What is the contact number of Foremost Insurance?

800-527-3905Foremost Claims Service. Or call 800-527-3907 (available 24/7) to file or check a claim.

How do I file a home insurance claim with Foremost?

You can submit a claim online or by contacting your Foremost insurance agent.

Where can I get Foremost homeowners’ insurance?

Homeowners insurance from Foremost is offered in all 50 states and in Washington D.C.

Foremost Insurance Review:

A Better Insurance Experience In 2026?

Explore, select, and save with agents who understand your unique needs.

Foremost insurance review by Agency Height covers everything you need to know before deciding if Foremost Insurance can provide the best insurance experience for you.

Here, we help you decide if Foremost is the right insurance experience for you.

Foremost Insurance Rating Overview

Total Reviews: Consumer Affairs (107), Clearsurance (183), Google Play (124) | Total (414)
Total Ratings: Consumer Affairs (3.8), Clearsurance (3.54), Google Play (3.8) | Average (3.71)
Foremost insurance phone number: 800-527-3907
Address: 8430 W Bryn Mawr Avenue, 3rd Floor Chicago, IL 60631

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About Foremost

A member of the Farmers Insurance Group of Companies, Foremost Insurance was founded on June 12, 1952. It was the first insurance company to offer policies for mobile homes and has been a specialist insurance carrier ever since. Foremost may be able to help high-risk drivers who are having trouble getting auto insurance with standard policies and homes with unusual occupancy situations.

With over 38,000 agents in 50 states, Foremost offers various policies to match your needs. They specialize in insurance for high-risk properties with bad credit scores and were given an A (Excellent) grade in financial strength by A.M. Best. They’re a viable option if you have problems obtaining coverage from other standard insurance carriers in the market.

While Foremost Insurance is best known for its RV and mobile home insurance (which it offers in collaboration with AARP), the company also provides good home and car insurance policies that are popular in the market.

Foremost Insurance – The Pros and the Cons

Pros

Provides comprehensive and customizable coverage.
It comes with an interactive mobile app that has great features and is mobile-friendly.
Their home insurance covers vandalism and intentional mischief.
AARP and USAA members can access additional programs and offers through Foremost.

Cons

You cannot apply to Foremost Insurance online, and it has no online features.
Third-party site ratings and reviews are negative
You may find the car insurance policy too basic compared with other carriers.
May not be affordable for homeowners who are on a budget.

Foremost Products

Here’s a list to give you a basic idea of the types of policies that Foremost Insurance can provide.

Home

Mobile Home
Home
Vacant
Seasonal
Landlord
Renters
Owner-Occupied
Condominium
Flood

Auto

Auto
Collective Auto
Commercial Auto
Motorcycle
Off-road vehicle
RV

Marine

Boat and Watercraft

Foremost Car Insurance

For car insurance, Foremost works with Bristol West, another respected carrier, to insure high-risk drivers who may have trouble acquiring coverage elsewhere. While Foremost may have more advantages and coverage alternatives than some non-standard insurance firms, it’s still limited compared to larger businesses such as GEICO.

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Coverage	Average Annual Full Coverage Premium
Clean driving history	$1,674
Speeding ticket conviction	$2,062
At-fault accident	$2,531
Adding a 16-year-old driver*	$2,311

Rates for 16-year-olds include the cost of their parents’ full-coverage automobile insurance policy.

Foremost Home Insurance

Coverage options are generally limited compared to those offered by many standard or preferred insurance companies. But on the plus side, those who have trouble finding homeowners insurance owing to credit difficulties or who own properties that other carriers won’t cover may find Foremost a viable choice.

Dwelling Coverage Limit	National Average Annual Premium
$150,000	$898
$250,000	$1,312
$350,000	$1,723
$450,000	$2,148

Retrieved from Foremost Website

Foremost Insurance offers a variety of insurance options, including:

Mobile Home Insurance: Foremost mobile home insurance is well-versed in the demands of mobile homeowners, having been the first business to offer this type of insurance.

