Company Details
Company Name:
FOREMOST INSURANCE COMPANY GRAND RAPIDS MICHIGANLicense Status:
ActiveNAIC Number:
11185Company Address:
5600 BEECH TREE LANE CALEDONIA, MI 49316
Phone Number:
6169423000Mailing Address:
P.O. BOX 2450 GRAND RAPIDS, MI 49501-2450
Mailing Phone:
6169562813Description:
Property and Casualty (Ch 379, RSMo)License Number:
B420834Date Admitted:
1954-07-02Market Share
| Year | Line | Market Share | Direct Premium Written | Direct Premium Earned | Dividends Paid | Direct Losses Paid | Direct Losses Incurred | In Force | Loss Ratio |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | Total Property & Casualty | 0.42% | $74,792,017 | $64,370,097 | $0 | $29,433,365 | $33,816,169 | $0 | 114.89% |
| 2025 | Total Fire & Allied Lines | 6.13% | $41,350,134 | $32,324,801 | $0 | $12,206,536 | $14,144,038 | $0 | 115.87% |
| 2025 | Dwelling Fire & Allied Lines | 12.4% | $41,350,134 | $32,324,801 | $0 | $12,206,536 | $14,144,072 | $0 | 115.87% |
| 2025 | Commercial Fire & Allied Lines | 0% | $0 | $0 | $0 | $0 | $-34 | $0 | 0% |
| 2025 | National Flood Insurance Program | 1.07% | $173,812 | $175,288 | $0 | $83,035 | $80,093 | $0 | 96.46% |
| 2025 | Total Homeowners | 0.57% | $20,956,284 | $20,181,077 | $0 | $11,249,634 | $13,813,216 | $0 | 122.79% |
| 2025 | Homeowners Multi-Peril | 0.25% | $8,893,346 | $9,408,632 | $0 | $5,483,984 | $7,436,549 | $0 | 135.6% |
| 2025 | Mobile Homes | 25.4% | $12,062,938 | $10,772,445 | $0 | $5,765,650 | $6,376,667 | $0 | 110.6% |
| 2025 | Commercial Multi-Peril | 0% | $0 | $0 | $0 | $0 | $-2,082 | $0 | 0% |
| 2025 | Ocean Marine | 2.9% | $1,602,147 | $1,584,592 | $0 | $788,360 | $764,291 | $0 | 96.95% |
| 2025 | Inland Marine (Incl Auto Cargo) | 0.11% | $462,027 | $445,015 | $0 | $179,541 | $199,051 | $0 | 110.87% |
| 2025 | Earthquake | 0% | $0 | $0 | $0 | $0 | $-20 | $0 | 0% |
| 2025 | Direct Workers Compensation | 0% | $0 | $0 | $0 | $0 | $-14,475 | $0 | 0% |
| 2025 | Other Liability - Bodily Injury & Property Damage | 0.32% | $3,379,348 | $2,839,765 | $0 | $1,934,650 | $1,686,845 | $0 | 87.19% |
| 2025 | Total Private Passenger Auto | 0.07% | $2,192,368 | $2,209,658 | $0 | $911,803 | $1,112,837 | $0 | 122.05% |
| 2025 | Private Passenger Auto Liability - Bodily Injury | 0.12% | $1,929,736 | $1,947,525 | $0 | $570,195 | $762,531 | $0 | 133.73% |
| 2025 | Private Passenger Auto Liability - Property Damage | 0.02% | $262,632 | $262,133 | $0 | $91,608 | $100,306 | $0 | 109.49% |
| 2025 | Private Passenger Auto Liability - Uninsured Motorists | 0% | $0 | $0 | $0 | $250,000 | $250,000 | $0 | 100% |
| 2025 | Private Passenger Auto - Comprehensive | 0.21% | $2,948,715 | $2,881,244 | $0 | $1,372,337 | $1,344,549 | $0 | 97.98% |
| 2025 | Private Passenger Auto - Collision | 0.11% | $1,727,182 | $1,728,657 | $0 | $707,469 | $687,826 | $0 | 97.22% |
