Foremost Insurance

Foremost Signature/Star

Foremost is a Farmers subsidiary rated A Excellent by AM Best. They specialize in non-standard and specialty personal lines including manufactured homes, mobile homes, older homes, seasonal properties, and landlord policies. Foremost is our primary market for risks that standard carriers decline, including unusual construction types and high claim frequencies.

This is what the claims process actually looks like based on published data and complaint records.

Claims Experience

Standard claims service through Farmers Insurance Group infrastructure. Adequate for specialty risk claims; not the differentiator on this carrier.

Pricing Context

Pricing reflects specialty risk. Higher than standard markets for comparable exposure, but often the only admitted option for specialty property types.

How They Compare

Primary specialty competitors are Stillwater, American Modern, and surplus lines markets. Foremost typically wins on manufactured homes and seasonal property; Stillwater wins on landlord DP-3 for metro investment properties.