Seasonal Home Insurance: This is designed for people who own a home but only live in it for part of the year.

Collectible Car Insurance: Foremost offers collectible auto insurance through JC Taylor, which is suited to the needs of collectible cars, particularly vehicles that are displayed at car shows.

Foremost Car Insurance Discounts

Foremost gives you the opportunity to save money on your insurance coverage. Take a look at some of the options for keeping more of your hard-earned cash in your pocket.

Electronic pay – Save money by paying securely online.
Bundling your policies – Foremost Insurance offers a discount when you combine your auto and home insurance policies.
Insuring more than one vehicle simultaneously – You can pay less on your premium by insuring multiple vehicles with Foremost.
Kids away at college – If your children are in college, you may be able to get a lower rate.
Advance premium payment – Paying your entire premium ahead of time will save you money.
Switching from another company to Foremost – You should expect to save money if you leave another company to go with Foremost.

Foremost Insurance Real Customer Reviews and Ratings

3.8

(6 Reviews)

(1)

(3)

(2)

(0)

Reviews

“For the sake of saving money, we switched our homeowner’s insurance to Foremost. Our roof needed to be replaced, so we had to file a claim. Everyone was really professional and kind from the beginning of the claim. Everyone there handled the claim fast, and Mrs. ** was quite helpful during the inspection. We simply want to suggest this homeowner’s insurance. Thank you very much to everyone at Foremost Insurance for their assistance and excellent customer service! We are pleased to have Foremost as our home insurance provider.”

“I had given 2 stars to Foremost 2 and a half months back because they were sending me outstanding fees after I let my homes insurance lapse on purpose, since I found much cheaper insurance. When I contacted, I explained that I had let the policy lapse on purpose since I had obtained cheaper coverage 10 days before theirs expired. However, then I was issued a bill for time after my policy was canceled. After I called and explained the situation. Today, the problem is solved, thank you Foremost Insurance!”

“In Louisiana, I live in a hurricane zone, and many insurance companies refuse to insure people in our area. Foremost has accomplished this, and not at an alarming rate. When we did have to file a claim, they were really flexible and went out of their way to make sure we were comfortable while our home was being repaired.”

“Our insurance does not come from a typical insurance provider because we live in a mobile home. Due to the risk, only a few insurance providers cover mobile homes. Our rates are a little excessive for the quantity of coverage we have, but we can’t afford to increase it. To others, my advice would be to try to build or buy a stick-built home. It is not only safer, but it also costs less to insure. Overall, Foremost Insurance is good for mobile home insurance.”

“Foremost is far too costly. For the past 15 years, it has risen every year from $500 to over $1,000. It’s insane.”

“Foremost is a decent insurance policy. We’ve known them for quite some time. So far, we’ve only had to utilize the insurance once. A new roof had to be installed. Called them, and they provided us a check for a new roof in the mail not long after we called. I’d give them a recommendation. They are intended for use with mobile home trailers.”

Source: Google Reviews, Facebook Reviews

Foremost Rating for Financial Confidence

Rating Services	Ratings	Description
A.M. Best Rating	A	Excellent Financial Standing
Moody’s Rating	N/A	Not mentioned for the ratings
Standard & Poor’s Rating	A	A Strong company that may have some issues in the face of business and financial challenges
Better Business Bureau	A-	Adequate capacity to pay financial commitments
NAIC	Good	Foremost receives less complaints than average

File a Claim with Foremost in 5 Simple Steps

Filing a claim with Foremost is straightforward. Whether you’re dealing with a minor incident or a major loss, the Foremost claims team is there to guide you every step of the way. Here’s a quick overview of five-step process to help you understand what to expect:

