Foremost is a company that represents many independent agents, by the direct sales representatives, and involved in the business of insurance since the year June 12,1952.It was in the year 1961 that the company introduced Travel Sure, an insurance policy that was designed mostly for the Travel Trailers. There are many campaigns that was taken up by the company. The first campaign that was taken up by the company was Fire Hurts, in the year 1974, and later the company also worked with the Department of Housing and Urban Development.
It was in the year 1989 that the company earned the endorsement of AARP, so that mobile home insurance is provided to the customers. There are many customers who have been recommending the services of the company in order to provide insurance to the members. It was in the year 1993, that there were different kids of insurance programs, that were offered to landlords and different kinds of specialty homeowners The company also organized Foremost’s Butterflies are Blooming, that was a temporary exhibit of butterflies in the United States. It was on March 7,2000, that the company was acquired by Farmers Insurance Group of Companies. It was during, March 2000, that the company offered motorcycle and many off road vehicles, that included a program ob snowmobiles. The first Family Boaters Insurance program was offered in the year 2003, and it was in the year 2004, that AARP was endorsed in order to provide motorcycle insurance to all the members. The company has today more than 2000 employees across the country that includes people from office, regional agencies as well as marketing claims.
History of Foremost Insurance
The company started the business of insurance in the year 1952, when the mobile home industry was just in the infant stage. Just after the world war, the mobile homes were becoming a popular concept, as these were an inexpensive solution to the housing problem. The company started with three people in a one-room office in Downtown. Within a year the staff were expanded to 11 people and was doing business in more than 35 of the nation. The company in the later years expanded the insurance programs for RVs in 1969, and continued to add more types of insurance to our different product lines. The first automobile policy was sold in the year 1978 which was followed by the insurance of site built homes in the year 1982.In 1983 there was development of specialty insurance programs for the landlords and the homeowners. In 1996 there was direct marketing of the home insurance programs, and in 1999 there was a unique service program for the owners of Luxury Motor Coaches. The year 2000 saw the offering of motorcycle and off road vehicle insurance programs for the snowmobiles. In the year 2004 AARP had endorsed the company in order to offer the motorcycle insurance to its members.
Foremost Insurance Companies
Foremost is an integral part of the Farmers Insurance Group, which does business in the United States. The following are the companies that can be associated with Foremost:
- Foremost Insurance Company Grand Rapids Michigan
- Foremost County Mutual Insurance Company (Texas)
- Foremost Lloyds of Texas.
- Foremost Property and Casualty Insurance Company
- Foremost Signature Insurance Company
Constant Rising Insurance Cost
We moved into a new mobile home six years ago. Since the first new policy in our mobile home the premium has risen 4 times. We have NEVER filed a claim, but our premium continues to explode in price.
Inconsiderate Claims Reps and Denial
My sewer pipe froze due to several subzero days with no snow yet to help insulate things. I did my best to solve the issue by myself, not wanting to give the insurance company an excuse to raise my rates. My deductible is $250, so I figured I could work on my own until I bypassed $250 in efforts. We were unsuccessful in thawing the pipes and called Foremost. They didn\'t send an independent adjuster or anything to assist us, but left it up to me to find estimates. It was Christmastime, and we couldn\'t find anyone to come out. By this time we were scooping out sewage from one of the toilets so we could use it when we couldn\'t drive to a gas station. They didn\'t tell us that our policy covered hotels, and the Foremost adjuster KNEW all this, but still didn\'t tell us about the hotel option or send an adjuster. And then he closed our case saying repairs and labor should cost $230 since we were able to use one toilet, below our $250 deductible, even though we still had no sewer. We finally had a handyman come out to thaw the pipes, but he found that the pipes had now burst and there was raw sewage under the home. I contacted Foremost and explained everything and STILL he did not send an adjuster or tell us about the hotel coverage we had, but insisted we had to find a plumber. I finally found a contractor to come do an estimate to do the work. They sent me an estimate, but Foremost wasn\'t happy with it and wanted an itemized breakdown of expenses and a statement of cause. When they didn\'t get it by week\'s end, they again closed my case. Even though the handyman and the contractor had both confirmed that my sewer system was cracked and needed replaced, they didn\'t send an independent contractor or tell me I was covered to stay in a hotel if my home was unlivable, only that during the couple days repairs were being made would they cover hotel. I sent them pictures of my gross toilets, over-flowing sink with disgusting dishes, the damage to the floors from overflowed toilets and dishwasher... However, the original claims adjuster was out of the office and someone else got the mail. She took prompt action and called me, set up an appointment with an independent insurance adjuster and informed me that my insurance coverage covered a hotel and a food allowance until my home was livable, but that I had to pay for it and be reimbursed. It took a week for them to get the Independent insurance adjuster\'s report and then DENIED ALL COVERAGE because my pipes has been seeping for weeks. Of course my pipes had been seeping for weeks. I had been asking for help for MONTHS!!
