Foremost Homeowners Reviews

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.

The ONLY thing I can say about this Company is they are SORRY and WORTHLESS!!! DO NOT WASTE YOUR MONEY!!!! YOU WOULD BE BETTER OFF AND NOT EVEN HAVE INSURANCE!!! Their employees should be ashamed to work for them!! WE have been a customer for 15 years and this was our first claim ever!!! My shower/garden tub was leaking underneath both of them and caused SEVERE BLACK MOLD!! They denied it and said it was a hairline crack from the tile in the shower!! So after they denied the Claim they dropped our insurance!! We have had an inspector come out for another opinion and he said, "How in the heck did they deny this claim and drop you!!!" But it is ok. We have a new insurance company and A LAWYER!!!

I had noticed some roof shingles on the ground and called a roofer to examine the roof. The roofer stated that there was wind damage that blew 4 shingles off the front of the dwelling and 1 on the back roof. I submitted a claim to Foremost. The adjuster viewed the damage and said that the claim would be covered but only to repair, not replace the roof shingles. I said that it would look odd have some new shingles that would not match the older shingles. He said that they don't cover to match the other shingles. I spoke to a Supervisor and the first words out of his mouth before we even started to discuss the claim was that the adjuster basically wrote a great report and everything looks in line.

If I could give them 0 stars I would. We recently moved out of our house in NC and still had to keep coverage until it sells. USAA set us up with Foremost. Even with the house empty of all our belongings it costs more to insure the house. We haven't had the policy a month and the refrigerator supply valve somehow opened itself and water got into the wall and down into the basement. The walls and wood flooring got wet. Just got off the phone with my claims contact and was told they don't cover it. If it burned or a car or plane crashed into it, it would be covered. Thanks for nothing. Avoid these shysters like the plague!!!

Had Homeowners insurance for 9 months. No claims ever filed. Our mortgage company called and stated our Insurance was going from $2400 a year to $5900. I am thankful for Quicken Loans giving us heads up. They asked if we had filed claims and we had not filed even one. I can't get anyone from Foremost to respond on why this has happened. Outrageous. Shopping elsewhere and thankful once I find another company Quicken Loans will not pay them one more dime.

Foremost will not reveal what actually is covered. If you question them too many times, on top of being late due to emergency, they drop you, fearing a claim, and without notice. 30 years with them and boom theft in my opinion.

We have had this insurance for the last 10 years, living in a mobile home you are very limited as to what company you can find to insure with. Foremost is a horrible company, we had a power surge that resulted in our outside air conditioning unit to be damaged, and also had electric damage to the inside electrical panel. Our home was unlivable in this Texas heat in June. We made a claim on Tuesday and no one called until Thursday afternoon.

Constant rate increases no claims. Always excuses as to why. Supposed to be affordable but not. Never send bill on time and don't post payments timely. I wouldn't recommend.

This Foremost Company has always been easy to work with and they have great customer service. Luckily, I have never had to file a claim with them but I am sure they would do great working with us. Also the price they charge is GREAT. We cannot get it for any less.

Want 2K deduction for claims. I got Foremost after I made 2 claims with Pekin Insurance over an 8 year period. They canceled me and I had to get new insurance.

My experience with Foremost Insurance has been nothing but frustrating and a headache starting with the agent who does not return phone calls or the Adjusters who will not return phone calls and as well as the claim process. I have paid Foremost Insurance over $850 for 18 years and I made a claim due to lightning damage to my roof and to the back of my house I was told that my damage altogether would cost over $7,000. Foremost Insurance settled with me for less than $650 claiming that the depreciation was why I receive so little. It is useless to dispute the claims because Foremost Insurance Auditors itself on disputes you will not win in a dispute.

On September 27, we had a fire in our laundry area. The entire mobile home sustained fire damage. It took five days for the first adjustor to come out. He was at the house four hours then told us he couldn't handle the claim because it was a large loss claim. So I don't know why they sent him out and what he did for four hours if he wasn't even qualified to be there. He also brought along an Origin of Fire expert who was also there four hours and said the fire started in my washing machine motor. Nothing at all for another week when they sent out a large claim adjustor. He spent about five hours in the home. He also brought along an engineer and the Origin of fire expert again. The two of them were there about five hours, moved the washer and dryer back into the house to take pictures then took them with them when they left. That was Monday and now here it is another week and still nothing.

