Foremost Insurance: Unveiling The Auto Policy Spectrum

Foremost Insurance is a reputable insurance provider that has been in the industry since 1952. The company offers a range of insurance products, including auto, home, and RV insurance. Foremost is known for its RV and mobile home insurance offerings and is a subsidiary of the Farmers Insurance Group. While Foremost does not provide insurance directly, their policies are available through local independent agents. Their auto insurance policies cater to a wide range of customers, including high-risk drivers, and offer various coverage options and add-ons. Foremost's rates tend to be higher than the national average, but they provide a wide range of coverage options and discounts for bundling policies.

Foremost's high-end policies for high-risk drivers

Foremost Insurance offers high-end policies for high-risk drivers through its partner company, Bristol West. Bristol West is a specialist in high-risk car insurance, providing coverage for drivers who may struggle to find insurance with standard carriers.

Foremost's auto insurance policies are available through several partner companies, including Bristol West, Coast National, Economy Preferred, and Security National. The company's rates tend to be higher than the national average, with its average full coverage rates around 31% higher. This is due in part to the company catering to high-risk drivers through its Bristol West policies.

Bristol West can also file an SR-22 or FR-44 for drivers who require it. The company offers a range of coverage options, including rental reimbursement, roadside assistance, rideshare coverage, and gap insurance.

Foremost's insurance for RVs and mobile homes

Foremost Insurance has been an industry leader since 1952, when it became the first company to create an insurance policy specifically for mobile homes. It now offers insurance for RVs, motor homes, and mobile homes, as well as other vehicles including cars, boats, motorcycles, and ATVs.

RV and Motor Home Insurance

Foremost offers RV and motor home insurance for most units, from Class A, B, and C motor homes to luxury motor coaches, travel trailers, campers, and more. Their RV insurance includes:

• Towing and roadside assistance, including towing, jump starts, roadside service, flat tire charges, fuel delivery, and locksmith services.
• Optional total loss settlement, which can save you money compared to typical auto policies that only pay the actual cash value for damages.
• Vacation liability coverage, which provides liability coverage when you are parked and using your RV as a dwelling or for recreational purposes.
• Personal property replacement cost coverage, which is not usually provided by a typical auto or homeowners policy.
• Emergency expenses coverage, which pays for lodging or travel home if your RV is damaged or destroyed by a covered loss more than 50 miles from home.
• Other than collision coverage, which includes damage caused by fire, explosion, flood, falling objects, hail, windstorm, collisions with birds or animals, vandalism, theft, and earthquakes.

Mobile Home Insurance

Foremost accepts new and old mobile homes, manufactured homes, park models, modular homes, rental mobile homes, and vacant mobile homes. Their mobile home insurance includes:

• Comprehensive coverage for most direct, abrupt, and accidental physical losses to your mobile home unless they are specifically excluded in your policy.
• Agreed loss settlement, which means you receive the full amount of insurance for your home (minus any applicable deductible) if it is destroyed by an insured loss.
• Optional replacement cost coverage, which allows you to purchase coverage for your mobile home and get a settlement that reflects the cost to replace damaged items with new property.
• Additional living expenses, including trees, shrubs, plants, and lawns.
• Emergency removal service and emergency repair after a loss.
• ID fraud and check forgery coverage.
• Fire department service coverage.
• Food spoilage coverage.

Discounts

Foremost offers flexible payment plans, and higher deductibles can help lower the cost of your premium. You can also save money by insuring another product like a boat or ATV, and homes located in an approved park qualify for a discount. Foremost also offers discounts if the named insured is 50 years old or older, and newer mobile homes qualify for a higher discount.

Foremost's bundling options

Foremost Insurance offers a range of bundling options for customers. As a member of the Farmers Insurance Group, Foremost allows customers to bundle their auto insurance with life insurance from Farmers Insurance, its parent company. This can result in significant savings.

Foremost also offers multipolicy and bundling discounts for customers who purchase multiple policies from them. This includes home insurance, renters insurance, or condominium insurance. One of the benefits of getting multiple policies with Foremost is that customers will receive combined bills and deductibles, making financial planning and payments more convenient.

Foremost also offers bundling options for customers with multiple vehicles. Insuring all vehicles with Foremost can result in additional discounts.

In addition, Foremost has a national distribution network of more than 38,000 independent insurance agents, making it convenient for customers to find an agent in their area to discuss their insurance needs.

Foremost's insurance for classic cars

Foremost Insurance has been an industry leader since 1952, offering an array of insurance coverage options. The company is known for its RV and mobile home insurance offerings but also provides auto insurance that caters to a wide array of people.

Foremost's auto insurance is provided in partnership with Bristol West and is available in all 50 states and Washington, D.C. The company offers standard coverage options, including liability coverage, comprehensive and collision coverage, and uninsured/underinsured coverage.

Foremost also provides additional coverage options tailored to classic car owners, such as:

• Agreed value coverage: In the event of a total loss, Foremost will provide a settlement at a previously agreed-upon amount, representing the vehicle's current market value.
• Towing and roadside assistance: Foremost covers the cost of towing and roadside assistance for each disablement on a covered vehicle, subject to a maximum limit per policy.
• No attendance requirement at shows: Foremost does not require the policyholder to be present at classic car shows, providing coverage for the vehicle even when the owner is not in attendance.
• Overseas travel: Special arrangements can be made to provide coverage for the vehicle on overseas tours.
• Unique parts replacement: Foremost's policy may cover the cost of replacing rare and unique parts on classic cars.

Foremost's classic car insurance is designed for vehicles that are not used as daily drivers but are instead driven occasionally for leisure, hobby, or pleasure use. The company provides coverage for a range of classic vehicles, including antiques, classics, muscle cars, sports cars, and modified vehicles.

Overall, Foremost Insurance offers a comprehensive range of coverage options for classic car owners, providing peace of mind and tailored protection for their cherished vehicles.

Foremost's customer satisfaction

Foremost Insurance has received mixed reviews from customers, with some praising the company for its reasonable rates, streamlined processes, and responsive customer service, while others have expressed dissatisfaction with its claims handling process.

On the one hand, Foremost has been recognised for its competitive pricing, particularly for older vehicle models, and its inclusive coverage for specialty vehicles such as RVs, motorcycles, and boats. Customers have also commended the company for its user-friendly quote and claims process, as well as its responsive call centre staff.

On the other hand, Foremost has faced significant criticism for its claims approval and payout procedures. Some customers have reported excessively slow claims processing, with durations extending beyond a year. There have also been complaints about frequent claim denials, often due to minor technicalities, inadequate communication, and a perceived failure to honour promised policy terms. These issues have contributed to a decline in customer satisfaction over the past five years, with an increase in negative reviews, particularly regarding claims handling.

In terms of third-party ratings, Foremost has received an Excellent AM Best Financial Strength Rating, indicating its reliability in paying out claims. However, it has a higher-than-average number of customer complaints on the National Association of Insurance Commissioners (NAIC) Complaint Index, with a score of 1.47, indicating 1.47 times as many complaints as the average. Foremost is not ranked with J.D. Power for customer satisfaction, but its parent company, Farmers, scored around the study average.

Frequently asked questions