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Last updated on Oct 28, 2020

Foremost Homeowners Insurance Review

Policies for low-value, older, or damaged homes that are often declined by insurers ​

Foremost Homeowners Insurance

  • Specializes in problem homes
  • Insures homeowners with bad credit
  • No online applications

How We Reviewed Foremost Homeowners Insurance

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7 companies compared

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5 features evaluated

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3 ratings analyzed

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Foremost specializes in covering homes that are older or have visible damage. The company is also willing to take on homeowners who have bad credit or a history of claims. If you’ve been turned down by standard insurers, or your current company won’t renew you, Foremost home insurance could be a good fit for you.

Foremost Insurance

Foremost Homeowners Insurance


  • Accepts people with poor credit or multiple claims
  • Will cover homes that are older or lower in value
  • Insures homes with visible cosmetic damage
  • Insures vacant homes
  • In business since 1952


  • More expensive than lower-risk insurance
  • Mixed customer reviews

The Home Insurance Factors We Analyzed


Pricing for a homeowner’s policy through Foremost is likely to be higher than standard carriers because this company specializes in hard-to-insure houses and homeowners. You can probably find a better price if you’re able to buy a standard policy elsewhere. 

Two of the most significant factors that influence your premium are your home’s location and replacement cost. The age and condition of your home also have a considerable impact on price. 

You can customize your coverage and tweak the price by choosing a higher deductible or lower liability limits.  If you select a policy that covers the full replacement cost of your property, you’ll pay a little more. 

Foremost offers discounts for multiple policyholders, so if you have another property or a vehicle to cover, you could save some money. 

Customer experience

Customers seem to be having mixed experiences with Foremost. The firm, however, has fewer customer complaints about its homeowner’s insurance products than its peers, according to the National Association of Insurance Commissioners. Their reviews onlineare also very mixed. The Better Business Bureau redirects all inquiries to Farmer’s Insurance, which is the parent company of Foremost. The Farmers Group has over 600 customer complaints and poor reviews on the BBB site. 

The process of buying Foremost home insurance varies by state. Some customers are able to get an online quote, but in many states the website can only direct you to a local agent. All customers can access their documents using online tools after buying a policy, though. You can also pay your bill online or set up automatic payments.


Foremost’s homeowner’s policy provides basic comprehensive coverage of your home and property. Liability coverage is also included, in case a visitor to your home is injured or their property is damaged. If you want more coverage, you can upgrade to a full replacement cost policy. If you have a home-based business, you can add business property and liability to your policy.

To determine how much coverage you need, make an inventory of your personal property and estimate its total value. If you own expensive objects like jewelry, electronics, furs, or business equipment, have each article appraised and talk to your agent to be sure you’re covered for their full value. Photograph the appraisals, any receipts, and the items themselves and store those records somewhere outside your home. 

The Bottom Line

Foremost is a lifesaver for people who can’t get insurance elsewhere. The company specializes in covering older or lower-value homes and those with cosmetic damage. People who are denied by standard carriers because of credit issues or a history of claims can also turn to Foremost for a policy. 

Although some customers have shared complaints about their experience with Foremost and its parent company, Farmers Group, the BBB still gives the company an overall rating of A+. If you need a homeowner’s policy and can’t find it elsewhere, Foremost insurance has you covered.

Foremost Homeowners Insurance Overview: Financial Strength, Availability, and History

Foremost has been in business for 65 years. The firm is part of the Farmer’s Insurance Group and works with more than 38,000 agents across the United States.  Foremost pioneered mobile home insurance in the early 1960s, and was chosen by AARP to provide mobile home and motorcycle insurance to its members. 

  • In business since 1952
  • S&P Financial Strength Rating: A
  • Moody’s Financial Strength Rating: N/A
  • AM Best Financial Strength Rating: A
  • States served: All 50 states plus Washington DC

The Competition

 AM Best Financial Strength RatingJ.D. Power 2019 U.S. Home Insurance Study ScoreJ.D. Power 2020 U.S. Property Claims Satisfaction Study ScoreNAIC Customer Complaints
Foremost Homeowners InsuranceAN/AN/A Fewer complaints than average
Amica MutualA+5/5902/1000Fewer complaints than average
Country FinancialA+3/5N/AFewer complaints than average
ProgressiveA+3/5867/1000Fewer complaints than average
AllstateA+3/5882/1000More complaints than average
American FamilyA+3/5881/1000More complaints than average
Liberty MutualA2/5877/1000Fewer complaints than average

*All information accurate as of June 27, 2020.

How We Evaluated Foremost Homeowners Insurance

We based our methodology on a profile developed by the Reviews.com team based on a family of three with an annual income of $70k with a dwelling cost of $320,000 to determine the average premium for customers. We then evaluated the companies based on their customer rating and experience, cost, financial stability, and coverage to determine the best providers.

Foremost Homeowners Insurance FAQ

About the Authors

The Reviews.com staff is dedicated to providing you with all the deep-dive details. Our writers, researchers, and editors came together from Charlotte, Seattle, San Juan, Fort Worth, Fort Lauderdale, San Diego, and Chicago to put this review together.