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Foremost Insurance is a reputable provider of non-standard home and auto coverage. The company's financial strength is solid, but its coverage options are limited.
A member of the Farmers Insurance Group, Foremost Insurance has offered an array of insurance coverage options since 1952. While Foremost is known for its RV and mobile home insurance offerings (in a partnership with AARP), the company's home and auto insurance options are also popular.
For car insurance, Foremost partners with another reputable provider, Bristol West, to insure high-risk drivers who may struggle with finding insurance elsewhere. Similarly, its homeowners insurance policies are aimed at non-standard customers who might have trouble finding affordable insurance coverage from a standard or preferred carrier.
In general, if lower rates and robust coverage options are important to you, it may be worth skipping Foremost when searching for your new insurance policy. However, if you have a record of past claims, a poor credit history, or other factors that could potentially limit your insurance options, Foremost Insurance may be worth a look.
Read our Foremost Insurance review below to get a better sense of the company's home and auto insurance options and what you can expect as a Foremost customer.
Foremost Insurance — an affiliate of Bristol West — is a solid car insurance option for high-risk drivers. While it may offer more perks and coverage options than some non-standard insurance companies, Foremost remains more limited than most of the bigger providers like GEICO. Read on to find out more about coverage options and the customer experience to see if Foremost Insurance is a suitable option for you.
Foremost Insurance is well-known for its variety of coverages. Many of these coverage types can be bundled together under the same policy. This can potentially save you money and make keeping track of your coverage even easier. Have a look at the coverage options offered by Foremost below.
Foremost auto insurance provides many of the standard coverage options you would expect from a car insurance carrier, including liability coverage (both bodily injury and property damage), comprehensive and collision and uninsured/underinsured coverage.
Below are some of the more unique coverage options Foremost offers:
Foremost offers the chance to save on the cost of your insurance coverage. Have a look at some of the ways that you can keep that hard-earned money in your pocket.
Foremost home insurance has been developed with the non-standard customer in mind. In general, coverage options are more limited than with many standard or preferred insurance providers. Still, those who struggle to find homeowners insurance due to credit issues or have homes that other carriers refuse to carry could find Foremost to be an option.
The company offers two basic home insurance packages, Foremost Classic ACV and Foremost Classic CL. These baseline packages have a small number of endorsements that can be added to bolster coverage, though some homeowners looking for more robust coverage should look elsewhere. Being a part of the Farmers Insurance Group, customers need not worry about the financial integrity of the company, though the cost and the lack of extensive coverage options may give pause to many.
Overall, with many years of experience in the market — and being under the umbrella of one of the largest insurers in the United States — Foremost homeowners coverage can be a reasonable choice for those who struggle to find affordable insurance coverage among standard insurance providers.
Foremost homeowners insurance is available in all 50 states and Washington D.C.
Foremost offers coverage options for the non-standard homeowner. These policies are designed for low-cost homes or for those who may have been rejected by other insurance companies. Policies contain standard coverages such as dwelling, other structures, personal property, and liability. Below you’ll find the available options offered by Foremost.
Homeowners that choose this coverage may include those with low-value or older homes. If your home is damaged or destroyed by a covered peril, actual cash value will only pay up to the value of your home, which may not be enough to cover the full cost of replacement. This policy covers your personal property on a named peril basis, which is not as robust as open peril coverage found on many standard insurance policies.
Foremost Classic CL is a replacement cost value home insurance product, meaning that it will cover the full cost to replace your home if it is damaged or destroyed. It is essentially an HO-3 policy, but put together with a focus on customers who may not otherwise qualify for a standard homeowners insurance policy, likely due to credit or other issues. Personal property, however, is still covered at actual cash value unless you choose to upgrade to replacement cost coverage.
Foremost does not advertise a great deal of information about homeowners insurance discounts. However, policyholders should look into the following ways to save money on your insurance rates:
See how Foremost Insurance stacks up when compared to other popular home insurance companies. Rates below are based on the national average of what consumers pay per month for homeowners coverage.
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Cancel your Formost Insurance policy by speaking with your local Foremost insurance agent or contact a representative at 1-800-532-4221. Your agent or representative can determine if you will need to pay any cancellation fees or if you are owed a refund on premiums already-paid. It's important to have new insurance coverage in place before canceling your current policy.
When canceling your Foremost Insurance policy, follow these steps:
Yes. Foremost Insurance policies can be canceled at any time during your policy term. While it's usually best to cancel your policy near the end of its term, Foremost allows for flexible cancellation, though fees may apply. However, before you cancel your Foremost coverage, it's crucial that you have another policy in place to avoid gaps in your insurance coverage. Start the process by comparing quotes and obtaining new coverage before terminating your Foremost policy. This can help you avoid increases in your insurance rates or — for car insurance — penalties from your state's DMV.
Compared with many insurance companies, Foremost’s online features are rather limited. Below you’ll find some of the tech features of which Foremost customers can take advantage.
Foremost's app is available for mobile phones, though it is designed for the company's employees. Ratings on the Apple app store reflect confusion amongst customers looking for a customer-facing app solution, which the company doesn’t currently offer.
Learn more about Foremost at www.foremost.com.
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