Foremost home insurance review guides often highlight this company’s unique niche. Foremost Insurance has specialized in manufactured and mobile home coverage since 1952. The company was founded in Grand Rapids, Michigan. It was the first insurer in the United States to offer a mobile-home-specific policy. Today, Foremost operates as part of the Farmers Insurance Group of Companies.
- Foremost Insurance Overview and Financial Strength
- Foremost Home Insurance Review: Coverage Options
- Foremost Insurance Home Insurance Discounts
- Foremost Insurance Home Insurance Cost
- Foremost Insurance Claims Process and Customer Service
- Pros and Cons of Foremost Insurance Home Insurance
- Who Is Foremost Insurance Home Insurance Best For?
- Frequently Asked Questions
Farmers Group is a wholly owned subsidiary of Zurich Insurance Group. This backing gives Foremost significant financial strength. The company is licensed in all 50 states and Washington, D.C. However, not all products are available in every state. Homeowners with manufactured homes, seasonal properties, or vacant dwellings should pay close attention to what Foremost offers.
Foremost Insurance Overview and Financial Strength
Foremost Insurance has more than 70 years of experience in the insurance industry. The company worked with the U.S. Department of Housing and Urban Development to establish original mobile home building codes. It also commissioned safety studies that changed how manufactured homes are built. Foremost partners with AARP for manufactured home insurance and with USAA for military families. These partnerships expand its reach to millions of Americans.
Any foremost home insurance review should examine financial ratings closely. AM Best gives Foremost an A (Excellent) financial strength rating. This means the company has a strong ability to pay claims. The NAIC complaint index for Foremost is approximately 1.33. A score of 1.00 is the national baseline. As a result, Foremost receives about 33% more complaints than the average insurer of its size. The BBB gives Foremost an A+ rating, though the company is not BBB accredited.
| Rating Source | Score / Grade |
|---|---|
| AM Best Financial Strength | A (Excellent) |
| J.D. Power Home Insurance Study | Below Average (ranked near bottom in 2025 study) |
| NAIC Complaint Index | 1.33 (baseline is 1.00) |
| BBB Rating | A+ (not accredited) |
Foremost Home Insurance Review: Coverage Options
This foremost home insurance review section covers the full range of available policies. The company offers standard homeowners insurance with dwelling coverage, personal property protection, liability coverage, and additional living expenses. However, Foremost truly stands out with its specialty products. Manufactured home insurance covers new and older mobile homes, modular homes, and park models. The company also insures rental mobile homes and vacant mobile homes.
Foremost provides several other property insurance options. Landlord and rental home insurance protects investment properties. Seasonal home insurance covers vacation properties that sit empty part of the year. Vacant home insurance is available for properties between tenants or under renovation. Condo insurance covers owner-occupied units, vacant condos, and landlord condos. Renters insurance rounds out the residential lineup.
In addition, Foremost offers flood insurance through the National Flood Insurance Program. This is especially important for manufactured home owners. For example, mobile homes in flood-prone areas often struggle to find coverage elsewhere. Foremost also provides auto, motorcycle, boat, RV, and recreational vehicle insurance. Many homeowners can compare auto insurance rates at Car Cover Guide since bundling auto and home insurance typically leads to significant discounts.
Foremost Insurance Home Insurance Discounts
A thorough foremost home insurance review must cover available discounts. Foremost offers several ways to reduce your premium. However, discount availability varies by state and policy type. In most cases, you will need to ask your agent which discounts apply to your situation. Here are the primary discounts Foremost offers.
| Discount | Details |
|---|---|
| Multi-Policy | Bundle home and auto or other policies for savings |
| Home Safety Devices | Fire alarms, deadbolts, and security systems |
| New Home | Discount for newly built or recently purchased homes |
| Claim-Free | Savings for policyholders with no recent claims |
| Paid-in-Full | Pay your annual premium upfront for a discount |
| Masonry | Homes built with 90% or more eligible brick material |
| Paperless | Enroll in paperless billing and documents |
| Affinity / Military | Special rates for USAA members and Armed Forces families |
The multi-policy discount is typically the most valuable. Bundling home and auto insurance can save 10% to 20% on your premium. The claim-free discount rewards responsible homeowners. The masonry discount is unique to Foremost and benefits brick home owners specifically. Saving on insurance premiums frees up money for other financial goals. You can find bank sign-up bonuses at Bonus Bank Daily to put those savings to work.