| 2024 | Total Property & Casualty | 0.34% | $57,869,801 | $50,759,343 | $0 | $19,916,502 | $19,338,603 | $0 | 97.1% |
| 2024 | Total Fire & Allied Lines | 4.14% | $26,235,920 | $23,293,930 | $0 | $7,270,077 | $6,692,370 | $0 | 92.05% |
| 2024 | Dwelling Fire & Allied Lines | 11.93% | $26,235,920 | $23,293,930 | $0 | $7,270,077 | $6,692,336 | $0 | 92.05% |
| 2024 | Commercial Fire & Allied Lines | 0% | $0 | $0 | $0 | $0 | $34 | $0 | 0% |
| 2024 | National Flood Insurance Program | 1.11% | $176,012 | $172,779 | $0 | $15,287 | $18,525 | $0 | 121.18% |
| 2024 | Total Homeowners | 0.59% | $20,080,872 | $16,138,664 | $0 | $6,571,630 | $6,308,932 | $0 | 96% |
| 2024 | Homeowners Multi-Peril | 0.31% | $10,016,356 | $6,867,538 | $0 | $2,679,696 | $2,770,029 | $0 | 103.37% |
| 2024 | Mobile Homes | 25.38% | $10,064,516 | $9,271,126 | $0 | $3,891,934 | $3,538,903 | $0 | 90.93% |
| 2024 | Commercial Multi-Peril | 0% | $0 | $0 | $0 | $10,000 | $-31,948 | $0 | -319.48% |
| 2024 | Ocean Marine | 2.78% | $1,576,403 | $1,628,101 | $0 | $693,972 | $657,435 | $0 | 94.74% |
| 2024 | Inland Marine (Incl Auto Cargo) | 0.11% | $465,442 | $433,175 | $0 | $135,198 | $136,917 | $0 | 101.27% |
| 2024 | Earthquake | 0% | $0 | $0 | $0 | $0 | $19 | $0 | 0% |
| 2024 | Direct Workers Compensation | 0% | $0 | $0 | $0 | $0 | $-12,888 | $0 | 0% |
| 2024 | Other Liability - Bodily Injury & Property Damage | 0.26% | $2,501,193 | $2,273,151 | $0 | $675,834 | $1,437,615 | $0 | 212.72% |
| 2024 | Total Private Passenger Auto | 0.07% | $2,273,957 | $2,336,910 | $0 | $1,225,431 | $1,035,295 | $0 | 84.48% |
| 2024 | Private Passenger Auto Liability - Bodily Injury | 0.14% | $2,009,383 | $2,064,492 | $0 | $1,054,724 | $862,802 | $0 | 81.8% |
| 2024 | Private Passenger Auto Liability - Property Damage | 0.02% | $264,574 | $272,418 | $0 | $170,707 | $172,493 | $0 | 101.05% |
| 2024 | Total Commercial Auto | 0% | $0 | $0 | $0 | $0 | $-1,453 | $0 | 0% |
| 2024 | Commercial Auto Liability - Bodily Injury | 0% | $0 | $0 | $0 | $0 | $-895 | $0 | 0% |
| 2024 | Commercial Auto Liability - Property Damage | 0% | $0 | $0 | $0 | $0 | $-375 | $0 | 0% |
| 2024 | Commercial Auto Liability - Medical Payments | 0% | $0 | $0 | $0 | $0 | $-24 | $0 | 0% |
| 2024 | Commercial Auto Liability - Uninsured Motorists | 0% | $0 | $0 | $0 | $0 | $-159 | $0 | 0% |
| 2024 | Private Passenger Auto - Comprehensive | 0.21% | $2,822,555 | $2,757,389 | $0 | $2,009,850 | $1,909,434 | $0 | 95% |
| 2024 | Private Passenger Auto - Collision | 0.11% | $1,737,447 | $1,725,244 | $0 | $1,309,223 | $1,188,351 | $0 | 90.77% |
| 2024 | Commercial Auto - Collision | 0% | $0 | $0 | $0 | $0 | $-1 | $0 | 0% |
| 2023 | Total Property & Casualty | 0.3% | $46,908,244 | $45,569,287 | $0 | $21,954,861 | $21,758,977 | $0 | 99.11% |
| 2023 | Total Fire & Allied Lines | 2.69% | $20,883,071 | $20,687,927 | $0 | $7,640,180 | $7,537,114 | $0 | 98.65% |
