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Selecting the right insurance policy for your RV is very important as it gives you the peace of mind you need to enjoy your time on the open road. Today, we’ll be looking at and reviewing a popular choice; Foremost RV insurance.
We’re pretty familiar with the ins and outs of what a good RV insurance policy includes here at RV Pioneers, so read on to find out all you need to know about Foremost and whether they are the right insurance company for you.
In this feature, we’ll be looking at the details of what you can expect from them and their main policy features, their pros and cons, some frequently asked questions, and even some alternative insurers that we think you should be considering.
But first, let’s have a look at the key features you can expect from Foremost RV insurance.
Key Features of Foremost Insurance
|RVs covered||Class A, B, & C|
|Additional coverage||Conventional Trailer, Fifth Wheel Trailer, Pop-up Tent Trailer, Mounted Truck Camper, Toy Hauler & Horse Trailer, Cargo / Utility & Single Horse Trailer|
|International coverage?||No, limited to the US & Canada|
|BBB verified?||At the|
|Price||Check here for info on a full quote|
Core Features of Foremost RV Insurance
Foremost was the very first company to sell an insurance policy for an RV anywhere in the United States. This was back when the company was first founded in 1952, only with 70 years of experience, you’d expect them to know a thing or two about insuring RVs.
It’s also useful for prospective customers to know how the company is structured. Foremost is a subsidiary of industry giant Farmers Insurance , owned by one of the largest insurance groups in the world, Zurich. This suggests an excellent financial bedrock and paints a pretty good picture for the company when coupled with their years of experience.
Here, we’ll explore the core features of their RV insurance policy. It’s important to remember that the price of a policy will vary greatly depending on your own personal circumstances and insurance history, but having an idea of what is on offer will help make up your mind.
Coverage & Insurance Benefits
The most crucial aspect of any insurance policy is what is covered. Some companies will hide exclusions in the small print of contracts, so you must be crystal clear on what you are covered for and what you can expect to pay yourself. Below is a complete list of what Foremost offer in their basic insurance packages across all vehicles:
- Personal injury liability
- Property damage liability
- Collision coverage
- Comprehensive cover
- Bodily injury liability
- Medical expenses
There is also the option to add uninsured/underinsured motorist protection to guard against accidents in which a claim cannot be made against the offender.
While these areas of coverage are offered to all basic Foremost insurance policies, some areas are specific to RVs:
- Total loss replacement
- Full-timer cover
- Belongings & personal effects
- Emergency expense allowance
You may also be wondering if there are any limits on which RVs are covered. Well, its undoubtedly true that different vehicles qualify for varying levels of insurance based on size and payload, but here is the complete list of RVs and trailers that can be insured under Foremost:
- Class A
- Class B
- Class C
- Conventional Trailer
- Fifth Wheel Trailer
- Pop-up Tent Trailer
- Mounted Truck Camper
- Toy Hauler & Horse Trailer
- Cargo / Utility & Single Horse Trailer
Foremost has been around for many years now, and in some ways, they remain a traditional insurance company. They do not offer 24/7 assistance to their customers in the same way that most current insurers do.
Similarly, their website is not their primary area of focus as they chose to rely on a vast network of agents and brokers to sell their premiums and help customers.
While this system may appeal to those who are used to buying from and dealing with insurance companies in this way, it has lead to several issues regarding Foremost’s customer service reputation.
Their Better Business Bureau (BBB) rating was a lowly F until recently. While this has improved to a respectable but by no means perfect A-, their customer feedback score is 1.41 / 5. They also remain unaccredited with the BBB and have no presence on customer rating sites like TrustPilot.
Pros Foremost RV Insurance
Foremost are one of the most widely used and widely trusted RV insurance companies in the country. Here are the key pros that you need to consider if you’re thinking of buying a policy with them.
As we’ve already mentioned, Foremost was the first company to offer an insurance policy specifically tailored to RVs. That was way back in the 1950s, and they’ve been trading ever since.
This means they’re highly experienced and have dealt with nearly every kind of RV insurance claim you can think of. You can think of them as a safe pair of hands.
Strong Financial Backing
Foremost are owned by Farmers, one of the largest insurance companies in the US. Farmers are in turn owned by Zurich, one of the largest insurance companies in the world.
This kind of financial backing gives confidence that Foremost is not about to go bankrupt and void your insurance any time soon.
Good Range of Vehicle Covered
Foremost’s insurance policies cover the vast majority of RV vehicles and trailers. Classes A, B, & C are included, along with a list of trailers that can be found above.
This means you can tailor your policy based on the vehicles and accessories that you own or intend to drive, leaving you free to do so rather than worry about whether or not you’re covered.
Suitable for Those With Poor Credit or Claims History
Foremost has a reputation for offering those with a poor credit history, or extensive claims records an insurance policy. This is not limited to their RV departments either, Foremost also offers car and home insurance.
This is great if you happen to fall into one of these categories, as finding insurance can often be tricky. With Foremost, you have the option to get multiple policies in one place.
Cons of Formost RV Insurance
There are also some negatives associated with taking out an insurance policy with Foremost. Here are the key ones to consider.
