foremost rv insurance reviews

Foremost RV Insurance Review | Expert Opinion

Updated October 2, 2022

- By Tim Harris

Since 1952 Foremost RV insurance has offered plenty of insurance coverages to its customers. Huge Foremost RV insurance reviews are evident that this company is famous for its auto, home and RV insurance offerings. In addition, the auto and home insurance facility of this company also has enormous popularity.

For high-risk RV drivers, this foremost insurance is a solid option. Compared to the available companies in the market or the competitors, this company offers the RVers more coverage options and perks. Bristol West is another reputable and popular provider and partners with Foremost. This insurance company could be the best option for high-risk drivers who are struggling to find the best insurance coverage for their RV from somewhere else.

Look at the table below to know for whom this foremost insurance is good or bad:

Good For Bad For
Policyholders with poor credit or past frequent claim history Who are qualified for preferred or standard coverage options
Insurance’s non-standard applicants Who seek for strong mobile apps and standard online features
Homeowners and drivers who needs the basic coverage Homeowners with tight budget

 

Foremost RV Insurance Company’s Core Feature

The very first company in the US that offers the RV insurance policy for the RVers is Foremost Insurance Company. The company successfully provides service to its customers with 70 years of experience. The key features of this company are the following:

Founded In 1952
Owned By Zurich
RVs Covered Plenty of RV types including Class A, B, C, Campervans, Airstreams, Etc.
BB Verification Not yet
International Coverage NO, the policy cover only in US and Canada

 

Foremost RV Insurance Reviews

Home insurance is the specialized area of Foremost insurance company. This company provides home insurance support to those whose properties are difficult to ensure. Actually, this insurance is the ideal option for the old home or property in a natural disaster-prone area.

foremost rv insurance reviews

 

However, it is not only famous for its home insurance, but also it offers excellent RV coverages and benefits. You will enjoy thorough customization and coverage options here. Let’s have a look at the foremost insurance reviews:

Area Ratings
Coverage & Benefits 3.5
Customer Support 3.0
Cost 3.0
Financial Strength Excellent
Customer Service Not Rated
Claims Satisfaction Good

 

Coverage & Benefits

Foremost Insurance offers liability and property coverage in general and provides RV-specific coverage options also. However, the basic and RV specific coverage of this company are the following:

Basic Coverage:

  • Property Damage Liability
  • Comprehensive Coverage
  • Bodily Injury Liability
  • Personal Injury
  • Collision
  • Underinsured/uninsured Motorist
  • Medical Payments

RV Specific Coverage:

  • Personal and Belongings Effects
  • Total Loss Replacement
  • Full Timer
  • Emergency Expense Allowance

Types of RVs Covered

The following types of RVs owners are eligible to get the Foremost customer service. Those RVs types are:

  • A-Class Motorhome
  • B-Class  Motorhome
  • Class C Motorhome
  • Pop-up Tent Trailer
  • Conventional Trailer
  • Horse and Toy Hauler Trailer
  • Fifth-Wheel Trailer
  • Mounted Truck Camper
  • Single Horse and Utility/Cargo Trailer

 

Cost & Discounts of Foremost RV Insurance

Though the company offers plenty of discount opportunities on their insurance products for RV owners, the discount rate varies significantly depending on the state. The company’s website doesn’t have any precise information regarding its cost and discounts.

But according to the foremost insurance policy information, RVers can get a significant discount on their RV insurance premium. The deductible and premium of this company greatly vary depending on the vehicle’s type and driver.

 

Foremost Customer Service

The Foremost Insurance Company is a traditional company founded in 1952. Thus already, it has crossed a long path. Moreover, this company has plenty of experience and customer reviews. Most of the reviews talk about their customer service.

The customer can’t expect 24/7 customer service or assistance from this company as it doesn’t offer so. Though most of the competitors and current insurers offer this 24/7 customer service, Foremost is slightly different in its way.

Again, the company’s central focusing area is not its website, just like the other companies. Instead, they rely and focus on the brokers and agents’ vast network to help the customers and sell their premiums. However, some customers used to deal with and buy the insurance products from the company in this way. And for them, this networking is a great option. But it also creates plenty of issues in providing the best customer service. And the broker and agent networking also hamper the company’s reputation.

The BBB has given an F rating to Foremost for its failure to resolve the complaints as soon as possible or respond to the customers immediately. Moreover, on Trust Pilot, there is no presence of this company. Again the customers will not get any electronic claims tracking facility. As a solid agent network is the company’s dealing way, it may not be a good choice for those who are used to online management services.

 

Foremost RV Insurance’s Pros and Cons

One of the widely trusted and mostly used RV insurance companies is Foremost Company. However, as it has been operating and providing their RV insurance services for a long time, they have some particular pros and cons. Therefore, if you pick this company for insuring your RV, you should know these details.

Pros
  • Since the 1952s, this company has offered services to the RVs owners with its unique insurance products. Foremost first offers a specific RV-tailored insurance policy to the RVers. In addition, this company is highly experienced in dealing with RV coverages and benefits.
  • The RV insurance policy of the Foremost Company covers almost all RV trailers and vehicles. We already mentioned earlier which type of RVs it covers. And it covers the vast majority of the RV vehicle.

  • The Farmers are the owner of Foremost Company, and it is one of the largest and financially strong companies in the US. The robust financing backing of this company gives you the confidence that it is not going to face any bankruptcy issues.

  • Foremost offers RV insurance services for those whose insurance claiming record is extensive and who have a poor credit history. Moreover, this feature does not apply only to the RVers, but the home and care insurance owners with poor credit will enjoy this benefit.

Cons
  • The traditional business method of Foremost for facilitating customer service still depends on the agents’ or broker’s networks. Moreover, it doesn’t offer 24/7 customer support. Thus this is one of the disadvantages of this company.
  • For some customers choosing Foremost could be quite a doubtful job as it is not registered with BBB. One of the main reasons behind it, the company’s online presence is limited. And the multiple complaints record and a poor score of customer feedback is a bad sign for the company’s success.

  • This company’s RV insurance policies are eligible only in the US and Canada. But if you want to drive in Mexico, you have to choose another option as this company doesn’t offer coverage in this area.

 

Conclusion

According to the Foremost RV insurance reviews, it is a solid and perfect option for those who want to shop insurance from a company with solid ground. As Foremost RV insurance company is one of the oldest companies, it has solid ground and less chance of bankruptcy. This company offers plenty of insurance products, including substantial coverage options and benefits. Moreover, it covers various types of RV also.

Its downside is the bad online record regarding customer service as it is lower than average. And most of the customers claim that this company takes more time to deal with customer claims, reports, and issues. Still, it is one of the best companies in the country.

Take your time, do a little research and then shop for the best insurance coverage for your RV from the best company. Consider your priorities and analyze which company will be able to fulfill that priority. Then pick insurance from them. But if you pay importance to reliability and experience, then this Foremost insurance company could be a good choice for you.

Tim Harris

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