Foremost insurance agent
When securing the right insurance coverage, having a trusted partner can make all the difference. Foremost Insurance, a leader in specialized insurance products, has been providing tailored solutions to meet unique needs since 1952. Foremost offers comprehensive coverage options designed to protect what matters most, whether you’re looking to insure your mobile home, RV, motorcycle, or other niche assets.
At Blake Insurance Group, we take pride in being an independent agency that partners with Foremost to bring you the best in personalized insurance services. Serving clients across Arizona, Alabama, Florida, Georgia, New Mexico, New York, North Carolina, Oklahoma, Ohio, Texas, and Virginia, our experienced agents are dedicated to understanding your specific needs and finding the right coverage at competitive rates. With our local expertise and commitment to exceptional customer service, Blake Insurance Group is here to help you navigate the complexities of insurance, ensuring you have the protection you need for peace of mind.
Foremost's Specialty Insurance Offerings
Foremost Insurance Company has carved out a unique niche in the insurance market by focusing on “non-standard” risks that many other carriers are reluctant to cover. This specialization allows independent agents to offer a diverse range of products that can meet the varied needs of their clients. Here are some of the key specialty insurance offerings from Foremost:
Mobile Home Insurance
Foremost has a long history of providing insurance for mobile homes, dating back to its founding. They offer comprehensive coverage options tailored specifically for mobile homeowners, including protection against perils like fire, windstorms, and theft. This makes Foremost a go-to choice for clients who live in mobile or manufactured homes, which other insurers often underserve.
Motorcycle Insurance
Foremost offers specialized motorcycle insurance that covers a wide range of bikes, from cruisers to sport bikes. Their policies can include coverage for accessories, custom parts, safety apparel, and options for roadside assistance and trip interruption. This makes Foremost an attractive option for motorcycle enthusiasts looking for comprehensive protection.
Off-Road Vehicle Insurance
For clients who own off-road vehicles such as ATVs, dirt bikes, and snowmobiles, Foremost provides tailored insurance solutions. These policies cover a variety of risks associated with off-road activities, including collision, liability, and medical payments. This niche product is ideal for clients who enjoy outdoor adventures and need specialized coverage.
Recreational Vehicle (RV) Insurance
Foremost’s RV insurance is designed to cover motorhomes, travel trailers, and fifth wheels. Their policies offer extensive coverage options, including total loss replacement, emergency expenses, and personal belongings. This makes Foremost a preferred choice for RV owners who need robust protection while on the road.
Boat Insurance
Foremost also offers insurance for boats and personal watercraft. Their policies can include coverage for physical damage, liability, medical payments, towing, and assistance. This product is perfect for clients who spend a lot of time on the water and need comprehensive coverage for their vessels.
Landlord and Rental Property Insurance
For clients who own rental properties, Foremost provides landlord insurance that covers a variety of rental dwellings, from single-family homes to multi-unit buildings. Their policies can include coverage for property damage, liability, and loss of rental income, making it a versatile option for property owners.
Antique and Classic Car Insurance
Foremost offers specialized insurance for antique and classic cars through their partnership with J.C. Taylor. These policies are designed to cover the unique needs of classic car owners, including agreed value coverage, which ensures that the car is insured for its full appraised value without depreciation.
AARP-Endorsed Programs
Foremost has developed special insurance programs for AARP members, particularly those with mobile homes and motorcycles. These programs offer tailored coverage options and discounts, making them an excellent choice for older clients who are members of AARP.
Umbrella Insurance
To provide an extra layer of protection, Foremost offers umbrella insurance policies. These policies offer additional liability coverage above and beyond the limits of standard home, auto, and recreational vehicle policies, ensuring that clients are protected against large claims or lawsuits.
By offering these specialized insurance products, Foremost enables independent agents to cater to a wide range of client needs, from everyday homeowners to niche markets like off-road enthusiasts and classic car collectors. This versatility helps agents build a more comprehensive portfolio and ensures that clients receive tailored coverage that meets their unique requirements.
