Foremost Insurance: Overview

Foremost is a subsidiary of Farmers Insurance with over 38,000 agents

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About Foremost

In 1952, Edward J Frey and Edward L. Stoddard founded Foremost Insurance Company. Their focus was originally on people who lived in mobile homes. They created the first mobile home insurance policy in history. The company also developed safety standards for mobile homes. Today the company offers a wide range of insurance, including auto insurance, rv insurance business insurance and home insurance. Foremost Insurance Group is a member of the Farmers Insurance Group of Companies and has more than 38,000 agents across the country, operating in all 50 states. Foremost Insurance rebranded its auto insurance line as Bristol West in 2018 to improve its customer service and claims handling processes. Foremost insurance has a great reputation as a reliable insurer of nonstandard high-risk auto policies and older homes.

Foremost Facts & Ratings

Year Founded 1952
Financial Strength Excellent
BBB Rating A+
NAIC Complaint Index 0.65
S&P Rating A

Foremost Mobile App Rating

iOS 4.3 stars (out of 5) 49 user reviews
Android 3.7 stars (out of 5) 114 user reviews

The Foremost Insurance Group mobile app, available for iOS and android, is not intended for billing or insurance information. This is an app for Foremost Insurance Group corporate and agent events. It’s only for internal use by Foremost employees. For account information, you can use the Foremost website.

Pros & Cons of Foremost

  • For over 50 years, Foremost has been the top insurance company writing mobile home insurance.
  • Offers superior customer care and claims handling.
  • The mobile app confuses users because it’s really an app for internal employees of Foremost Insurance Group. Policyholders cannot obtain any insurance services through the app.
  • Homeowners insurance is not the best fit for standard homes which require more coverage.

Common Questions about Foremost

Is Foremost a good insurance company?

A subsidiary of Farmers Insurance Group, Foremost is a financially strong insurance company with over 50 years of experience writing insurance policies.

Does Foremost insurance cover water damage?

Homeowners insurance covers water damage that results from certain covered perils. However, if there are damages from flooding, only flood insurance would cover those losses.

Is Foremost the same as Bristol West?

Foremost Insurance rebranded its auto insurance line as Bristol West Auto with a focus on improving the customer service and claims handling operations of the company.

Does Foremost home insurance have good reviews?

On the consumer affairs page, Foremost homeowners insurance got 2 out of 5 stars in reviews.

Is Foremost insurance a mutual company?

Foremost insurance is not a mutual company. It is a subsidiary of the Farmers Insurance Group of Companies.

Does the Foremost insurance cover mobile homes?

Since its start, Foremost has focused on mobile home insurance and was the first company to write policies for mobile homes.

How much is the cancellation fee with Foremost insurance?

There is no cancellation fee. When Foremost receives a request to cancel a policy, they will discontinue future automatic payments after processing the request to cancel the policy; however, it is possible that an automatic bank payment withdrawal or payment card charge may be processed about the same time as the policy cancellation.

What is covered under rideshare by Foremost insurance?

There is a coverage gap between your personal car insurance and your business insurance coverage that you have from the rideshare company. Rideshare insurance by Foremost insurance covers this gap.

Who is Foremost insurance affiliated with?

Foremost is Bristol West Auto and it is owned by Farmers Insurance.

Does Foremost insurance offer renters insurance?

Yes, Foremost insurance offers renters insurance.

What are AARP Programs by Foremost insurance group?

Specialized insurance programs for AARP members including AARP mobile home insurance program and AARP motorcycle insurance program. These plans provide extensive coverage for your home, personal belongings, other structures and/or your motorcycle.

Does Foremost insurance have rental coverage?

Foremost’s rental insurance coverage only applies if your car is in the shop for repairs after a covered loss.

Is Foremost insurance standard or nonstandard?

Foremost insurance is nonstandard, meaning that they often cover people who have a hard time getting a standard policy written on their homes or automobiles.

What is loan/lease coverage by Foremost auto insurance?

Loan/lease coverage, or gap insurance, is intended to pay the remainder of what’s not covered by your collision coverage.

How does credit-based insurance scoring work with Foremost?

Some states, like California, do not use credit-based insurance scoring. In states that do credit-based insurance scoring, a driver’s credit is used to determine risk. A credit score predicts how likely someone is to repay a loan or other credit. It is not the only factor used to determine a rate, however.

Foremost Insurance Products

Home Insurance Mobile Home Insurance
Vacant Home Insurance Seasonal Home Insurance
Landlord Insurance Flood Insurance
Auto Insurance Rideshare Insurance
Motorcyle Insurance Collectible Auto Insurance
RV Insurance Motor Home Insurance
Travel Trailer Insurance Fifth-Wheel Insurance
Luxury Motor Coach Insurance Off-road Vehicle Insurance
Snowmobile Insurance Golf Cart Insurance
Boat Insurance Personal Watercraft Insurance

Foremost Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Uninsured/Underinsured Motorist (UM/UIM).

This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.

Comprehensive Coverage.

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage.

This coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Car Rental Reimbursement.

If you rent a car while yours is in the shop, you are eligible for $50 a day up to 30 days, if the damage to the car was a covered loss.

Medical Payments (Med Pay).

This coverage pays for hospital bills and medical expenses for you and you passengers, regardless of who’s at fault. This coverage is required in some states.

Towing and Roadside Service.

If your car needs service on the road, this protection covers the cost up to limits.

Loan/Lease Coverage.

This coverage is sometimes called gap insurance. It covers you if your car is declared a total loss and you owe more on the car than its covered depreciated value.

Rideshare Coverage.

If you drive for a rideshare company like Uber or Lyft, this coverage protects you during that period of time when you’re covered neither by your personal auto insurance nor your rideshare company’s insurance.


One Household, One Policy for All Vehicles Mature Driver Discount
Multi-policy Discount Pay-in-Full Discount

Foremost Auto Auto Insurance Rates by State


Foremost Auto Auto Insurance Rates by Vehicle

Number of Vehicles Avg Monthly Rate

Foremost Auto Auto Insurance Rates by Homeownership

Own/Rent Avg Monthly Rate

Foremost Contact Info

Address 5600 Beech Tree Lane, Caledonia, MI 49316
Phone 1-800-532-4221


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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