Foremost Home Insurance Review

Rating: 7.5 / 10 (Very good)
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Foremost is a Michigan insurance company that was founded in 1952 and was acquired by Farmers Insurance Group in 2000. It offers an array of consumer and business insurance products, including home, auto, mobile home, umbrella, and specialty vehicle coverage.

How is Foremost rated?


Financial Strength
Customer Experience
Pricing & Discounts

Overall Rating: 7.5 / 10 (Very good)

As part of the much-larger Farmers Insurance Group, which in turn is part of the still-larger Zurich Group, Foremost has solid financial credentials. The company stands out for its willingness to cover nonstandard properties and to insure people whose policies have been cancelled or non-renewed by other companies. It maintains both an agent network and an interface, which allows customers to choose how to interact with the company. Pricing and discounts are in line with others in the industry, although policies that cover nonstandard homes and customers with credit issues and claims histories may be priced higher.

Financial Strength

Financial Strength - 7 / 10

Foremost has excellent ratings from Standard & Poor's and AM Best. Further, its backing by Farmers Insurance Group and its owner, Zurich Insurance Group, suggest impressive financial strength.
Standard & Poor's Financial Rating
AM Best Financial Rating
*The above information reflects the financial strength of the underwriter of the Foremost home insurance policies: Farmers.

Customer Experience

Customer Experience - 8 / 10

Since Foremost is owned by Farmers Insurance Group, but customers deal with Foremost employees, assessing the customer experience is difficult. Foremost has no BBB or TrustPilot ratings of its own. However, it does get favorable marks from the NAIC for its low complaint ratio. The company maintains an agent network, which benefits consumers who prefer a personal contact, but its online application and communication services are somewhat underdeveloped. Foremost partners with AARP on some insurance lines, which could be viewed as a vote of confidence in their customer experience.

National Association of Insurance Commissioners

NAIC Complaint Ratio 2016
NAIC Total Complaints 2016
*The NAIC complaint ratio (in this case 0.65) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Foremost Coverage

Coverage - 8 / 10

Foremost offers homeowners coverage for people and houses that many other insurers avoid. The company emphasizes its willingness to write policies on nonstandard homes and older dwellings, and for people who have had credit problems or prior insurance cancellations or non renewals. Though these expanded coverages come at a price, the company's flexibility and history of insuring what other companies deem uninsurable is commendable.
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Additional Coverage
Scheduled Personal Property Coverage

Pricing & Discounts

Pricing & Discounts - 7 / 10

The company's prices are in line with industry norms. Unsurprisingly, prices for coverage of nonstandard homes or for insuring people with past claims experience and poor credit history may be higher, but that too is in line with industry practice. Discounts are available to people over 50, people with no prior claims, and to holders of other Foremost policies.

Policy Discounts

  • Multi-Policy
  • Higher Deductible
  • Claim-Free

Contact & Additional Information

Homepage URL
Company Phone
(800) 527-3905
Headquarters Address
5600 Beech Tree Lane, Caledonia, MI, 49316
Mailing Address
P.O. Box 0915, Carol Stream, IL, 60132
Year Founded

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