| 2023 | Dwelling Fire & Allied Lines | 8.99% | $20,883,071 | $20,687,927 | $0 | $7,640,180 | $7,537,116 | $0 | 98.65% |
| 2023 | Commercial Fire & Allied Lines | 0% | $0 | $0 | $0 | $0 | $-2 | $0 | 0% |
| 2023 | Total Homeowners | 0.16% | $4,751,198 | $4,090,820 | $0 | $1,905,454 | $2,089,366 | $0 | 109.65% |
| 2023 | Homeowners Multi-Peril | 0.16% | $4,751,198 | $4,090,820 | $0 | $1,905,454 | $2,089,366 | $0 | 109.65% |
| 2023 | Commercial Multi-Peril | 0% | $0 | $0 | $0 | $0 | $15,126 | $0 | 0% |
| 2023 | Mobile Homes | 31.25% | $9,715,306 | $8,759,843 | $0 | $5,064,042 | $5,239,290 | $0 | 103.46% |
| 2023 | Ocean Marine | 3.19% | $1,679,228 | $1,787,100 | $0 | $954,419 | $911,088 | $0 | 95.46% |
| 2023 | Inland Marine (Incl Auto Cargo) | 0.08% | $419,784 | $408,480 | $0 | $172,748 | $156,013 | $0 | 90.31% |
| 2023 | Earthquake | 0.23% | $324,171 | $316,457 | $0 | $0 | $-8 | $0 | 0% |
| 2023 | Direct Workers Compensation | 0% | $0 | $0 | $0 | $0 | $-26,418 | $0 | 0% |
| 2023 | Other Liability - Bodily Injury & Property Damage | 0.22% | $2,141,832 | $2,261,950 | $0 | $1,666,766 | $1,720,707 | $0 | 103.24% |
| 2023 | Total Private Passenger Automobile | 0.12% | $6,827,071 | $7,108,849 | $0 | $4,509,049 | $4,076,099 | $0 | 90.4% |
| 2023 | Private Passenger Auto Liability Bodily Injury | 0.16% | $2,126,905 | $2,275,795 | $0 | $1,121,760 | $552,420 | $0 | 49.25% |
| 2023 | Private Passenger Auto Liability Property Damage | 0.03% | $281,223 | $304,288 | $0 | $131,098 | $101,908 | $0 | 77.73% |
| 2023 | Private Passenger Auto Comprehensive | 0.24% | $2,714,150 | $4,352,266 | $0 | $1,847,754 | $1,960,040 | $0 | 106.08% |
| 2023 | Private Passenger Auto Collision | 0.11% | $1,704,793 | $176,500 | $0 | $1,408,437 | $1,461,731 | $0 | 103.78% |
| 2023 | Total Commercial Automobile | 0% | $0 | $0 | $0 | $0 | $691 | $0 | 0% |
| 2023 | Commercial Auto Liability Bodily Injury | 0% | $0 | $0 | $0 | $0 | $399 | $0 | 0% |
| 2023 | Commercial Auto Liability Property Damage | 0% | $0 | $0 | $0 | $0 | $197 | $0 | 0% |
| 2023 | Commercial Auto Medical Payments | 0% | $0 | $0 | $0 | $0 | $17 | $0 | 0% |
| 2023 | Commercial Auto Uninsured Motorists | 0% | $0 | $0 | $0 | $0 | $78 | $0 | 0% |
| 2023 | National Flood Insurance Program | 1.08% | $166,583 | $147,861 | $0 | $42,203 | $39,909 | $0 | 94.56% |
| 2022 | Total Property & Casualty | 0.32% | $46,209,527 | $44,575,093 | $0 | $17,260,125 | $17,403,913 | $0 | 100.83% |
| 2022 | Total Fire & Allied Lines | 4.34% | $20,882,396 | $19,813,365 | $0 | $7,469,853 | $7,068,499 | $0 | 94.63% |
| 2022 | Dwelling Fire & Allied Lines | 13.49% | $20,882,396 | $19,813,365 | $0 | $7,469,853 | $7,068,506 | $0 | 94.63% |
| 2022 | Commercial Fire & Allied Lines | 0% | $0 | $0 | $0 | $0 | $-7 | $0 | 0% |
