Foremost Insurance Review:

A Better Insurance Experience In 2023?


TLTR: This review by Agency Height covers everything you need to know before deciding if Foremost Insurance can provide the best insurance experience for you.


Have you found yourself looking through the policies of every insurance carrier in the States without success? We understand your dilemma. There are many different types of insurance policies available in the U.S. market, but finding the right policy for you can be difficult. 

In this article, we review Foremost Insurance to help you decide if it is the right insurance experience for you. 

In this blog

About Foremost 

A member of the Farmers Insurance Group of Companies, Foremost Insurance was founded on June 12, 1952. It was the first insurance company to offer policies for mobile homes and has been a specialist insurance carrier ever since.  Foremost may be able to help high-risk drivers who are having trouble getting auto insurance with standard policies and homes with unusual occupancy situations. 

With over 38,000 agents in 50 states, Foremost offers various policies to match your needs. They specialize in insurance for high-risk properties with bad credit scores and were given an A (Excellent) grade in financial strength by A.M. Best. They’re a viable option if you have problems obtaining coverage from other standard insurance carriers in the market.  

While Foremost Insurance is best known for its RV and mobile home insurance (which it offers in collaboration with AARP), the company also provides good home and car insurance policies that are popular in the market. 

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Contact a local agent online to help you with your insurance needs.

Foremost Insurance – The Pros and the Cons 



  • Provides comprehensive and customizable coverage. 
  • It comes with an interactive mobile app that has great features and is mobile-friendly. 
  • Their home insurance covers vandalism and intentional mischief.
  • AARP and USAA members can access additional programs and offers through Foremost. 
  • You cannot apply to Foremost Insurance online, and it has no online features. 
  • Third-party site ratings and reviews are negative. 
  • You may find the car insurance policy too basic compared with other carriers. 
  • May not be affordable for homeowners who are on a budget. 
foremost insurance review

Image: Foremost Insurance Statistics

Foremost Products 

Here’s a list to give you a basic idea of the types of policies that Foremost Insurance can provide.


  • Mobile Home 
  • Home 
  • Vacant 
  • Seasonal 
  • Landlord 
  • Renters 
  • Owner-Occupied 
  • Condominium 
  • Flood 


  • Auto 
  • Collective Auto 
  • Commercial Auto 
  • Motorcycle
  • Off-road vehicle
  • RV


  • Boat and Watercraft

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Contact a local agent online to help you with your insurance needs.

Foremost Car Insurance

For car insurance, Foremost works with Bristol West, another respected carrier, to insure high-risk drivers who may have trouble acquiring coverage elsewhere. While Foremost may have more advantages and coverage alternatives than some non-standard insurance firms, it’s still limited compared to larger businesses such as GEICO.  

Coverage  Average Annual Full Coverage Premium
Clean driving history  $1,674 
Speeding ticket conviction  $2,062 
At-fault accident $2,531 
Adding a 16-year-old driver* $2,311







Rates for 16-year-olds include the cost of their parents’ full-coverage automobile insurance policy. 

Foremost Home Insurance

Coverage options are generally limited compared to those offered by many standard or preferred insurance companies. But on the plus side, those who have trouble finding homeowners insurance owing to credit difficulties or who own properties that other carriers won’t cover may find Foremost a viable choice.  

Dwelling Coverage Limit  National Average Annual Premium
$150,000  $898 
$250,000  $1,312 
$350,000  $1,723 
$450,000 $2,148

Retrieved from Foremost Website

Foremost Insurance offers a variety of insurance options, including: 

Mobile Home Insurance: Foremost is well-versed in the demands of mobile homeowners, having been the first business to offer this type of insurance. 

Seasonal Home Insurance: This is designed for people who own a home but only live in it for part of the year. 

Collectible Car Insurance: Foremost offers collectible auto insurance through JC Taylor, which is suited to the needs of collectible cars, particularly vehicles that are displayed at car shows. 

Connect With The Best Insurance Agents Near You

Contact a local agent online to help you with your insurance needs.

Foremost Car Insurance Discounts 

Foremost gives you the opportunity to save money on your insurance coverage. Take a look at some of the options for keeping more of your hard-earned cash in your pocket. 

  • Electronic pay Save money by paying securely online. 
  • Bundling your policies Foremost Insurance offers a discount when you combine your auto and home insurance policies. 
  • Insuring more than one vehicle simultaneously – You can pay less on your premium by insuring multiple vehicles with Foremost. 
  • Kids away at college If your children are in college, you may be able to get a lower rate. 
  • Advance premium payment Paying your entire premium ahead of time will save you money. 
  • Switching from another company to Foremost You should expect to save money if you leave another company to go with Foremost. 

