Foremost RV Insurance Review


Rating: 6.7 / 10 (Very good)
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Foremost Insurance Group was founded in 1952 and operated as an independent company until it was acquired in 2000 by insurance giant Farmers Insurance, which is itself a subsidiary of Zurich Insurance Group. Foremost has always specialized in insurance for RVs and mobile homes.

How is Foremost rated?

Breakdown

7/10
Coverage & Benefits
7/10
RV Coverage
6/10
Customer Support
6/10
Cost
7/10
Financial Strength

Overall Rating: 6.7 / 10 (Very good)

Foremost has specialized in RV insurance since their 1952 founding. As such, it has developed considerable expertise in the RV insurance market and offers a wide array of RV coverage options, such as full-timers insurance. Its ownership by Farmers Insurance and in turn, their ownership by Zurich Insurance Group, suggests a solid financial base. The company primarily does business through its agent network, so people who prefer online communications options will be disappointed. Despite its age and its experience in the RV insurance market, the company's online reputation is poor, and includes a number of unaddressed or unresolved complaints with the BBB, which is the reason for their F rating.

Coverage & Benefits

Coverage & Benefits - 7 / 10

Foremost offers the usual suite of property and liability coverage, but also offers a number of RV-specific coverage and benefits, including for food spoilage, insurance against damage caused by water from sewers and drains, earthquake coverage, hobby farm and ranch liability coverage, and more. It does not, however, appear to offer coverage in Mexico.

Basic Coverage

Bodily Injury Liability
Property Damage Liability
Collision
Comprehensive
Personal Injury
Medical Payments
Uninsured/Underinsured Motorist

RV Specific Coverage

  • Total Loss Replacement
  • Full Timer
  • Belongings & Personal Effects
  • Emergency Expense Allowance

RV's Covered

  • Class A
  • Class B
  • Class C
  • Conventional Trailer
  • Fifth Wheel Trailer
  • Pop-up Tent Trailer
  • Mounted Truck Camper
  • Toy Hauler & Horse Trailer
  • Cargo/Utility & Single Horse Trailer

Other Policies Offered

Bundled Insurance

Foremost RV Insurance Cost & Discounts

Cost - 6 / 10

Foremost claims that it offers many discounts to RV owners, but that these vary by state. In any event, the company does not list them on its website. Further, since the company deals primarily through its agent network, its website did not have a tool that would enable price comparisons.
Premium
Annual premium will vary by driver and vehicle.
Deductible
Deductible will vary by driver and vehicle.

Customer Support & Experience

Customer Support - 6 / 10

Foremost gets an F rating from the BBB due to its failure to respond to or resolve outstanding customer complaints. It is not a BBB-accredited company. The company has no presence on TrustPilot. It does not appear to offer electronic claims tracking or support. The company deals through its customers solely through its agent network, so people who prefer to manage their insurance online will be disappointed.
BBB Rating
F
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
0
Date Collected
0012-06-17

Financial Strength

Financial Strength - 7 / 10

Foremost is a subsidiary of Famers Insurance Group, the ninth largest property and casualty insurer (measured by annual premium dollars) in the US. Farmers, in turn, is owned by Zurich Insurance Group, which is the tenth largest insurance company of any type in the US. Foremost enjoys solid A ratings from AM Best and Standard & Poor's. These data suggest that the company has considerable financial strength. Its 65 years of longevity further suggests prudent financial management in good times and bad.
Underwriter
Farmer's Insurance
Standard & Poor's Financial Rating
A
AM Best Financial Rating
A
*The above information reflects the financial strength of the underwriter of the Foremost RV insurance policies: Farmer's Insurance.
*The above information reflects the financials strength of one of the partner RV insurance companies that this insurance marketplace offers policies through: Farmers Insurance Group.

Contact & Additional Information

Year Founded
1952

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Customer Comments & Reviews

Loading Reviews ...
Manning M
, Michigan
9/20/2017
trailer had a water leek from rain and was told they will not cover it because there was no damage to the roof no punctures or tree damage very hard to get a hold of on the phone I will look for other companies not very good



Top Rated
Our Partner
9.7 / 10

 

  • 96% overall customer satisfaction rating
  • Customers report average savings of $389 per year
  • Total-loss replacement for motorhomes and travel trailers
  • Specialized coverage for full timers or first-time weekend RV'ers
  • RV storage option allows you to save even more by turning off coverage when your RV is not in use!