Foremost Insurance review 2021

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When it comes to mobile home insurance, Foremost Insurance is a household name, the company that created and first sold this type of insurance in the United States. Founded in 1952, Foremost is a subsidiary of the Farmers group and offers a host of insurance products all over the country.

Today, Foremost sells a number of insurance policies, including home, auto, marine, motorcycle, off-road vehicle and RV insurance. The company offers flexible coverage, good online resources, and great customer service through its network of agents. Additionally, Foremost will insure high-risk homeowners and drivers who might struggle to get standard coverage elsewhere.

Whether you are looking to insure your off-road or your RV, Foremost could be a great option for your needs. The provider also insures high-risk customers who fail to find coverage elsewhere. As a leading name in the home insurance market today, our guide could help you figure out if Foremost Insurance is the right fit for your needs.

Foremost car insurance

Foremost sells car insurance through Bristol West. When it comes to coverages, Foremost offers only the basics, plus a few extras. Bristol West is known for offering non-standard car insurance coverage. That means if you have a poor credit score, bad driving record or a history of accidents, you can probably get coverage through Foremost/Bristol West.

Types of coverage

  • Collision
  • Comprehensive
  • Liability
  • Medical payments
  • Uninsured/underinsured motorist
  • Rental car reimbursement
  • Towing and roadside assistance
  • Gap coverage


If you are looking to save money on your car insurance, Foremost may have an option to help you do so. Through Bristol West, the company offers a number of potential discounts that may help lower your premium. The discounts you can claim through Foremost include:

  • Pay online discount
  • Policy bundling discount
  • Multi-vehicle discount
  • Pay in full discount
  • Student away at school discount
  • Good driver discount

Foremost homeowners insurance

Foremost specializes in insuring homes that are considered high-risk, meaning they may not qualify for standard insurance. Foremost will insure homes with cosmetic conditions, old homes and low value homes. It will also insure homeowners who have poor credit.

Types of coverage

  • Comprehensive property coverage
  • Liability coverage
  • Named peril coverage
  • Actual cash value or replacement cost coverage
  • Extended replacement cost coverage
  • Additional living expenses
  • Replacement cost coverage for personal property
  • Extra coverage for valuables
  • Business property and liability coverage
  • High liability limits

Foremost renters insurance

Renters insurance might not be Foremost’s most popular product, but they do offer it. Whether you rent a house, apartment, site-built home or manufactured home, Foremost will sell you reliable coverage.

Types of coverage

  • Personal property coverage
  • Liability
  • Additional living expenses
  • Actual cash value or replacement cost value

Foremost ratings, reviews, customer satisfaction and complaints

Foremost Insurance has excellent financial strength, with an A rating from AM Best. Other than that, Foremost is not widely reviewed. Foremost home insurance is reviewed by Consumer Affairs, but it has a poor overall satisfaction rating of 2 out of 5 stars, based on 51 customer reviews. The company also has an above average complaint index rating from NAIC.

In terms of customer experience, Foremost has some pros and cons. To get insurance through Foremost, you’ll have to work with an agent—even to get a quote. However, there are 38,000 agents located around the country, so finding an agent near you won’t be difficult. Policyholders do have the option to file a claim, make payments and view their policy documents online.

We also like that Foremost offers a few helpful online resources. You can view the Severe Event Alerts center to get notified about predicted storms in your area. You’ll also find emergency preparedness tips for tornadoes, hurricanes, blizzards and other weather events. Foremost also has a Learning Center with articles about everything from driving to traveling to business.

Top reasons to consider Foremost Insurance

Foremost may be a good option for drivers and homeowners that are considered high-risk and might not be able to get insurance through a private provider. ​If you have a poor credit score or have been denied insurance coverage in the past, there’s a good chance that Foremost will still sell you a policy for the type of coverage you need.

Additional policies offered by Foremost

Besides home, auto and renters insurance, Foremost offers a variety of other insurance products. Here are some additional policy options:

  • Motorcycle insurance
  • Scooter insurance
  • Boat and personal watercraft insurance
  • Off-road vehicle insurance
  • Snowmobile insurance
  • Golf car insurance
  • Neighborhood electric vehicle insurance
  • RV insurance

Frequently asked questions

Why should I choose Foremost?

You should choose Foremost if you are considered a high-risk driver or if you’re a homeowner that has struggled to get insurance in the past. Foremost sells insurance for homes with cosmetic damages, old homes and low value homes. For drivers with a poor credit score or a history of claims, you can most likely get a policy through Foremost.

How much does Foremost insurance cost?

The cost of insurance through Foremost depends on the type of policy you need and a number of other factors. For instance, your age, where you live, your credit score, your claims history and your marital status all contribute to the price of your insurance.

Where is Foremost Insurance available?

Foremost sells insurance products in all 50 states. However, not all coverage types are sold nationwide. Contact an agent to find out if the type of insurance you need is available where you live.

How do I get a quote from Foremost?

To get an insurance quote from Foremost, you’ll need to contact an agent or visit an office in-person

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as, The Simple Dollar, and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
Edited by
Insurance Editor