Lack of Modernization
Foremost are a traditional business that still relies on a network of agents to facilitate customer service. While this may be a positive if you are used to dealing with your insurance company this way, it is a negative for the majority.
There is no 24/7 chat support so everything from getting a quote to filing a claim has to be done through one of their representatives. Great if you like the personal touch, not so good if you value a quick process.
Patchy Customer Service Record
The fact that Foremost is not registered with the BBB may be a red flag for some. This could be down to the company’s limited online presence, but it could also be down to their poor customer feedback score and multiple complaints.
The overall score is a lousy 1.42 / 5 with 613 complaints over the last 3 years. While it is not uncommon for insurance companies to receive more negative reviews than good ones, these figures are worrying.
If you value the ratings given by other customers, then other RV insurance companies score much higher.
Lack of International Coverage
Currently, Foremost only offers policies for RVs that cover the United States and Canada. If you’re looking to go a little further afield, down to Mexico, for example, you’ll need to look elsewhere.
Are There Any Alternatives?
In this section, we’ll take a closer look at some of the companies that rival Foremost in the RV insurance market.
Progressive RV Insurance
Progressive is ranked as one of the best RV insurance providers for 2021. This comes as no surprise as their modern take on RV insurance means getting a quote and taking out a policy is quick, easy, and can be done online.
They offer a multitude of coverage options in their basic package and allow RVers to pick and chose the additional extras needed. As well as these extras, they provide discounts based on your usage and vehicle history. For example, if you’re the original owner of your RV, you’ll qualify for a bargain, regardless of its age!
In terms of their customer service record, they have a similar rating to Foremost on the BBB. They are not accredited, have an overall rating of A- with a 1.1 / 5 customer review rating.
Overall, Progressive represents an excellent alternative to Foremost when it comes to RV insurance. If you like the ability to sign up and manage your account online, this could be a good option.
Make sure you read our full review of Progressive RV Insurance .
National General RV Insurance
National General is another insurance provider that has specialist policies for RVers. Much like Foremost, they offer coverage for personal belongings, full replacement cost, permanent attachments, complete general liability, and storage savings.
However, according to various reports and customer feedback scores, National General tends to offer slightly lower premiums (although this does depend on individual circumstances). There are a few ways that drivers can reduce the costs of insurance with National General, some of these include; multi-vehicle discounts paid in full discounts, storage savings, and safe driver reductions. Although many of these features are commonplace amongst insurers, we recommend checking National General out if you fall into any of these qualifying categories.
Another positive thing about NG is that they are BBB accredited. This accreditation shows confidence in its service to customers and is backed up by an A + rating. Whilst their customer feedback score is still only 2.4 / 5, this is significantly better than many.
Safeco RV Insurance
Our final alternative insurance provider for you to consider is Safeco. Safeco is a large insurance company that offers policies across a wide range of areas, but their RV coverage has proved to be particularly popular.
Their basic policy includes cover for both personal property and audio-visual / custom equipment. This is something that is often an oversight missed by policies, so good to see included here. In terms of the vehicle itself, you’ll be covered just as comprehensively as the others we have mentioned here, with the bonus of 24/7 support and roadside assistance .
Alongside these standard policy features, there are a host of optional add-ons. These include loan or lease protection, so if that applies to you, then adding this to your policy is a great option.
Their BBB rating is a promising A +, although they are not accredited. Despite this good overall rating, however, they only score 1.12 / 5 for customer satisfaction, with 358 complaints in the last 12 months.
Frequently Asked Questions About Foremost RV Insurance
Here, we’ll answer some of the most frequently asked questions about taking out RV insurance with Foremost.
Answer: Foremost are experienced insurance providers with solid financial backing. This means that while they may not always offer the best value, they certainly offer security. They are also a fantastic option for anyone with a poor credit history or a history of multiple insurance claims.
Answer: Unfortunately, we cannot answer that as an insurance premium is tailored to your specific requirements and RV history. The final cost will depend on factors like how long you have owned the vehicle, where you live, and whether you have any driving convictions.
For full details and an accurate quote, you’ll need to contact one of Foremost’s thousands of agents nationwide.
Answer: Foremost provide RV insurance across the whole of the USA. That’s all 50 states covered and free to travel in. However, do bear in mind that not all coverage types are sold everywhere – check with your Foremost agent for the specifics on what is available where you live.
Answer: To get a quote from Foremost, the best thing you can do is visit their website and contact them. You’ll then need to speak with an agent in your area who will be able to take the information necessary to give you an accurate quote.
Final Thoughts – Is Foremost RV Insurance a Good Option?
If you’re after a solid insurance policy that is backed by a company at absolutely no risk of not being able to pay out, then Foremost is a solid option for RVer across the country.
However, there are downsides that you may need to deal with. For example, their customer service record is below average at best, with several users reporting finding it difficult to have issues and claims dealt with quickly.
Many of the issues that customers face when dealing with insurance companies are not exclusive to Foremost, but it’s worth thinking about the problems that others have encountered.
We would recommend taking your time and shopping around when it comes to insuring your RV. Many companies out there have better customer service records and may even be able to beat them on price.
It all comes down to what your priorities are when it comes to insurance. Do you prefer experience and reliability? Or good customer service and cheaper rates?