Foremost InsuranceReviews of foremost.com

I've never dealt with such an unresponsive and chaotic insurance provider. For seven straight months my policy kept canceling due to what they called a technical issue. It couldn’t process auto payments and eventually stopped accepting online payments altogether. That left me stuck calling in each month, spending 30 minutes to over an hour on the phone just to pay my bill. I did this for eight months. When they finally fixed the issue they withdrew money from my account that I never owed and now refuse to acknowledge the mistake or issue a refund. I double-checked all transactions through my banks and compared them against their own policy records. There is no dispute on my end. But they won’t own up to it. I attempted to resolve it through the Better Business Bureau but they ignored the process and sent a completely inaccurate summary of my case. I’ve spent countless hours calling in including one session over an hour long where the representative insisted I stay on the line only to offer zero answers. The reps seem disorganized confused and unable to access any actual help or provide contact details for higher-level departments. No phone number. No email. Nothing. Every time I called back the new representative had no idea what the previous one had done or noted. It’s a completely broken system and after this experience I cannot fathom what a nightmare it would be to try filing an actual claim with this company.

My problems started last August/September. In August, the credit card I had on EZPay was fraudently used and my new credit card was not going to be received in time for my next payment. I added a new credit card and when the premium didn't draft (no fault of mine), I received a cancellation notice. I called and gave them the replacement credit card number and said it was okay to draft that premium immediately and please leave my draft date the 1st of every month. Well, they didn't draft until the 15th of that month and hit my card for 2 months premium and my new draft date was the 15th. About 3 weeks ago, I added a new credit card number (so all my bills would draft on 1 card), I just looked again and they have automatically changed my draft date back to the 1st of the month, and didn't draft for this month (May) but are drafting a double payment on the 1st of next month. This company is horrible and my renewable period is 8/2 and I'm starting to shop around. I have never had this type of problem with any other company. Also, on April 2, 2025, I had a flat tire while traveling. I pulled off the freeway at a Marathon in York, Alabama (approximately 25 miles from Meridian, MS and 60 miles from Tuscaloosa). When I called, I was asked if I was in a safe area. I'm in a parking lot, not sure if it's a safe area (I am traveling). I was told I should receive a text message with an ETA in about 10 minutes. 1st text: apologies for the delay. Our system is till searing for a service provider. You will receive an update in the next 10 minutes. Thanks for your patience. 2nd text: our system is searching for the best provider. You will receive an update in the next 5 minutes. 3rd text: right now, we are contacting the best available roadside assistance provider for our tire change. I'm sorry, but they should have been able to find someone within 30 minutes. UPDATE: On May 22, 2025, I canceled my policy with them and went with another well-known company for $61 per month less.

BEWARE of the fine print on this companies contracts. We changed out all of our insurance and then encountered this clause. "You may pay a substantial penalty if you cancel your Family Boaters policy prior to its expiration date. If you cancel your policy before the expiration date, it will result in the following. We will keep the greater of the following: 1) a minimum of $100; or 2) 10% of the pro rata return premium. If this notice accompanies a renewal offer, you have the right to cancel the renewal policy as of the renewal date without penalty."

The Steadliy insurance broker lined up Foremost insurance for my rental property. I paid the first 6 month installment and received a notification of insurance coverage. 3 weeks later I received a bill for another $700 to pay for the rest of the year. After processing my payment for the full year coverage, Foremost sent me a cancelation notice. I am now having a hard time getting my money back. What a scam!

Raised my auto insurance rate from $464 to $712/month after my 19 year old son got into one single accident (his only accident ever). They obviously do not offer accident forgiveness! $712/month is absolutely insane and unaffordable. Switching auto insurance providers now. Fyi I live in Georgia.

If you want to get a refund for the cost of the insurance you haven't used for the remaining months, DON'T USE THIS INSURANCE COMPANY, because they won't refund your money. I sold my house in August of 2024, and I should still have more than $1,200 for the unused months that needed to be refunded, now it has been six months, and I haven't gotten the refund, in the past six months, I have called them more than 10 times with and without the insurance agent to the customer service of Foremost Insurance, They always say that there is something wrong with their system and ask me to be patient with the same excuse every time, which makes me think that they don't want to refund the money at all. This is not legal. I am still trying to get them to refund me my money, if I can't receive my money within this month, I will report to the relevant authorities that they illegally withheld the cost of my unused insurance. There is a reason why all people only give ONE STAR to this insurance company. Originally, I called Farmer's Insurance broker to buy the insurance, but the insurance broker brought me this Foremost insurance, and he told me these two companies are the same company, now I think I was scammed into buying the insurance that not many people want to buy due to so many ONE STAR and bad reviews of this insurance company, therefore, they put pressure on brokers to sell Foremost insurance without customers' knowledge. The advice is to be sure to see clearly which insurance company you bought. Don't fall for it or you'll regret it.

Horrible, they stopped the contract with my insurance agency Farmers but never told me, which in turn I had no insurance despite paying the monthly payment on recurring payment. When attempting to resolve this as my registration also was affected I had to contact several agents at Foremost- all just kept saying nothing I can do we have a message into Farmers, I couldn't call Farmers myself because its all AI and it would say they don't hold my acct, call my agent. This took me 20 hours to resolve my son had to miss his college classes no one would insure us because we were noted to have a lapse. Each one blamed the other no one except for the last agent at Foremost was able to help me, but it was ultimately found to be Foremost ( Gaby) experian under so many names- They were suppose to be my agent working for me and they didn't, they cancelled and in NY you can't do this without a 30 day notice, never got one and they just kept passing it off, I asked if they could get me another insurance agency no one could, they just didn't care. But they kept charging my house insurance to y acct. If I could advise anyone, avoid this Third party agent

I will say that Foremost did a good job with our claim a couple of years ago. But outside of that, for day-to-day business, the customer service is awful. I've made multiple chats/calls/emails over the past month trying to get my payment posted to my account. Really? How hard can that be? Took two chats before they acknowledged that they had the check. Another chat, a phone call, and two emails to get them to produce a temporary proof-of-coverage document. Another chat to get them to acknowledge they had the payment for two weeks but had not applied it to my policy because of a "policy defect." Whatever THAT is. Another email, another call and they tell me there is an unresolved IT problem that they're working on. I asked if they could let me know when the problem had been resolved. They couldn't. Really? How hard is it to contact a customer? Added tip: While you're on hold, they'll encourage you to visit the website. Don't bother. It is useless. Can't even print your current policy documents unless you've recently made a change.