Foremost Homeowners Reviews

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.

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.