Threats and Poor Customer Service
This is the worst bait and switch company you could imagine. Prices are not even what they guarantee you. You can never pose a question to their unintelligent customer service reps with out them getting defensive and abusive. Their answer to everything is to send threatening letters.
Cancelled Policy After Claim
We had a storm blew a some part of shed into out home. We got a letter saying that they were cancelling policy.
This company has made numerous unauthorized transactions on my account and is still sending me bills claiming that I owe THEM money!
They won't Cancel My EFT and won't Refund
Last year, I cancelled my EFT (Electronic Funds Transfer). This year, I switched insurance companies. I cancelled my insurance with Foremost and they did not cancel my EFT! What a surprise it was when they took nearly a $1,000 out of my account and left me with over $350 in bounced check charges. They won't cancel my EFT, won't reimburse my bank charges, and won't give my money back. I tried to call and there is no way to contact an actual person through their phone system.
Bad Customer Service and Underhanded Cancellation Fee!
I had insurance with Foremost for longer than I can remember. My first problem was when my agent did not inform me that I was under-covered! He left me open to be a victim of a sue happy motorist. So I found an agent that cared enough to explain my needs and coverage. My second problem is that since I cancelled my policy 2 days earlier than the term they snuck in a cancellation fee of $25. No one explained this to me. Then they have the nerve to send me letters threatening to send me to a collection agency to get their money. I emailed twice with no response, called and felt like the rep was just reading off of a script. They refuse to waive the cancellation fee. They blame me for cancelling 2 days early. I kept asking her why her rep did not explain that to me in the first place. My new insurance would have started 2 days later, what do they think people are this ignorant? I refuse to pay this fee.
Expensive, Little Coverage
Coverage is extremely expensive. We have been with this company for over ten years. Foremost had me over a barrel because of our unique insurance needs and they continued to raise premiums each year. No claims were filed and we have assumed no additional risks. Last year, I explained to a rep that we either needed to lower the premiums or I would have to search elsewhere for coverage and the rep assured me that no other company would take us.
HIGH Mobile Home Insurance
I went with Foremost after buying a new mobile home due to Katrina destroying our former home. I was always told "Foremost is the best". Well, I thought everything was fine. Had "full replacement coverage". Each year, at renewal, my premium went up no more that $20/year. Then today I get my renewal. It went up $330/year. I've filed no claims since I've been with them. They claim it was due to a rate increase. Wow, $330 worth of rate increases.
I have filed 2 claims in the last 4 years since being a Foremost customer. The roof leaked from a hailstorm. They said it wasn't covered because there was no storm damage. Although my other house (which is only 1,500 ft away and was covered by Nationwide) was repaired - no questions. My last claim was last month was when my tenants destroyed my house. They ripped out carpet, ripped walls down, broke everything, clogged drains... The adjuster said nothing was covered, even though the agent who sold me a commercial policy to cover being a landlord said it would be.