Foremost Insurance Company Review

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Company Overview

Foremost Insurance is part of the Farmers Insurance Group, one of the largest property and casualty insurance companies in the United States.  Foremost has been in business for over six decades and offers specialty insurance products to insurance customers in 50 states, although all products are not available in every state.

Foremost Insurance first opened its doors in 1952 when Edward J.

Frey, Edward L. Stoddard along with some other investors founded the company as a provider of mobile home insurance.  Through the company’s efforts with state legislators, mandatory tie-down laws for mobile homes were established to help defray the effects of wind damage. Foremost Insurance also created a policy for travel trailers.

Since that time, the company has expanded its insurance products to provide auto, homeowners, specialty vehicle, business insurance and other insurance products. Farmers Insurance Group acquired Foremost Insurance in March of 2000. The company’s expansion into auto insurance was launched with its purchase of Bristol West. Foremost auto insurance is available in 43 states. Foremost Insurance is headquartered in Grand Rapids, MI and employs more than 2,000 nationally with over 30,000 independent insurance agent representatives in 50 states.

Company Affiliations

When you hear the name “Foremost” you may hear it in combination with its affiliated companies.

Foremost Insurance is a part of Farmers Insurance Group which in turn, is a wholly owned entity of Zurich Financial Services Group.  Founded in 1872, Zurich operates its financial services globally and is headquartered in Zurich, Switzerland.  Bristol West is the branch of Farmers Insurance Group that provides auto insurance.

There is also an affiliation with AARP to provide its members mobile home and motorcycle insurance as well as with J.C. Taylor to provide underwriting, claims and certain operations functions.

Financial Stability, Customer Service and Recognitions

Financial strength and stability is an important part of what makes an insurance company strong and able to stand the test of time when many competitors may fail. Foremost Insurance Company has top financial strength ratings from these top insurance rating organizations:

Foremost Insurance has received the highest rating of “A+” from the Better Business Bureau and has been an accredited company with the organization since 1998.

Insurance Products

Insurance products available to customers of Foremost Insurance include:

  • Business Owners
  • Commercial Auto
  • Workers Compensation
  • Umbrella Insurance
  • Auto
  • Home
  • Motor Home
  • Fifth-Wheel Insurance Coverage
  • Travel Trailer Insurance Coverage
  • Luxury Motor Coach Insurance Coverage
  • Mobile Home
  • Vacant Home
  • Landlord and Rental Home Insurance Coverage
  • Seasonal Home Insurance Coverage
  • Motorcycle
  • Off-road Vehicle
  • Scooter
  • Golf Cart
  • Neighborhood Electric Vehicle
  • Snowmobile
  • Personal Watercraft
  • Boat Insurance
  • Collectible Auto Insurance
  • Flood Insurance

Pros and Cons


Foremost Insurance provides a customer-friendly website where you can find an agent, pay your bill or file an insurance claim. The claims service is 24/7 every day of the year. The company has strong financial strength and customer service ratings. Specialty insurance products are offered such as classic auto insurance or insurance for off-road vehicles that might not be widely available through other standard insurance carriers.


Foremost Insurance has no online quoting capabilities for its insurance products. Foremost may use Credit-based insurance scoring in some cases as stated on its website. While this can be a good thing for people with great credit, if you have a lower credit score, your rates may be higher.

Contact Information

To find out more information about the insurance products offered or to contact a local agent, you can visit the Foremost Insurance website . For customer service, you can contact your local Foremost agent of call these customer service numbers:  Auto-1-888-888-0080; All other products-1-800-527-3905; Foremost AARP Service Center-1-800-752-2461 or Foremost Direct Service Center-1-800-237-2060.