Foremost Insurance Reviews and Ratings 

Sampling of Customer Reviews:

Rating  Reviews 
“For the sake of saving money, we switched our homeowner’s insurance to Foremost. Our roof needed to be replaced, so we had to file a claim. Everyone was really professional and kind from the beginning of the claim. Everyone there handled the claim fast, and Mrs. ** was quite helpful during the inspection. We simply want to suggest this homeowner’s insurance. Thank you very much to everyone at Foremost Insurance for their assistance and excellent customer service! We are pleased to have Foremost as our home insurance provider.” 
“I had given 2 stars to Foremost 2 and a half months back because they were sending me outstanding fees after I let my homes insurance lapse on purpose, since I found much cheaper insurance. When I contacted, I explained that I had let the policy lapse on purpose since I had obtained cheaper coverage 10 days before theirs expired. However, then I was issued a bill for time after my policy was canceled. After I called and explained the situation. Today, the problem is solved, thank you Foremost Insurance!” 
“In Louisiana, I live in a hurricane zone, and many insurance companies refuse to insure people in our area. Foremost has accomplished this, and not at an alarming rate. When we did have to file a claim, they were really flexible and went out of their way to make sure we were comfortable while our home was being repaired.” 
“Our insurance does not come from a typical insurance provider because we live in a mobile home. Due to the risk, only a few insurance providers cover mobile homes. Our rates are a little excessive for the quantity of coverage we have, but we can’t afford to increase it. To others, my advice would be to try to build or buy a stick-built home. It is not only safer, but it also costs less to insure. Overall, Foremost Insurance is good for mobile home insurance.” 
“Foremost is far too costly. For the past 15 years, it has risen every year from $500 to over $1,000. It’s insane.” 
“Foremost is a decent insurance policy. We’ve known them for quite some time. So far, we’ve only had to utilize the insurance once. A new roof had to be installed. Called them, and they provided us a check for a new roof in the mail not long after we called. I’d give them a recommendation. They are intended for use with mobile home trailers.” 

Foremost Rating on Google Play

After taking a quick look on Google Play, you can find 59 reviews among 10,000 + downloads for the app. With varying reviews from its users, Google Play rates the Foremost Insurance app 4 out of 5 stars. Foremost Rating for Financial Confidence.

    Rating Services



    A.M. Best Rating A Excellent Financial Standing
    Moody’s Rating N/A Not mentioned for the ratings
    Standard & Poor’s Rating  A A Strong company that may have some issues in the face of business and financial challenges
    Better Business Bureau A- Adequate capacity to pay financial commitments
    NAIC Good Foremost receives less complaints than average

    Conclusion: Agency Height’s Rating for Foremost Insurance 


    Foremost insurance has good coverage options for your home and car but is limited compared to other insurance companies. Foremost Classic ACV and Foremost Classic CL are the company’s two basic house insurance packages. Some homeowners searching for more comprehensive coverage may need to look elsewhere. These basic packages offer just a modest number of endorsements that can be added to improve coverage. 

    Customers need not be concerned about the company’s financial stability because it is a member of the Farmers Insurance Group. Being a member of this group comes with additional perks of having association with the AARP and USAA which means more insurance quotes to choose from with trusted insurance brands, although the cost and lack of comprehensive coverage alternatives may be a deal-breaker for some. 

    Overall, Foremost’s home coverage may well be a good choice for individuals who struggle to obtain affordable insurance coverage among traditional insurance providers, thanks to its many years of experience in the market and its affiliation with one of the top insurers in the United States. 

    Frequently Asked Questions

    What is the contact number of Foremost Insurance?


    Foremost Claims Service. Or call 800-527-3907 (available 24/7) to file or check a claim. 

    How do I file a home insurance claim with Foremost?

    You can submit a claim online or by contacting your Foremost insurance agent. 

    Where can I get Foremost homeowners’ insurance?

    Homeowners insurance from Foremost is offered in all 50 states and in Washington D.C. 

    Connect With The Best Insurance Agents Near You

    Contact a local agent online to help you with your insurance needs.

    Agency Height is a platform for both insureds and insurance agents for building a connection with each other. Our goal is to help people find the right insurance. We deliver content that can educate insurance seekers to understand the choices they can make before purchasing different policies.

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