Had numerous policies for years with Foremost since they insure Mobile Homes. Finally had one claim, adjuster was brand new, her Supervisor finally took over due to incompetence but he was Swamped. Jumped through hoops, got a partial settlement and dropped all the insurance. That's it in a Nutshell... It's poor insurance, get rid of it as soon as you can. It's only gonna Work for you if you have A DISASTER.

We had paid this company for approx 20 years. When we had water damage by Hurricane Harvey they came out (private husband and wife team contracted to Foremost). She looked at the water damage on the ceiling and walls and door entrance, taken the pictures and left. She sent a letter saying the water came into our home due to foam that was placed where the two separate roofs meet. The roofs are metal with a overlap to the additional room added. She stated, that it acted like a sponge and she seen this before and that was our fault so we were denied denied denied.

I moved from Michigan in 2009 and turned my former home into a rental property. An agent from Farmers Insurance, the parent company referred me to Foremost which handled landlord properties for them. In 2012, the renter called and said most of the siding had been ripped off one side of the home in a storm. He said he would do whatever he could but I should call the insurance company because it was severe. I pay $872.00 for my policy and have had it for nearly nine years. I live in Arizona so I rely on this company to keep my home from damages. They came out, took some pictures, and said there wasn't anything wrong with the house. The renter had tacked the paneling back up the best that he could but the underlying damage was never fixed. It has come off several times since 2012 and the renter would try to put it back in place. Recently he said that he couldn't get it to stay on anymore and that I better call the insurance again.

It took me over 1.5 years to get a refund for my premium after I canceled the policy (months before it renewed and they charged me regardless). I wrote to them repeatedly. If they treat you this crappily when you pay them I can only imagine the nightmare of trying to get them to pay out a claim. Utter garbage company, avoid at all costs. If I could leave fewer stars I would.

I had a fire on 4/24/2017. My home was totally unlivable. Foremost sent Service Masters out that day to explain the "process" of drying out the water damage & cleaning and packing anything salvageable. SOUNDS GREAT HUH. Well Foremost paid this wonderful process out of my $30k contents coverage which maxed it out. So I don't get reimbursed for most of my contents. The adjusters and higher ups have been EXTREMELY RUDE. The $20k additional living expense was cut off on June 17. ALTHOUGH they did pay 4 months on an RV that is parked in my driveway. I live 12 miles out in the country with 6 dogs, two cats, and livestock. THEY said I was being unreasonable because I refused to have my animals boarded. So no additional living expenses for eating out, laundry, the extra trips I have to make to town because the RV has a tiny fridge.

In the past I had no problems with claims being looked at in a speedy fashion, but it is the hottest it has been and can't get someone to look at problem. Let me explains. Heat pump gets hit by lightning on Saturday. Sunday take camper to park to stay cooler and pay for a week. Call in claim on Monday tell them my story and they want to pay for a motel room not camp site which is lots cheaper. I have no cell service in campground and told them to text me and I would check phone and call them. So that set up an appointment on Friday from 1-5 in the afternoon and call Wednesday. Tell me the company that called couldn't come until Monday. I was a little upset, to say the least.

Auto Insurance - Foremost County Mutual Insurance Company and affiliate of 21st Century Insurance company opened a false claim someone place on July 14, 2014 against me (claim # **), although my wife and I refuted the claim and proved that this was false and I was not even in town during the reported accident. A representative to company sent an email stating they agreed that the claim was false and not paid but this information is still being pulled up by different companies as a claim on my husband's record (it is now showing twice as two claims). My wife and I have been fighting this for two years and thought it was cleared up until recently when I attempted to get a quote from another insurance company. At this point I am getting desperate since this has caused my insurance premiums to skyrocket.

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 money for the repairs. They did give me more money with no hassle. I had a AARP membership so I didn't have to pay out of my pocket. They just deducted it from the amount of the claim. They have only raised my rates a small amount each year.

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.