Foremost InsuranceReviews of foremost.com

I was hit in the rear by Foremost Insured this nasty claim Naveed Ikram is trying to give me 2000 for my totaled out vehicle, leave my car in the body shop with 8700 in charges for me to pay, take the rental away, and their insured hurt me in the accident, Naveed Ikram is making me take uber to the doctors, stay away from these crooks!!!!!!

Very poor customer service. We were on auto payments and all of a sudden we are not. So called to ask why and to be put back in and they refused.

Update: After receiving the quote for our claim from the insurance adjuster, we contacted the water mitigation company that the insurance company recommended and that completed the initial water cleanup to schedule a time to work with their contractor. However, they informed us that they are not currently taking on new construction or repair work. Because of this, we had to find our own contractor. After assessing the damage and reviewing the insurance adjuster’s quote, the contractor immediately asked who our insurance provider was. When we told him it was Foremost, his response was, “They are very difficult to work with and will most likely not cover the full cost of repairs.” As he reviewed the estimate, he pointed out several areas where the adjuster significantly underestimated the amount of drywall and flooring needed. He also explained that because about a third of the bedroom flooring had already been removed due to the damage, and the existing flooring is over ten years old, it would be nearly impossible to match. As a result, the entire bedroom floor would realistically need to be replaced to restore the room properly. He provided a new estimate to submit to the insurance adjuster, which came out to about $3,000 more than the original quote provided by the insurance company. After reviewing it, the adjuster increased their estimate by only about $200. Our contractor was not surprised and reminded us that he had warned us how difficult this company can be to work with. He has since submitted a revised counter estimate, and now we are waiting again. It is incredibly frustrating that an insurance company would seem more focused on minimizing payouts than on restoring their customers’ homes to proper condition after legitimate damage. At this point, my rating remains the same—zero stars if that were an option. Update: After reviewing new photos from the water mitigation team, the company decided to reopen our claim and confirmed they will cover the reconstruction of the removed drywall and flooring. They have issued a partial payment and stated the remaining balance will be paid upon receipt of a certificate of completion. I will update our rating once the full claim is paid and the work is completed without further issues. I would give zero stars if that were an option. Our water heater failed overnight and flooded our spare room, closet, and laundry room. When we reported it, they immediately told us to call a water mitigation company to begin cleanup. After several days of testing, the mitigation team confirmed that drywall and flooring had to be removed, which they did throughout the affected areas. We then had a licensed plumber inspect the water heater, document the failure, and provide photos clearly showing that the flooding was caused by the malfunctioning unit and that it needed to be replaced. Despite all of this, our claim was denied. Their excuse? Alleged “previous damage” supposedly observed by the mitigation team and “insufficient documentation” from the plumber. This is unacceptable and feels deliberately dishonest. When an actual emergency happens, this company looks for any excuse to avoid paying a claim, even when you follow every step they tell you to take. Absolute garbage service. Completely unreliable. I will never use this company again and strongly warn others not to depend on them when it actually matters.

My mom died on 12/09/2025. Her manufactured home was transferred into my name on 01/02/2026. I then sold the home on 01/27/2026. I have provided Foremost with the death certificate on two separate occasions & they do acknowledge receiving them. I forwarded information showing the home was transferred to my name on 01/02/2026. I've also provided a copy of the will. Yet, Foremost still refuses to cancel the policy & issue a pro-rated refund to her estate. They don't want to cancel the policy until 3 months after she died & the policy renews. The home ownership has transferred twice since she died and still they won't cancel the policy. Do not do business with this company.

Our water heater burst and flooded our home during the Thanksgiving holiday. While most people were spending time with family, we were dealing with a serious emergency. My wife shut off the system at the panel while I closed the water valve, and I spent the night draining water until the plumber arrived. The plumber replaced the water heater, installed new fittings, added a drainage tray, and required that we install a 50 PSI pressure regulator because our water pressure was dangerously high. After years of paying Foremost every month without fail, they denied our claim and gave inconsistent explanations each time we followed up. This has been extremely stressful and financially damaging. I strongly warn others to stay away from Foremost Home Insurance. When you need them most, they do not stand behind you.

Absolute worst insurance experience ever! Unreliable, dishonest and misleading!!!

I don't know how this company could receive any stars whatsoever. They are absolutely the worst company I have ever delt with. Run away, run far away.

Foremost is a terrible company. The list of what they WON'T cover is thousands of words long. Page after page of it. When you DO file a claim for one of the few things they actually cover, they don't come close to covering your total loss. Been there, done that. The ONLY reason I use them is that no other carrier will insure my manufactured home in its current location in a county-approved manufactured housing park in Boulder Colorado. The premiums just keep going up as the actual coverage goes down. I'd dump them immediately if there was ANY other alternative.