Comparing Foremost to Other Carriers
As an independent insurance agent, providing clients with a balanced view of different insurance carriers is crucial. When comparing Foremost to other insurers, several factors include pricing, coverage options, claims handling, and customer satisfaction. Here’s how Foremost stacks up against its competitors:
Pricing
Foremost is known for its higher-than-average premiums, particularly for auto and home insurance. For instance, the average annual cost for Foremost’s full coverage auto insurance is $2,953, compared to the national average of $2,311. Similarly, Foremost’s home insurance costs are significantly higher, with an average annual premium of $3,857 for $300,000 in dwelling coverage, compared to the national average of $2,230. These higher rates are partly due to Foremost’s focus on high-risk drivers and properties that other insurers might avoid.
Coverage Options
Foremost offers a wide range of specialty insurance products that cater to unique needs, such as mobile homes, motorcycles, off-road vehicles, and RVs. This makes Foremost a strong contender for clients with non-standard insurance needs. Additionally, Foremost provides standard auto and home insurance coverages, including bodily injury liability, property damage liability, and comprehensive and collision coverage. They also offer unique add-ons like new vehicle replacement and diminishing deductibles, which can appeal to certain clients.
Claims Handling
Foremost’s claims handling has received mixed reviews. While the company has an Excellent AM Best Financial Strength Rating, indicating reliability in paying out claims, it also has a higher-than-average number of customer complaints. The NAIC Customer Complaint Index for Foremost is 1.47, meaning it receives 1.47 times more complaints than the average insurer. This suggests that while Foremost is financially stable, its customer service and claims processing may not always meet client expectations.
Customer Satisfaction
Customer satisfaction with Foremost is varied. Some clients appreciate the specialized coverage options and the company’s financial stability, while others have reported issues with customer service and claims handling. Foremost’s overall rating is 3.9 out of 5.0, with particular strengths in coverage and availability but lower scores in cost and service. Reviews on platforms like WalletHub and Yelp also highlight a mix of positive and negative experiences, with some customers praising the company for its niche products and others criticizing it for high premiums and poor service.
Comparison with Other Carriers
Compared to other major carriers like GEICO and State Farm, Foremost tends to have higher premiums but offers more specialized coverage options. For example, GEICO is often praised for its affordability and customer service, while State Farm is known for its comprehensive coverage and strong customer satisfaction ratings. However, neither GEICO nor State Farm offers the same breadth of specialty insurance products as Foremost, making Foremost a better choice for clients with unique insurance needs.
Comparison Table: Foremost vs. Other Carriers for Mobile Home Insurance
| Feature/Aspect | Foremost Insurance | GEICO | State Farm | The Hartford |
|---|---|---|---|---|
| Average Annual Premium | $1,179 - $3,400 | $300 - $1,000 | $750 - $1,600 | $1,000 - $5,000 |
| Specialty Coverage | Mobile homes, motorcycles, off-road vehicles, RVs, vacant homes | Standard auto, home, renters, and more | Standard auto, home, renters, and more | AARP members, auto, home, renters |
| Customer Complaint Index | 1.47 (higher than average) | 0.68 (lower than average) | 0.57 (lower than average) | 0.82 (lower than average) |
| Financial Strength Rating | A (Excellent) | A++ (Superior) | A++ (Superior) | A+ (Superior) |
| Claims Handling | Mixed reviews, higher complaints | Generally positive, lower complaints | Generally positive, lower complaints | Generally positive, lower complaints |
| Mobile App | Available but glitchy | Highly rated, user-friendly | Highly rated, user-friendly | Highly rated, user-friendly |
| Online Quoting | Not available for auto, available for home | Available | Available | Available |
| Discounts | Multi-policy, high-risk driver options | Multi-policy, safe driver, military | Multi-policy, safe driver, good student | Multi-policy, AARP member discounts |
| Target Market | High-risk drivers, specialty insurance | General market, cost-conscious drivers | General market, cost-conscious drivers | AARP members, older drivers |
Why You Should Choose Your Local Foremost Independent Agent
Choosing the right insurance agent can significantly affect the quality of coverage and service you receive. Here are several compelling reasons why opting for a local Foremost independent agent is an intelligent decision:
Locally Focused Expertise
Local independent agents deeply understand your area’s specific needs and risks. Whether it’s higher flood coverage for coastal properties in Florida or specialized insurance for mobile homes in Arizona, a local agent knows the nuances of your community. This localized knowledge ensures you get the most relevant and adequate coverage for your unique situation.
