Great insurance company. Have been using Foremost for years for my rentals. Price is great. The one time I had to file a claim the process was very simple and the outcome was exactly what I hoped for. read more

Filed a claim with Foremost. I gathered all the information they required (weather report, estimates and pictures) and submitted them on my Travel Trailer for hail damage. I had to have several conversations with representative from Foremost who was always rude and tried to make me feel like a crook for filing a claim. Foremost of course denied the claim. Foremost even went as far as to try and blame me for the weather and that it was my own fault for the hail damage. A little background on why I even have Foremost, and it is because I switched to Farmers (Farmers is the parent of Foremost) from Gieco, which is apparently a huge mistake on my part. I will now be looking for another insurance company. They are a prime example of why people don't trust insurance companies. read more

Wrote a good review earlier Oct 2019 to find out that they were still billing us a year after the sale of the home but never sent a bill. Had to report them to DIFS to get our refund almost a year later. Have problems report them. Thank you DIFS SUBJECT: Consumer Services File Number: Company/Entity Contacted: FOREMOST INSURANCE COMPANY (Foremost) The Michigan Department of Insurance and Financial Services (DIFS) has received and reviewed the enclosed information regarding your complaint. Thank you for the opportunity to review this matter. During our review of the documentation provided. The insurance company acknowledges the circumstances surrounding the request to retroactively cancel the homeowner's policy for the property in Grand Rapids, Michigan. After the requested documentation was received and several mishaps in the processing were addressed, the cancellation dates were corrected. On August 28, 2020, a letter was sent to your wife, ---------informing her that the policy cancellation dates for each policy term were corrected and a refund check was issued and mailed on August 27, 2020, in the amount of $561.59, which includes unearned premium of $536.59 and the $25.00 that was paid for the renewal term. Foremost offers their apologies for any inconvenience related to the processing of your retroactive cancellation request. Thank you for allowing us to be of assistance to you. We are pleased that our efforts have brought some resolution to your problem. This will conclude our activity on this matter and your file is now closed. If we can provide assistance to you in the future concerning another consumer finance or insurance-related matter, please contact us. Sincerely, Shari L Spitzley, Analyst Consumer Services spitzleys @michigan.gov read more

To all homeowners with Foremost insurance policy - please switch to a different company such as Allstate, State Farm and Companies - BUT STAY AWAY from FOREMOST because they will charge a lot of money for their policies BUT THEY WILL NOT cover any damage. I really got screwed off by them, this is a BIG LESSON for everyone. read more

My grandfather passed away 5 years ago, and left the house to me. I've been paying Foremost since then, on time, and in the full amount. They just notified me we need to redo the policy in my name, and they would refund the annual payment "to the appropriate party". They wrote the check out to my deceased grandfather, who did not create an estate, and we have no way to cash the check. Foremost certainly has the ability to rewrite the check to my name (the person who owns the property, has a deed to the property, and has been paying insurance the last 5 years) -- isn't that by definition the appropriate party? They offer this: "I am a member of the billing resolution team and I apologize for the frustration you are experiencing. Unfortunately, Foremost is unable to change names on refund checks due to our contractual agreement with the person listed. Again, we are very sorry for this inconvenience, but because the policy was not changed or rewritten, we are unable to change the name on the check." Foremost is NOT honoring this statement (from their website): "Make no mistake, best-in-class customer service is our standard. It's also our passion and what we do best. That's our pledge!", would certainly do the right thing by their customer." In their own words, "As a customer, you've bought a promise", and even more importantly, "What really makes us special is the way we treat each and every customer like a friend or family member. After all, isn't that the way you'd want to be treated?" Maybe their are talking about Manson Family members. In any case, remember this before agreeing to any policy with the SCAMSTERS!! read more