| 2022 | Total Homeowners | 0.15% | $3,995,393 | $3,676,786 | $0 | $1,273,954 | $1,360,759 | $0 | 106.81% |
| 2022 | Homeowners Multi-Peril | 0.15% | $3,995,393 | $3,676,786 | $0 | $1,273,954 | $1,360,759 | $0 | 106.81% |
| 2022 | Commercial Multi-Peril | 0% | $0 | $0 | $0 | $0 | $-12,144 | $0 | 0% |
| 2022 | Mobile Homes | 29.57% | $8,685,026 | $8,544,603 | $0 | $2,476,827 | $2,710,737 | $0 | 109.44% |
| 2022 | Ocean Marine | 3.85% | $1,882,746 | $1,902,084 | $0 | $661,205 | $682,369 | $0 | 103.2% |
| 2022 | Inland Marine (Incl Auto Cargo) | 0.08% | $396,506 | $404,761 | $0 | $71,747 | $58,366 | $0 | 81.35% |
| 2022 | Earthquake | 0.24% | $325,230 | $307,612 | $0 | $0 | $-8 | $0 | 0% |
| 2022 | Direct Workers Compensation | 0% | $0 | $0 | $0 | $0 | $-19,324 | $0 | 0% |
| 2022 | Other Liability - Bodily Injury & Property Damage | 0.28% | $2,372,307 | $2,415,909 | $0 | $768,971 | $1,252,035 | $0 | 162.82% |
| 2022 | Total Private Passenger Automobile | 0.16% | $7,556,403 | $7,373,672 | $0 | $4,414,868 | $4,183,816 | $0 | 94.77% |
| 2022 | Private Passenger Auto Liability Bodily Injury | 0.2% | $2,466,687 | $2,466,023 | $0 | $1,401,371 | $1,111,244 | $0 | 79.3% |
| 2022 | Private Passenger Auto Liability Property Damage | 0.04% | $330,870 | $327,453 | $0 | $82,249 | $79,136 | $0 | 96.22% |
| 2022 | Private Passenger Auto Medical Payments | 0% | $0 | $0 | $0 | $4,415 | $4,415 | $0 | 100% |
| 2022 | Private Passenger Auto Comprehensive | 0.22% | $2,071,953 | $1,963,833 | $0 | $892,020 | $935,492 | $0 | 104.87% |
| 2022 | Private Passenger Auto Collision | 0.21% | $2,686,893 | $2,616,363 | $0 | $2,034,813 | $2,053,529 | $0 | 100.92% |
| 2022 | Total Commercial Automobile | 0% | $0 | $0 | $0 | $2,000 | $499 | $0 | 24.95% |
| 2022 | Commercial Auto Liability Bodily Injury | 0% | $0 | $0 | $0 | $2,000 | $1,057 | $0 | 52.85% |
| 2022 | Commercial Auto Liability Property Damage | 0% | $0 | $0 | $0 | $0 | $-373 | $0 | 0% |
| 2022 | Commercial Auto Medical Payments | 0% | $0 | $0 | $0 | $0 | $-20 | $0 | 0% |
| 2022 | Commercial Auto Uninsured Motorists | 0% | $0 | $0 | $0 | $0 | $-165 | $0 | 0% |
| 2022 | National Flood Insurance Program | 0.76% | $113,520 | $136,301 | $0 | $120,700 | $118,309 | $0 | 98.02% |
| 2021 | Total Property & Casualty | 0.33% | $43,547,147 | $41,022,622 | $0 | $16,389,507 | $18,088,699 | $0 | 110.37% |
| 2021 | Total Fire & Allied Lines | 2.94% | $19,401,485 | $17,971,279 | $0 | $7,002,307 | $8,446,960 | $0 | 120.63% |
| 2021 | Dwelling Fire & Allied Lines | 13.38% | $19,401,485 | $17,971,279 | $0 | $7,002,307 | $8,446,964 | $0 | 120.63% |
| 2021 | Commercial Fire & Allied Lines | 0% | $0 | $0 | $0 | $0 | $-4 | $0 | 0% |
| 2021 | Total Homeowners | 0.14% | $3,445,931 | $2,960,596 | $0 | $1,376,172 | $1,369,085 | $0 | 99.49% |
| 2021 | Homeowners Multi-Peril | 0.15% | $3,445,931 | $2,960,596 | $0 | $1,376,172 | $1,369,085 | $0 | 99.49% |