More Coverage Options
Unlike captive agents who can only offer products from a single insurance company, independent agents represent multiple insurers, including Foremost. This means they can provide various coverage options tailored to your needs. Whether you need insurance for your home, car, RV, boat, or business, a local Foremost independent agent can shop around to find the best policies at competitive prices.
Personalized Service and Advocacy
Your local Foremost independent agent is not just a salesperson; they are your advocate. They work for you, not the insurance companies. This means they are dedicated to finding the best coverage for your needs and budget. If you ever have a claim or billing issue, your agent will communicate with the insurance company on your behalf, ensuring that your interests are always represented.
Expert Advice
Insurance can be complex, and understanding the intricacies of different policies is crucial. Local independent agents are licensed experts who can explain the details, helping you make informed decisions. They assess your insurance needs comprehensively and match you with the best carrier and coverage options available, ensuring you are neither over-insured nor under-insured.
Community Involvement
Local independent agents are often deeply involved in their communities. They support local businesses, sponsor community events, and participate in local charities. This community involvement means they have a vested interest in the well-being of their neighbors and clients. You also support your local economy and community initiatives by choosing a local agent.
One-Stop Shopping
A local Foremost independent agent can meet all your insurance needs under one roof. They offer a variety of products, including auto, home, renter’s, and business insurance, and often provide life and health insurance. This one-stop shopping experience saves you time and effort, as you can manage all your policies through a single point of contact.
Long-Term Relationship
Independent agents are there for you through all stages of life. Whether you are buying your first home, starting a business, or planning for retirement, your local agent will periodically review your coverage to ensure it evolves with your changing needs. This long-term relationship provides continuity and peace of mind, knowing that your insurance needs are always in capable hands.
Frequently Asked Questions (FAQs) about Foremost Insurance
1. What types of insurance does Foremost offer?
Foremost specializes in providing insurance for non-standard risks, including:
- Mobile Home Insurance
- Motorcycle Insurance
- Off-Road Vehicle Insurance
- Recreational Vehicle (RV) Insurance
- Boat Insurance
- Landlord and Rental Property Insurance
- Antique and Classic Car Insurance
- Vacant Home Insurance
2. How do I get a quote from Foremost Insurance?
You can get a quote from Foremost Insurance by visiting their website and using their online quoting tool for certain products. Alternatively, you can contact a local Foremost independent agent who can provide personalized quotes and help you find the best coverage options.
3. What is the average cost of mobile home insurance with Foremost?
The average annual premium for mobile home insurance with Foremost is approximately $1,178. However, the actual cost can vary based on factors such as the location, age, and condition of the mobile home, as well as the coverage options selected.
4. How does Foremost handle claims?
Foremost has a dedicated claims department that handles claims processing. You can file a claim online, over the phone, or through your local independent agent. While Foremost has an Excellent AM Best Financial Strength Rating, indicating reliability in paying out claims, it has received mixed reviews regarding customer service and claims handling.
5. Are there any discounts available with Foremost Insurance?
Yes, Foremost offers several discounts to help lower your premiums, including:
- Multi-policy discounts for bundling multiple types of insurance
- Discounts for high-risk drivers who maintain a good driving record
- Discounts for safety features and security systems in your home or vehicle
6. Can I manage my Foremost Insurance policy online?
Yes, Foremost provides an online portal where you can manage your policy, make payments, and file claims. They also offer a mobile app, although some users have reported issues with its functionality.
7. What makes Foremost different from other insurance carriers?
Foremost stands out for its focus on insuring non-standard risks that many other carriers avoid. This includes specialized coverage for mobile homes, motorcycles, off-road vehicles, and more. Their expertise in these niche markets makes them a preferred choice for clients with unique insurance needs.
8. How do I find a local Foremost independent agent?
You can find a local Foremost independent agent by visiting the Foremost website and using their agent locator tool. This tool allows you to search for agents in your area who can provide personalized service and help you find the best coverage options.
9. Is Foremost financially stable?
Yes, Foremost has an Excellent AM Best Financial Strength Rating of A, indicating strong financial stability and reliability in paying out claims.
10. What should I do if I have a complaint about Foremost Insurance?
If you have a complaint about Foremost Insurance, you can contact their customer service department directly. Additionally, you can reach out to your local independent agent for assistance. If your issue is not resolved, you may also file a complaint with your state's insurance department.