Foremost Homeowners Reviews

I called to get a declarations page on our vacation home for the bank. I was told that I hadn't had a policy since 2014, over two years ago. I have renters in the house, and I remembered talking to Foremost to add insurance for that, which doubled the cost of the insurance, which is why I distinctly remembered changing the policy. They could not find a policy, not by our names, told me they can't look it up by the address. I actually believed them for a little bit. After making me jump through the hoops of applying for new insurance, I finally found documentation that I had insurance all along. I give them the policy number, they confirm that yes, I have a policy, paid up to date, send me the declarations page... for the canceled policy from 2014.

They come with different ideas, every billing cycle, to steal more money from you. If you are late one minute before paying, they will raise your rate, and keep it there forever. If you move, they charge you around $70, just because they can. And by the way, the new charge become due after you pay your bill, just in case that you may think that the rate is still the same, so you pay your insurance bill, then boom, there comes the second bill with the new charges. Just stay away from them and you will save yourself, and your wallet, a big headache.

After hurricane Mathew hit our home in North Carolina, we promptly had an inspection done on our roof after our tenants noticed water running down the walls of the home. We were informed that a few shingles were missing, there was a hole in the plywood, and that the sand on the shingles was off. Foy's Roofing Company explained that it looked more like hail damage than wind damage, however the shingles that were missing was from the hurricane. He also explained that the holes in the roof was more than likely made by the hail caused the water to run inside and damage the walls inside the home. We them proceeded to call and make a claim with Foremost, and received a quick response.

Since Farmers Insurance joined up with Foremost, the coverage is worthless and it basically covers nothing except earthquakes or fires. I read my policy and looking for another insurance that will provide my home with proper coverage without all the exclusions. Before you purchase your coverage read the policy and then ask your agent "Where is my home actually covered, and why would I buy this policy?"

Foremost Insurance Company was introduce to me by Pearl Carroll & Associates LLC a broker who deals with my Union to provide a variety of insurance policies. I recently purchased a new vehicle and the insurance company I initially contracted was high. I wanted something more affordable. Pearl Carroll & Associates representative presented to me, after getting all of my insurance, personal information a deal far less than what I was paying. After confirming with them regarding price and assurance from them that this was the price $456, I signed the contract.

It seems to be a great insurance company. I have had it for 6 years now, and have never made a claim against it. It has the best price rates that I have found to cover mobile homes. On the down side, my rates keep climbing! I realize that there have been many fires, tornadoes, mudslides, flooding and other natural disasters in the past several years. But, why should I be strapped with the burden of paying towards other unfortunate people's claims! It is hard enough these days for a disabled person to just barely be able to afford to get by. I also, every month have to deal with continuously rising insurance rates as well. That is why this country's economy is in the tank.

Pay our bill on time. Every month we are charged a late fee by our mortgage company. At the beginning of the year we always get our insurance dropped notice by our mortgage company because they are late with their payment.

I live in a hurricane zone in Louisiana, and a lot of insurance companies choose not to take people in our area on. Foremost has done so, and not at a crazy rate. The one time we did have to make a claim, they were very accommodating and really reached out to make sure we were comfortable until our home was fixed.

I actually have a mobile home and I obtained Foremost Homeowners Insurance through AARP. They are very easy to work with and offer affordable payments. I have not had any claims so I cannot speak to that. I was able to obtain immediate coverage over the phone. Because I went through AARP I also go a discount.

Way too expensive. Has went up every year for the last 15 years from $500 a year to over $1,000 a year. Really crazy. Been searching for a better company but haven't had any luck yet.

Foremost is a pretty good insurance. We been with them for a very long time. We only had to use the insurance one time so far. We had to put a new roof on. Call them and it wasn't too long after we call they sent us a check in the mail to put on a new roof. I would kind of recommend them. They are for mobile home trailers.

Since we live in a mobile home, our insurance does not come for your typical insurance company. There are very few companies that cover mobile homes due to the risk involved. Our rates are pretty high for the amount of coverage that we have but, we cannot afford to raise the coverage. My advice to others would be to try and build or purchase a stick built home. It is not only safer, the insurance is less.

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 new residents in our trailer park. Everyone says the same thing. They are very happy. Their payment programs are very price efficient. They will recommend new things to you. New information comes all the time. The residents that we have referred feel the same way. I would not trade them for anyone else. Thank you very much.

They are easy to work with, just wish they had better policies that includes pre-existing damage coverage on pre-owned homes. They do not cover leaking roof or normal wear and tear. Thought my home was covered and it was not. Only windstorm such as if the roof blows off or a tree falls in. If there is a named storm the deductible is higher. I have been a customer for 9 years.

This insurance company is affordable. Their service is excellent too. You don't have problem talking to any representative. I am happy of being one of their customer.