Foremost Insurance Review 2025

YourPocket’s Rating: Good

Foremost Insurance, a part of the Farmers Insurance Group, has established itself as a versatile insurance company known for providing specialized insurance policies. Whether you own a mobile home, a standard house, or a car, Foremost offers a variety of coverage options to meet diverse needs. In this thorough review, we will discuss the target audience, coverage options, perks, and how Foremost Insurance rates according to J.D. Power, NAIC, and AM Best.

Target Audience

Foremost Insurance is well-suited for individuals looking for specialized coverage options that many mainstream insurers do not provide. The target audience includes:

• Mobile Home Owners: Foremost is renowned for its comprehensive mobile home insurance policies, making it an excellent choice for those needing specialized coverage.
• Homeowners: Those looking for comprehensive home insurance policies that cover a wide range of risks.
• Car Owners: Drivers seeking reliable car insurance, including those with non-standard vehicles or higher risk profiles.
• Renters: Individuals needing renters insurance to protect personal property and provide liability coverage.
• Condo Owners: People requiring specific condo insurance to cover their units and belongings.
• High-Risk Drivers: Drivers with a less-than-perfect driving record looking for fair and affordable auto insurance options.
• Customers Seeking Bundled Policies: Those looking to bundle multiple insurance products to save on premiums.

Coverage Options

Foremost Auto Insurance

Foremost auto insurance offers a variety of coverage options to protect drivers and their vehicles:

• Liability Coverage: Includes bodily injury liability and property damage liability, protecting you if you’re responsible for an accident.
• Collision Coverage: Pays for damages to your car resulting from a collision with another vehicle or object.
• Comprehensive Coverage: Covers non-collision-related damages such as theft, fire, and natural disasters.
• Medical Payments: Covers medical expenses for you and your passengers after an accident.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who has insufficient or no insurance.
• Roadside Assistance: Offers help in case of a breakdown, including towing and tire changes.
• Rental Reimbursement: Covers the cost of a rental car while your vehicle is being repaired after an accident.

Foremost Mobile Home Insurance

Foremost is a leader in mobile home insurance, offering comprehensive coverage for mobile home owners:

• Dwelling Coverage: Protects the structure of your mobile home against risks such as fire, wind, and hail.
• Personal Property Coverage: Covers your belongings within the mobile home.
• Liability Coverage: Provides financial protection if someone is injured on your property.
• Additional Living Expenses: Pays for temporary housing if your mobile home becomes uninhabitable due to a covered loss.
• Replacement Cost Coverage: Ensures your mobile home is replaced at today’s prices, not just its depreciated value.

Home Insurance

Foremost offers standard home insurance policies designed to protect your home and personal property:

• Dwelling Coverage: Protects the structure of your home.
• Personal Property Coverage: Covers your personal belongings.
• Liability Coverage: Protects you against claims resulting from injuries or damages on your property.
• Additional Living Expenses: Covers costs if you need to live elsewhere while your home is being repaired.

Renters Insurance

Foremost renters insurance provides affordable protection for personal property and liability:

• Personal Property Coverage: Protects your belongings from risks like theft, fire, and vandalism.
• Liability Coverage: Covers legal expenses if you’re responsible for injuries or damage.
• Additional Living Expenses: Pays for temporary housing if your rental unit becomes uninhabitable due to a covered loss.

Condo Insurance

Foremost condo insurance offers coverage tailored to condo owners:

• Building Property Protection: Covers fixtures and improvements within your condo unit.
• Personal Property Coverage: Protects your belongings inside the condo.
• Loss Assessment Coverage: Helps cover your share of costs when damage occurs to common areas.
• Liability Coverage: Provides legal protection if you’re responsible for injuries or damage.

Life Insurance

Foremost also offers life insurance policies to ensure financial security for your loved ones:

• Term Life Insurance: Provides coverage for a specified period.
• Whole Life Insurance: Offers lifetime coverage with a savings component.
• Universal Life Insurance: Combines flexible coverage with a savings element.

Perks of Being a Foremost Customer

Specialized Coverage

Foremost is known for its specialized insurance coverage options, particularly for mobile homes and non-standard vehicles. This specialization allows them to offer tailored policies that many other insurance companies do not provide.

Competitive Pricing

Foremost offers competitive pricing, with various discounts available to help lower premiums. Customers can benefit from discounts such as multi-policy, safe driver, and paid-in-full discounts.

Bundling Options

Foremost offers the ability to bundle multiple policies, such as auto and home insurance, which can result in significant savings. Bundling is a convenient way to manage all your insurance needs under one roof and save money in the process.

Customer Service

Foremost provides excellent customer service, with knowledgeable agents available to assist you with your insurance needs. You can reach Foremost through their phone number, local agents, or their website for quotes and policy management.

Efficient Claims Process

Foremost has a streamlined claims process designed to make it easy for policyholders to file claims. The company offers online claims filing, a mobile app, and a dedicated claims service to ensure that claims are handled promptly and efficiently.

Mobile App

Foremost’s mobile app allows customers to manage their policies, file claims, and access roadside assistance conveniently. The app is user-friendly and provides a seamless experience for policyholders.

Ratings from J.D. Power, NAIC, and AM Best

J.D. Power

Foremost Insurance has received favorable ratings from J.D. Power, particularly for customer satisfaction and claims handling. Their performance in these areas is above average compared to other insurance companies.

NAIC

The National Association of Insurance Commissioners (NAIC) tracks customer complaints and evaluates insurance companies based on their complaint ratios. Foremost’s complaint ratio is below the national average, indicating a higher level of customer satisfaction and effective complaint resolution.

AM Best

Foremost holds an A (Excellent) rating from AM Best, reflecting their strong financial stability and ability to meet policyholder obligations. This rating is a testament to Foremost’s reliability as an insurance provider.

Foremost Insurance Review Summary

Foremost Insurance offers a comprehensive range of insurance products with specialized coverage options, competitive pricing, and excellent customer service. Here’s a summary of what Foremost has to offer:

• Specialized Insurance Options: Foremost provides unique coverage options for mobile homes, non-standard vehicles, and other specialized needs. Their expertise in these areas sets them apart from many mainstream insurers.
• Competitive Pricing and Discounts: Foremost offers competitive insurance rates with various discounts available, such as multi-policy, safe driver, and paid-in-full discounts. These savings make their policies affordable and attractive.
• Bundling and Convenience: Customers can bundle multiple insurance products, such as auto and home insurance, to save on premiums and simplify their insurance management.
• Strong Customer Service and Claims Handling: Foremost is known for its responsive customer service and efficient claims process. Customers can easily reach support through multiple channels and file claims conveniently.
• Positive Ratings: Foremost has received positive ratings from J.D. Power, NAIC, and AM Best, highlighting their customer satisfaction, financial stability, and overall performance.
• User-Friendly Mobile App: The Foremost mobile app provides a seamless experience for managing policies, filing claims, and accessing roadside assistance.

Conclusion

Choosing the right insurance company is crucial for protecting your assets and ensuring peace of mind. Foremost Insurance offers a wide range of specialized insurance options, competitive pricing, and excellent customer service, making it a strong choice for many. Whether you need auto insurance, mobile home insurance, or other specialized coverage, Foremost has policies to fit your needs. With strong ratings from industry experts and a commitment to customer satisfaction, Foremost Insurance is a provider worth considering for your insurance needs.

For more information or to get a personalized quote, visit the Foremost website or contact a local insurance agent.