If you're thinking about getting them for your home insurance, look elsewhere! Literally anywhere else. When we tried to pay our first bill, it kept saying our account number wasnt valid, when we called they said our account was somehow flagged but couldn't explain why. That should have been our first red flag to cancel. Continuing on, when we had the bad polar vortex blizzard in Feburary, it blew off close to 50+ shingles along with a huge hole in our roof. Fast forward to now in July, they are refusing to come out and even attempt to look at it. We've been going back and forth for MONTHS trying to get our roof fixed. They keep telling us it "looks" like a tree scrapped off the shingles. Which we have no tree's anywhere near our roof, which again they would know if they would come out to actually look. Worst place ever, definitely looking elsewhere for home insurance. read more

I like the prices I love their agent I don't like the fact that they mail me a cancellation notice two days before my bill is even do WAISTING THE environment. My bill set an auto pay through MY company!! I don't f@&$ with your app... excuse me, I know better! I trust my bank! Statement tells me it's two days PRE on time.... of every month but yet I continuously get a cancellation (monthly ) notice!! Totally not cool for most!!! FOREMOST!!! read more

I have auto and home insurance together with Costco, which it great! However, Costco insurance does not cover rental property. The rental insurance is from the partner company, Foremost. It may be cheaper, but the service is very bad! Do not use it! The company would charge the entire fee once the policy is written even it does not start in another two months. They charged my credit card for over $500 for my rental property immediately, but they charged me the same amount again when I only changed the starting date to one month later. They said it needs to be re-written. They would not credit me back to my credit card and will send me a check. It took 10 days to process, and now they told me I might not receive the check until the new year. They are holding my money for over $1000, which the insurance does not start in another month, and I will not receive a check for another month. It's so terrible if they are holding over hundreds of clients' money, and they have lots of cash for short term investment. I am going to cancel the policy with Foremost and finding another insurance company. Again, do not use this company! read more

Our home is completely off the grid and have been insured with them for 2 1/2 years and paid faithfully. Our generator and inverter both went out and was denied for "wear and tear". We didn't ask for anything with the generator, because we knew that was wear and tear. However, the technician looking at the inverter said it could be a slew of possibilities, just unfortunately went out shortly after the generator. He said it was very unlikely it was due to a surge from the generator, but likely caused from anything over a period of time. Initially, Foremost was on top of everything to make sure we would be covered in the event it was from external factors, including the elements. However, once as they "determined" it was likely from wear and tear they just non-chalantly said it wouldn't be covered. We lost all of our food and had been living in hotels until the technician was able to diagnose it and then paid out of pocket. We are sorely disappointed in their determination, and the technician said we should fight it. However, we know Foremost has lawyers and we literally no longer have money to fight attorneys after racking up our credit card to replace everything. read more

DO NOT get FOREMOST. No automotive accident claims adjusters. Now I, the paying customer has to go outside, with the flu, in below freezing weather and take pictures of the damage. Then based on pictures of the external body damage FOREMOST will magically know if anything internally is damaged and provide a proper value check. Customer support direct quote on the phone, "We are a very small company and don't have enough people". "Your claim number will end with a dash 1, or dash 1 and another dash 1, or nothing at all" Prior to this I purchased a brand new year end car, a 2016 model, in 2017. Brand new from the dealership. Foremost customer support insisted I take the brand new car to a shop for photos to prove it's current condition. But wait, there is more. After completing the photo shoot at the auto body dealer,l they directed m to go to, 6 months later I looked at my new statement. I was driving for 6 months without collision on a brand new car. After calling Foremost again they said they never received the photos from the body shop of their choice. No one ever followed up. Complete fools. Or I quess i am. Shame on Farmers for allowing such a pathetic sub par insurance company to exist. You have been FOREWARNED, NO FOREMOST. read more

I called to get a tow for my motorcycle as I had broke down in the middle of nowhere. They told me about 45 minutes eta. I'm diabetic and didn't have any food or sugar but 45 minutes was fine. An hour later and nothing. They tell me another 35 minutes. My blood sugar is at 79 and dropping but I'm okay, no panic. ANOTHER hour passes and they tell me "these things happen"and they'll be there in 30. After all was said and done my blood sugar dropped to 58 and I had to call an ambulance after another hour passed. 3 hours later and they said they're backed up and I'm reviewing from a hospital (because why wait on the side of the road). Got some glucose and it'll only cost me a few thousand bucks. I would advise against this company. read more