Claims Assignment: After filing a claim (call 800-527-3907 anytime), it’s assigned to a claims professional who may work with a team if needed.
Initial Contact: A claims adjuster contacts you to discuss your coverage, explain the process, suggest ways to prevent further damage, and schedule any in-person assessments if required.
Evaluation and Estimation: The claims professional reviews the loss by gathering information, inspecting damages, and reviewing documentation to determine the coverage and amount.
Resolution: We work to settle the claim by paying what you’re owed or explaining why a payment isn’t applicable.
Claim Closure: Once resolved, the claim is closed. If additional expenses arise, we can reopen the claim for further investigation

Conclusion: Agency Height’s Rating for Foremost Insurance

Foremost insurance has good coverage options for your home and car but is limited compared to other insurance companies. Foremost Classic ACV and Foremost Classic CL are the company’s two basic house insurance packages. Some homeowners searching for more comprehensive coverage may need to look elsewhere. These basic packages offer just a modest number of endorsements that can be added to improve coverage.

Customers need not be concerned about the company’s financial stability because it is a member of the Farmers Insurance Group. Being a member of this group comes with additional perks of having association with the AARP and USAA which means more insurance quotes to choose from with trusted insurance brands, although the cost and lack of comprehensive coverage alternatives may be a deal-breaker for some.

Overall, Foremost’s home coverage may well be a good choice for individuals who struggle to obtain affordable insurance coverage among traditional insurance providers, thanks to its many years of experience in the market and its affiliation with one of the top insurers in the United States.

Unsure if Foremost is the Right Choice for You?

Choosing the right insurance provider is an important decision that requires careful consideration of various factors. If you’re currently deliberating whether Foremost is the right choice for your insurance needs, it’s essential to go through all your options to make an informed decision. Here’s a list of other best insurance providers in 2023 that you might be interested in:

Foremost vs GEICO

Both Foremost and GEICO offer a wide range of insurance coverage options. GEICO is known for its competitive rates and often advertises affordable premiums. They also offer various discounts based on factors like safe driving, multiple policies, and good academic records. To know more, check out:

GEICO insurance reviews >>

Foremost vs Travelers

Both Travelers and Foremost are financially stable companies. Travelers has a strong reputation and is considered one of the largest property and casualty insurers in the United States. However, insurance pricing can vary based on individual circumstances and coverage needs. To know more, check out:

Travelers insurance reviews>>

Foremost vs Allstate

Allstate emphasizes its customer service, offering multiple channels for support and convenient online tools for policy management. Foremost relies on a network of independent agents who provide personalized assistance and guidance to policyholders. When comparing Allstate and Foremost, consider your specific insurance needs, the coverage options available, the customer service experience offered, and obtain personalized quotes for accurate pricing. Check out:

Allstate insurance reviews>>

Frequently Asked Questions

What is the contact number of Foremost Insurance?

800-527-3905

Foremost Claims Service. Or call 800-527-3907 (available 24/7) to file or check a claim.
How do I file a home insurance claim with Foremost?

You can submit a claim online or by contacting your Foremost insurance agent.
Where can I get Foremost homeowners’ insurance?

Homeowners insurance from Foremost is offered in all 50 states and in Washington D.C.

Methodology: How Agency Height Provides Carrier Reviews

To ensure accurate and reliable carrier reviews, Agency Height follows a thorough process:

Product and Coverage Information: We obtain detailed information directly from the official Foremost Insurance website. This includes the types of coverage and products offered by the carrier.
Third-Party Ratings: We incorporate ratings from trusted agencies such as NAIC, BBB and AM Best, which provide insight into Foremost Insurance’s financial commitment status and customer service reputation.
Customer Reviews: For real customer feedback, we gather reviews from popular platforms like Trustpilot, Yelp, and Google to understand the experiences of policyholders with Foremost Insurance.

This multi-source approach ensures our reviews are well-rounded and trustworthy.

** Data verified as accurate at the time of publication

Sources

Carlos Ramirez

Updated on: June 18th, 2026

Carlos Ramirez is a licensed insurance agent with 12 years of experience helping clients protect their homes, vehicles, and businesses. Based in Colorado and licensed in 30+ states, he makes insurance simple and practical. His writing draws from real experience to help readers make clear, confident coverage decisions.

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