2.6
15 reviews
Other Insurance Companies:
  • Average: 3.4
  • High: 5.0
Type:
Car Insurance Companies, Home Insurance Companies
Foremost

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Foremost
 
2.6

(based on 15 reviews)

Ratings Distribution

  • 5 Stars

     

    (3)

  • 4 Stars

     

    (3)

  • 3 Stars

     

    (1)

  • 2 Stars

     

    (1)

  • 1 Stars

     

    (7)

50%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

No Best Uses
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Most Liked Positive Review

 

Foremost is great insurance for Mobile Home owners

Three years ago I bought a mobile home to live in during my retirement.  I know many people think of these homes as low income or vacation homes but for me it is my...Read complete review

Three years ago I bought a mobile home to live in during my retirement.  I know many people think of these homes as low income or vacation homes but for me it is my heaven on earth!  I am single and live alone and indeed changellenged by living on veterans dissability and a bit of Social Security so the fact that I could even buy a home at all was a miracle to me.

Before closing the deal I researched on the internet for an insurance company and discovered that there seemed to be only one company serving mobile home owners and that was Foremost which I discovered through my AARP membership.  I was worried that this lack of competition would mean high prices and bad service but as I had no choice I went ahead and called the company.

Much to my surprise I discovered the folks answering the phone seemed really nice and were patient with me answering every question and helping me get the necessary papers to take to the closing.

A few months after moving in there was a severe wind storm which resulted in damage to my roof requireing a complete replacement.  I was scared to death that I would not be able to pay for the new roof - but then I remembered I had Foremost.  I called and they immediately authorized the repair!  My roof was replaced and I will never have to worry about it again.  The premium I pay to Foremost is fair and gives me peace of mind to enjoy my retirement.  The folks at the company are so nice to work with and I am completely satisfied with them.

VS

Most Liked Negative Review

 

Foremost Mobile Home Homeowners Insurance BEWARE

Foremost Mobile Home Homeowners Insurance.  READ EVERY LINE OF THE POLICY!  I recently had a claim for water damage inside my mobile home which Foremost refused the claim.  They said...Read complete review

Foremost Mobile Home Homeowners Insurance.  READ EVERY LINE OF THE POLICY!  I recently had a claim for water damage inside my mobile home which Foremost refused the claim.  They said they do not cover losses caused by WIND BLOWN RAIN DAMAGE?! What?  The coverage is quite expensive and this exclusion is quite disturbing. 

Reviewed by 15 customers

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1.0

Don't Do It

By 

from Texas

Comments about Foremost:

The dealership recommended this insurance company and since it was a Saturday I thought I would try them. HUGE mistake! We were unable to get the paperwork originally and when we finally received it the information was wrong. The VIN was incorrect as well as the value of the vehicle. We paid almost $18,000 for the motorcycle but the paperwork we received showed the value at $12,500. When we asked that it be corrected we were told to cross it out and write the correct amount ourselves (which isn't legal on a contract). Our first auto draft payment went through but the next one never cleared and we received a cancellation notice. When we called again we were told that it was set up to auto draft again but that date rolled by as well with no payment made. We never received the corrected paperwork and the policy was cancelled. We received another bill today (a month later) saying that we owe them $15 for the period that we were covered and hadn't paid even though we called multiple times and were told it was taken care of on multiple occasions. Thank God we never had to file a claim. I can only imagine what a nightmare that would have been. Horrible customer service from both the people we spoke with. Don't waste your time or money!

(2 of 3 customers found this review helpful)

 
1.0

Homeless in Locust Grove AR

By 

from Locust Grove ,AR

Comments about Foremost:

I have carried Foremost Mobile Home insurance for several years. Made a claim this month and it has been denied twice and they have left me homeless. I had a new roof put on my home 2 years ago. Several weeks ago black mold started growing in my home and took over the house within a weeks time leaving the home dangerous to live in. My husband is also immunocompromised from a renal transplant and is now in the nursing home thanks to foremost. They have denied due to what they are saying the roof was installed incorrectly. It was put on by a licensed contractor. DO you know how long it will take to get through the court system with him. Other people in this area say there insurance pays then sues the contractor on your behalf when something like this happens. Do not use this company. *******WARNING*** they will destroy your life..

(1 of 1 customers found this review helpful)

 
1.0

Raised Annual Premium Over $600

By 

from Knoxville, Tennessee

Comments about Foremost:

Got my homeowners renewal and my annual premium had gone up $600 with no explanation. I called the office asking why and they could not or would not tell me. I have had the insurance for a long time and had 1 claim over 9 years ago for $1,700. I am very unhappy and checking out another company for insurance.

(2 of 2 customers found this review helpful)

 
1.0

Landlords, Don't Choose This Company

By 

from Binghamton, NY

Comments about Foremost:

After using this company for 30 years to insure our properties, and only having 2 small claims during all that time, they just cancelled our insurance over someone slipping on an icy sidewalk 2 winters ago. We always keep our premiums up to date. There was no reasoning with them. I guess loyalty and paying bills on time means nothing to them.