Stone-age and antiquated insurance company. My policy was canceled and they completely failed to notify me. I was a loyal customer, with no late payments but I received no notice in the mail, no phone call, and no email letting me know of this mistaken action done by their system. They acknowledged in a tense tone on the phone that it was possible that it might have been their fault but they continued to say that they had a paper trail showing that it was sent out. When pushed further on this paper trail, the associate said he saw a line in his system, noting that something had been sent. I called them several times to remediate the situation and on one occasion, I was hung up on by an associate named Chris. Although they also acknowledged that they felt I had been wronged, they said they could do nothing about it. Their insurance is also way more expensive and I'm sort of glad this happened because now I have way cheaper insurance with Geico. Please stay away from this company, we're in the 21st century, not the 60's. read more

We took out this policy for our trailer in 2017. We paid our yearly premium for 2019 on June 16, 2019. This was not a new policy, nothing changed with the exception of the renewal dates. On August 17, 2019, we cancelled the policy as we sold the trailer. As per instructions, I sent an email to Foremost. We received a cancellation notice from Foremost indicating that I would receive a refund which was $50.00 less than expected. So I called Foremost and was told that my policy had a "Minimum Earned Premium". Does anyone know what that means, well they told me that it means that they keep $50.00 of your premium for writing the policy. Remember, this was not a new policy, we had the policy since 2017, nothing was changed, it was just a matter of changing the policy dates. Also, when they wrote the policy for us, they neglected to tell us about the "minimum earned premium" and I explained that to the insurance rep when I called and her response was, ...they should have told me...? Never heard of "Minimum earned premium", you would think that they would be glad that they have your business as a paying customer, who paid on time, but I guess not. read more

Cannot get anyone on the phone to give me a copy of my insurance policy or even to just tell me when it expires. After hours of being transferred to various departments and remaining on hold, one guy finally told me that the department I need to speak with is out today due to inclement weather (though I have spoken with about 5 people from the "wrong" departments that are in the office today and no one could help). They have failed at even managing to do the smallest task (i.e. tell me when my policy expires). If Foremost fails to even give me basic information about my policy; why should I trust they would be able to do anything right? read more

Foremost Insurance Group is recommended by AARP for its Mobile Home Insurance Program. We own a manufactured home on a permanent foundation in La Grange, California. Foremost refuses to insure our home because of brush fire risk, even though our home as been in this location with no nearby brush fires since the early 1980s, almost 40 years. read more

BEWARE! When I started my policy they quoted me $83 am month the next time I looked at my bill the jumped it to $500 a month. When I called the told me that I did not send proof of prior insurance (which I did) and I did not sign paperwork (which I did) and they added another driver to my insurance even though he had his own insurance. I than sent proof of prior insurance again and signed all the paperwork again and had extra driver removed and my payment only went down to $200 a month. Total sham!!!!!!! read more

WORST insurance company out there! And apparently they are associated to Farmers which makes Farmers look sooo bad. This company has been wishy washy with us from the beginning and even snaked us over the phone with our initial quote, which we didn't realize until we needed to start a claim. They did an investigation on our phone recording and heard everything we initially said and still wouldn't honor our policy, even after the agent screwed up. Now they are trying to force us to total our boat but our boat is worth more than the damages. They have been extremely unprofessional. They have no idea who they are dealing with, they might be a few states away but that doesn't mean I wont fly to Michigan and sue them in federal court for bad faith and for all this crap they are putting my family through. read more

Oh my goodness... how bad can this get!!! This is what you think when you are on the phone. Even though they are owned by Farmers they DEFINATELY are not farmers. They will insure an empty house but they are incapable of doing anything else. If you are a landlord, pay more money and use someone else. It is worth the headaches and time on the phone. They give US based customer service a bad name. If you try to cancel a policy they will send money to the address you are insuring and not you. WTF!??? read more

Bad business experience with them. They cancelled/nonrenewed my small business insurance because they said my business is an "ineligible business." I have not changed my business activities in 10 years. If I was ineligible why did they insure me in the first place and why did they continue to take my premiums if I was "ineligible?" I think an investigation into their practices by the State Board of Insurance might be in order. BTW I did not make one claim. Caveat emptor. read more

