I signed up for the policy since it was under business to begin with.

A dishwasher purging water into our kitchen causing thousands of dollars of damage to the floors and cabinets was not covered. Despite my policy saying leaks from appliances are covered, I'm forced to file a lawsuit against Foremost to get their attention. Some of the worst people I've ever encounter work here.

It should be illegal for insurance companies to drop you suddenly. After years of paying our home insurance on time and never having any claims, they decide they are done and sent us a non renewal. Now we have to find new insurance coverage. Seems they are fine to take money if they think they will never have to pay out on any claims, but if they decide there is an any risk they are happy to abandon you.

They told us our porch needed to be replaced and our trees needed to be cut down. We took a loan out and spend $14000 dollars to get this done. Insurance still got canceled and they told us the truth was not the porch nor trees but afraid from fires our town had last year. They didn’t care about the expense they made us spend and hoped that we wouldn’t get it done. They said the truth is we don’t want to insure anyone with anyone that has any kind of high risk!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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!!!

Have had for years. Had a rep come out to look at a possible Leak. Turns out never had one and never made a claim. They o get a letter saying to fix a manufacturer default in my outside metal Awning that was installed before I bought the home some 20 years ago. Well now they refused to keep me as a customer because of the gap between my mobile home and the metal awning. Now I have no leaks. Have never had any leaks. No made any claims for leaks but they still cancelled my policy. Beware. They never even reached out to tell me. Just kept taking my money. Worst company ever.

In January 2019, I made a payment over the automated system for $76.78. When I got my bank statement at the end of the month, their system removed $151.76 for January and February. I quickly called them up and told them what their system did and that I did make my payment ON TIME. I told them just to reimburse me $76.78 back into my account so all my checks I have already paid won't bounce. I told them to keep the other part of the amount and put it towards my January premium, it's that easy. She told me that was too confusing for her and billing, she said that she will just return back to my account the complete $151.78.

We had a very bad wind storm and I had some shingles blown off my roof and the skirting on my home was blown loose. I knew when I saw them in my yard. I called Foremost, and asked Bessie what to do and can they send someone out. She said for me to take pictures with my phone and send them to her. I tried, but my roof is black so nothing would show up. So I call Bessie again. Now she says for me to have someone come out and give me an estimate. I did, and the contractor sent them a bid.

We were insured by Farmers then turned over to the flunkies, Foremost. Had no warning of transfer. Have had Foremost for about 2 years, since I moved back to AZ to keep my house out of foreclosure, which was in Oct 2018, they have approved and canceled my policy 3 times. Every time it was something else that had to be done. I know when I came back, the outside was a mess, that has been totally cleaned up, not good enough. Then an incompetent inspector, reported that I have a garage door missing and has to be replaced, I don't and never had a garage.

Stay away from these guys. Crooks. Filed a claim. The adjusters came out said he didn't see anything wrong but seen shingles replaced and water damage inside. This insurance company are crooked. Note people work hard for their money and don't want to messed over. So to make it simple and short if you can't honor what is rendered and due don't (BS) us the people.

Terrible insurance company. I had a small leak behind the wall in my laundry room. We found it when our subfloor started to bubble a little bit. They pretty much started to tell me that they were unlikely to cover it if it was old on the phone before showing up. The sheetrock was intact. There was a little mold that had begun to show. The floor was completely normal except that it had started to bubble. No mold, no rot, nothing. They said it was pre-existing and denied my claim. My cousin with a different company had almost the exact same thing happen and their company got them a hotel for 2 nights and got a water damage specialist in immediately. They were fixed and comfortable in 2 days. We are now having to do all of this ourselves. Don't use Foremost of Farmers. We are switching.