| 2021 | Commercial Multi-Peril | 0% | $0 | $0 | $0 | $0 | $-4,566 | $0 | 0% |
| 2021 | Mobile Homes | 28.78% | $8,417,583 | $8,274,588 | $0 | $3,138,055 | $3,421,641 | $0 | 109.04% |
| 2021 | Ocean Marine | 4.41% | $1,918,552 | $1,900,180 | $0 | $750,199 | $613,028 | $0 | 81.72% |
| 2021 | Inland Marine (Incl Auto Cargo) | 0.09% | $423,091 | $412,758 | $0 | $181,565 | $196,412 | $0 | 108.18% |
| 2021 | Earthquake | 0.22% | $291,647 | $265,984 | $0 | $0 | $-6 | $0 | 0% |
| 2021 | Direct Workers Compensation | 0% | $0 | $0 | $0 | $68 | $-34,983 | $0 | 0% |
| 2021 | Other Liability - Bodily Injury & Property Damage | 0.3% | $2,428,873 | $2,348,096 | $0 | $278,647 | $279,995 | $0 | 100.48% |
| 2021 | Total Private Passenger Automobile | 0.16% | $7,060,791 | $6,738,280 | $0 | $3,643,080 | $3,804,998 | $0 | 104.44% |
| 2021 | Private Passenger Auto Liability Bodily Injury | 0.2% | $2,399,506 | $2,291,009 | $0 | $1,193,141 | $1,423,742 | $0 | 119.33% |
| 2021 | Private Passenger Auto Liability Property Damage | 0.04% | $322,955 | $314,991 | $0 | $69,238 | $57,201 | $0 | 82.62% |
| 2021 | Private Passenger Auto Medical Payments | 0% | $0 | $0 | $0 | $85 | $85 | $0 | 100% |
| 2021 | Private Passenger Auto Comprehensive | 0.21% | $1,829,756 | $1,720,104 | $0 | $729,316 | $775,010 | $0 | 106.27% |
| 2021 | Private Passenger Auto Collision | 0.21% | $2,508,574 | $2,412,176 | $0 | $1,651,300 | $1,548,960 | $0 | 93.8% |
| 2021 | Total Commercial Automobile | 0% | $0 | $0 | $0 | $0 | $-6,417 | $0 | 0% |
| 2021 | Commercial Auto Liability Bodily Injury | 0% | $0 | $0 | $0 | $0 | $-5,540 | $0 | 0% |
| 2021 | Commercial Auto Liability Property Damage | 0% | $0 | $0 | $0 | $0 | $-507 | $0 | 0% |
| 2021 | Commercial Auto Medical Payments | 0% | $0 | $0 | $0 | $0 | $-15 | $0 | 0% |
| 2021 | Commercial Auto Uninsured Motorists | 0% | $0 | $0 | $0 | $0 | $-230 | $0 | 0% |
| 2021 | Commercial Auto Comprehensive | 0% | $0 | $0 | $0 | $0 | $-42 | $0 | 0% |
| 2021 | Commercial Auto Collision | 0% | $0 | $0 | $0 | $0 | $-83 | $0 | 0% |
| 2021 | National Flood Insurance Program | 0.93% | $159,194 | $150,861 | $0 | $19,414 | $2,552 | $0 | 13.15% |
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2025 | Private Passenger Auto | 0.12% | 1 | 39 |
| 2025 | Homeowners | 0.51% | 13 | 103 |
| 2024 | Private Passenger Auto | 0.13% | 1 | 44 |
| 2024 | Homeowners | 0.48% | 10 | 156 |
| 2023 | Private Passenger Auto | 0.15% | 1 | 39 |
| 2023 | Homeowners | 1.06% | 10 | 76 |
| 2022 | Private Passenger Auto | 0.16% | 2 | 84 |
| 2022 | Homeowners | 1.08% | 10 | 96 |
| 2021 | Private Passenger Auto | 0.15% | 1 | 44 |
| 2021 | Homeowners | 1.07% | 10 | 105 |
Company Changes
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Financial Exams
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