(7 of 8 customers found this review helpful)

 
2.0

Not sure why I stay with them

By 

from Undisclosed

Comments about Foremost:

I signed up for Foremost through AARP and had no problem with them until I had to file claims. Part of my roof blew off and they paid to have it fixed. Two years later I discovered that the contractor had fixed it improperly, the roof was leaking, and I had mold in the ceiling. The contractor had abandoned their business and when I went back to Foremost their very rude adjuster told me that it was my problem. It had to be fixed ASAP and I had no resources to fix it other than financing my house (which I did because I thought I was stuck), though I had previously owned it outright. Several contractors I called for estimates advised me that the corrective procedures should also have been covered and I called Foremost again, with the same response. I then complained directly to AARP, who intervened on my behalf, and Foremost finally sent a supervisor and agreed to pay for the repairs. This took over a year to resolve.

Customer Service
It's not the customer service department itself that's the problem with this company, it's their approach to it through their adjusters, who have seem to have little concept of what service means.

Available Plans
The plans themselves are decent, and fairly inexpensive.

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(7 of 8 customers found this review helpful)

 
5.0

Excellent Mobile Home Coverage at Decent Rates...

By 

from USA

Comments about Foremost:

I had Foremost Insurance on my mobile home from 2002 until 2013. I had to file one claim for damage to our roof due to several straight-line wind storms that happened in 2011. We carried replacement cost coverage so that we would be reimbursed at full value and not depreciated value and I would recommend that to anyone buying insurance unless the cost is prohibitive. We didn't report the damage immediately, but gradually noticed more and more shingles showing up in our yard over a couple of weeks, so my wife suggested that we go ahead and file our first claim. It was handled fairly well, but since it was the week before Christmas 2011, our adjuster who came out initially failed to mention that he would be out of the office and unreachable during the week of Christmas. His voicemail provided a contact for his supervisor since we needed an adjusted claim amount after having a contractor come out and look at the roof. The amount we were reimbursed at replacement cost (with no depreciation taken out less a $250 deductible) allowed us to replace the entire roof which increased the value of the home. The initial payment was issued on the spot when the adjuster came out and the additional items (about $150 in total) were paid via check and we received it within 3 days of the phone call. The supervisor who approved the additional amount didn't quibble about the amount nor the item -- it was simply overlooked during the initial inspection and also the length of the roof was mis-measured, so it took more shingles than expected.

I would recommend this company to anyone with a mobile home needing coverage. They will cover homes over 8 years old and that is not something many companies will do. And as I said in my summary, the rates were decent and we received higher coverage at lower rates than we could have with any insurer we checked with over the years.

Customer Service
I had only minimal contact with customer service. When I did, they were helpful and pleasant to deal with.

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(1 of 2 customers found this review helpful)

 
4.0

Allows Out of State Rental Property

By 

from Elkhart, IN

Comments about Foremost:

Foremost was able to give me a cheaper quote for an out of state rental property than any of the other companies in which I checked. That included the company in which I currently insure a number of other rentals and my primary residence.

Customer Service
The insurance agent has been very helpful, and has even visited the property since I first obtained coverage. At one point, this agent even let me know when the tenant had excessive debris and garbage on the porch. Since I was living in another state, this was very helpful! She also reviewed my policies from my other agent to ensure that I was getting the coverage I needed.

Available Plans
Most insurance companies will only allow their agents to insure a rental property, if you have your primary residence insured thru them. Foremost did not take any current insurance in consideration. They were able to work with me without my having to switch all of my properties to their company!

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(8 of 8 customers found this review helpful)

 
1.0

THEE WORST EVER!!!

By 

from USA

Comments about Foremost:

This co. is a prime example of how to use "bait and switch" tactics. The worst possible customer svc. If you have them you better hope you don't run into any problems. They are rude and just plain despicable to try and talk to even with the simplest of questions. After finally cancelling them they still continued to bill me and now are sending threatening letters to send me to a collection agent. They are stupid, ill-informed, ignorant and strongly suggest you decide on a reputable company because after you sign on with them (notice it's after you've signed on and cancelled your other policy) they get you and raise the rates saying it's not their fault it's "the company who does their underwriting"who is insisting-which is all a line of BS. By the way you have to go thru 3-4 different companies with them because one end is always pointing the finger at the other!!!! Thus ending in frustration after you are the one making phone call after phone call. DONT USE THEM. THEY ARE NOT CHEAP AND ARE NOT NICE. BAD BAD BAD COMPANY TO SIGN UP WITH TO DO ANY BUSINESS.

Customer Service
Absolutely the worst. They consistently lie and are rude.

Available Plans
who cares how many plans they have when they go changing everything on you after the fact anyway??!!!!

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(4 of 4 customers found this review helpful)

 
3.0

Not my Favorite Company

By 

from Fort Lauderdale, FL

Comments about Foremost:

Prices are good/ competitive for car insurance, but not my favorite company for customer service.

Customer Service
Not my favorite company for customer service. They can be rude and pushy on the phone. It's like they don't actually listen to you when you talk to them, they keep having me repeat myself.

Available Plans
Only three ways to pay, Check in the mail, or debit/credit card online. I sent a check once and they said they never got it and when I called I paid with a credit card and then two days later they cashed my check after telling me they would contact me if my check was ever received. Right there that tells me they are not a company to trust with my payment.s

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(21 of 22 customers found this review helpful)

 
1.0

This company is the bad

By 

from USA

Comments about Foremost:

This company is the worst company i have ever come across everything will be fine until you do a claim they will make excuses not to pay for you claim specially water damages even do you carry water damage BAD COMPANY be aware !!!!

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