Worst customer service ever! I had auto-pay, my credit card gets stolen. So no payment for a month, NO notification and they CANCEL me! Never been cancelled in my life! Said they mailed me a letter Bull Sh*t. Horrible experience, never use this company. read more

DONT GET THIS INSURANCE. That's the first advice I would give. They have double charged me multiple times which gave me fees at my bank - the completely rude "customer service" agents refused to help me out even though they freely told me it was a system error... I can't wrap my head around how they can double charge me, tell me it it was a system error on their part, then try to tell me it's actually not a system error and that I agreed to some b.s. in the agreement I signed years ago. The manager even told me that they know people don't read the terms and conditions in the agreements and they won't do anything to clarify some of the terms or conditions more clearly on their website. I asked both the manager and previous agent to please send me something referencing this supposed term/condition that I agreed to get double charged?? Overall nobody seemed like they knew what was going on, their system wasn't working while I was on the phone with them and they won't help you out even when it's an error on their part. Another gross insurance company. read more

Zero stars if I could, for this ridiculous bunch of "pass the buck" individuals called an insurance company. It's been 3 weeks now that my tenant has had to be without water because they can't get their act together to get someone down (a whole 70 miles) to look at the situation--even though I have had 2 expert, experienced, well companies say the same thing about what needs to be done. I am so sick of phone calls not being returned or being returned without any message or being returned as close to 5 as they can get so another day is wasted. They also insinuate that what happened from a lightening strike is "wear and tear," like we are trying to get something out of them that does not need to be done. Save your sanity and look elsewhere for insurance. This place is a joke and I WILL be turning them in and canceling as soon as this fiasco is over. read more

I was having difficulty finding new home insurance as I had two claims in 2018 for back to back serious damage from hail storms. Foremost agreed to insure me for over $1,700 on a home less than 800 sq ft. I signed with them but then found out that another insurance company had already insured me for almost $700 less. So I called and canceled with Foremost. The agent was very polite and processed the cancelation. I then received a text from a guy at Foremost and he said I owed $100 and I also received in the mail a letter saying the same that it was for "the amount earned". I had the insurance for only 6 days, which should have been less than $30. I called the original agent and was told that Foremost charges a minimum of $100. I originally was never told that there was this kind of fee and now I am so glad that I did not stay with them. I did expect to pay for the six days but not $100! read more

Do not buy Foremost Insurance. They will gladly take your money but they do not want to pay claims. We had a claim for water damage in a mobile home. Two contractors bid the repair job, and both bids were about $21,000. Foremost's original estimate was $14,012. After some arguing they "found room" to increase it to $16,470. After three weeks of arguing, we finally stated that we were going to file a complaint with the California Department of Insurance. Then, they finally began to work in earnest with the contractor to find middle ground. Also, Foremost again "found room" to increase the estimate to $18,858. The house was uninhabitable while Foremost was refusing to pay an adequate amount for the claim, and we doubt they would have offered a reasonable amount had we not mentioned a complaint to the Department of Insurance. Stay away from Foremost!! read more

AWFUL! Our adjuster has a chip on his shoulder, bad attitude, thinks we can stay in our home after holes in roof and wall and mildew/mold smell in bedroom from water damage. RIDICULOUS!!! I have already been to a doctor and prescrymeds for inflammation in my lungs from breathing in the mess that is our bathroom and bedroom. Adjuster told me to clean everything off the floor and throw out, did, then he wants me to haul it out of the garbage bags. Stay far away from this insurance company and adjuster Eric. read more

This is the multiple time I have had a hard time working with foremost. When trying to resolve a problem with my account that was caused by a "system error" Matt Griffith (the employee I had the "pleasure" of speaking with) told me there was nothing he could do to help me and I'm just going to have to take the lose although the reason for the call in the first place was due to the system! He was extremely unprofessional and a terrible agent to speak with. I then demanded to be transferred to a competent person where she was able to address my problem..... 45 minutes later. read more