Foremost Insurance Home Insurance Cost
Cost is a critical factor in any foremost home insurance review. For standard homeowners insurance, Foremost charges approximately $3,350 to $3,700 per year for $300,000 in dwelling coverage. The national average for similar coverage is about $2,300 to $2,400 per year. As a result, Foremost runs 38% to 63% higher than average for standard homes. This premium difference reflects the company’s focus on harder-to-insure properties.
Manufactured and mobile home insurance is a different story. Foremost typically charges between $300 and $1,000 per year for mobile home coverage. This range depends on the home’s age, location, and coverage limits. For mobile home owners, Foremost is often competitively priced. Many standard carriers refuse to insure manufactured homes at all. In most cases, the few companies that do offer mobile home coverage charge comparable rates.
Several factors affect your Foremost premium. Your home’s age, construction type, and location matter most. Claims history, credit score, and chosen deductible also play a role. Typically, raising your deductible from $500 to $1,000 can lower your premium by 10% to 15%. Getting quotes from multiple insurers is always recommended before committing.
Foremost Insurance Claims Process and Customer Service
Filing a claim is straightforward according to this foremost home insurance review. Foremost offers multiple ways to report a claim. You can call the 24/7 claims line at 1-800-527-3907. You can also file online at foremost.com or email [email protected]. The Foremost mobile app lets you report claims and track their progress from your phone.
The claims process follows five steps. First, you file your claim by phone, online, or through the app. Second, Foremost assigns a claims professional to your case. Third, the adjuster contacts you to discuss coverage details. Fourth, they review your policy and the damage. Fifth, an in-person inspection is scheduled if needed. However, some customers report delays in communication during this process.
Customer satisfaction is a weak point in this foremost home insurance review. J.D. Power ranked Foremost near the bottom in its 2025 U.S. Home Insurance Study. The Zebra gives Foremost a 2.7 out of 5 rating. Common complaints include premium increases, poor communication, and claims handling delays. However, some policyholders praise the professionalism of individual adjusters. Customer service hours are standard business hours for general inquiries.
Pros and Cons of Foremost Insurance Home Insurance
Pros:
- Industry leader in manufactured and mobile home insurance with over 70 years of specialization
- AM Best A (Excellent) financial strength rating backed by Zurich Insurance Group
- Covers hard-to-insure properties including vacant, seasonal, and older homes
- Wide range of specialty coverage options not available from most competitors
- Available in all 50 states with AARP and USAA partnerships
Cons:
- Standard homeowners premiums run 38% to 63% above the national average
- Below-average J.D. Power customer satisfaction scores
- NAIC complaint index of 1.33 is higher than the industry baseline
- Not all products and discounts are available in every state
Who Is Foremost Insurance Home Insurance Best For?
This foremost home insurance review makes the answer clear. Foremost is best for manufactured and mobile home owners. No other insurer has more experience in this niche. If you own a mobile home, modular home, or park model, Foremost should be on your quote list. The company’s deep expertise means better coverage terms for these property types.
Foremost is also an excellent choice for owners of hard-to-insure properties. Vacant homes, seasonal vacation properties, and older dwellings often get declined by standard carriers. Foremost fills this gap effectively. Military families benefit from the USAA partnership and affinity discounts. AARP members also get access to special manufactured home rates.
However, this foremost home insurance review suggests looking elsewhere for standard homes. If you own a traditional site-built home, Foremost’s premiums are significantly above average. Typically, companies like State Farm, USAA, or Erie offer better rates for conventional properties. Foremost earns its value in the specialty markets where other insurers simply will not compete.
Frequently Asked Questions
Does Foremost Insurance cover older manufactured homes?
Yes, Foremost covers both new and older manufactured homes. In most cases, they will insure mobile homes that other companies decline. However, coverage options and pricing depend on the home’s age, condition, and location.
Is Foremost Insurance financially stable enough to pay claims?
Foremost holds an AM Best A (Excellent) financial strength rating. This foremost home insurance review confirms strong claims-paying ability. As a result, policyholders can feel confident about the company’s financial backing from Zurich Insurance Group.
Why are Foremost Insurance premiums higher than average for standard homes?
Foremost specializes in hard-to-insure properties like manufactured homes and vacant dwellings. Typically, this specialty focus means higher premiums for standard homeowners policies. For example, their rates run 38% to 63% above the national average for site-built homes.
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Official Sources & Resources
For verified information on home insurance ratings and regulations:
- AM Best (Financial Strength Ratings): ambest.com
- NAIC (Complaint Ratios): naic.org
- Insurance Information Institute: iii.org
- FEMA (Flood Insurance): fema.gov
- J.D. Power (Customer Satisfaction): jdpower.com
Content last reviewed April 2026. If you notice any outdated information, please contact us.