Farmers Homeowners Insurance

Although I want affordable insurance and one with good value such as USAA, I am held hostage to the fact that my area is considered a burnable area and too high although any small fire we had has been quickly put out. Also there are other areas with much more fire damage.

I closed on a two-flat apartment building (to be my new primary residence) in Chicago, IL on March 30th, 2018 while I was away in Georgia on military duty. My military orders ended on April 28th. On April 29th I traveled to take possession of the property and found that someone had broken all the windows to the first-floor apartment. That same day I had the doors and windows boarded up. The next day, April 30th, I returned to the building with a contractor to discover someone had broken in and stolen the copper pipes and caused damage to walls, cabinets, and doors.

So I have this problem with the water leak in our bathroom pipes which is concealed in the walk in closet. My house was built 2013. I am the first owner, I don’t have the copy of our policy. I’m trying to call my agent. Left a message. No respond twice. I called customer service and I was then transferred to a person named Joshua, he called me. And went to my house. Spoke with my husband. He ask everything if how much we're gonna pay out of pockets, deductible and he was answered "You are not paying anything". So he send a guy from Ontario which there is a same company around my place in Victorville.

Farmers is okay. We had a tree fall on our roof and they treated us fairly but not great. I would probably recommend them but I am not a big fan. I like their commercials but I wish they would spend money on claims instead.

I've never filed a claim, but costs go up every year, and coverage shrinks. How can I afford homeowners AND flood insurance, too? My income doesn't go up, but my costs do. Makes it hard for a senior to live in their own home.

My Farmers agent (Julie **) in Southern CA has been raising home insurance rate from $558 in 2015, to $611 in 2016, $650 in 2017, $690 in 2018. What a game! Their service is bad. No respect to long-term customers. Okay. Bye bye Farmers.

The insurance went up 4 times as much because of fires. Totally unfair as I have not had a fire since the house was built. My last insurance dropped me and it was a very lame excuse!

All insurance premiums are too high. Had to make a claim on homeowners and replacement of part of bathroom after deductible, depreciation, etc still cost me $3300 and that was using lower grade quality than what I had. Should have just put monthly premium under my mattress and I would have saved money.

I don't like paying for other people homes and I never had to ask for any claim pay out when it happen. Such as a roof or siding problem when a storm damaged my house! But the insurance companies keep raising my premium each year, even when I don't put in any claims. Why? The claims are at the other end of the U.S.A. Miles from my house not even in my state.

Just bought a home about 10 mos. ago and discovered a plumbing leak that was occurring with the toilet. Called and made a claim and they sent out an inspector and the claims adjuster... Then came the very very fine print about my situation and why they are unable to cover my claim. What's worse was the extremely cavalier and dismissive attitude of our agent (Bill **). He's a total company man - dispassionate and defensive. It felt like that scene in the movie The Incredibles, where the Mr. Huph was instructing Bob Parr never pay a claim. I honestly don't know how these people can sleep at night knowing that they willfully deceiving people into thinking that they are "covered" should anything serious happen to their home. What a lie. Needless to say we be leaving this company as soon as I can replace our coverage. Bottom line - I would RUN from Farmers Insurance Co.

Every time I filed I did not get paid and my deduction is high. And plus they went up and I have not had a claim in five years or more so why go up on my insurance. It cause my house note to go up.

Each mailing from Farmers is just another "WE WON'T COVER THIS" announcement. If it is just fire insurance, then the costs should not be this high. I was in a flood zone (NOT) and never had a chance of flooding. But the people on the river flood every other year. WHO is paying for that: me. This is another big scam on a long list of scams that the insurance industry perpetrates. But I love my local office and the people there, trying to make an honest living in a dishonest industry.

We were loyal Allstate customers for over 30 years. When I requested a lower rate on both Homeowners and Vehicle insurance They wouldn’t budge. I contacted Farmers and was signed up in 24 hours. It could not have been easier. The agent made us feel at ease and explained everything fully, answered all our questions. We have not had a claim yet. Renewing has been easy every year. We are even contacted regarding other features Farmers offers.

The claims dept. could be better. Long response time and difficulty reaching the adjuster at times. We never got to see him in person which was kind of odd.

Farmers is a well established company that I combined with my car insurance & sleep better knowing that they will be there when & if I need them. It is a trustworthy co.

Farmers Insurance is the best agency that a person could ever ask for. I recently had to claim where someone ran into the telephone pole and cost $21,000 worth of damage to my property. When they hit the telephone pole they ripped out the power in my house and damaged a lot of other stuff. They also damage the retaining wall. Farmers within 48 Hours had the money in my bank for me to replace everything. No other agency would have work that fast.

Our agent is difficult to reach and then makes us feel like we are imposing on his time. We have 3 autos and HAD a homeowners policy. The homeowners policy was cancelled after one year because the house wasn't finished yet. We are building it ourselves and is over 50% complete at cancellation. We are shopping for another insurance company.

Local agents are great and always helpful. However, if you ever find yourself having to go through an underwriter, not so much. For instance if you have an old 50+ year old trick, they'll want maintenance and repair records even if you've always done them yourself.

Premiums are way too expensive, coverages are less as they keep raising premiums, too many exceptions to policies, deductibles are too expensive, especially the wind/hail. Insurance is supposed to protect customers, be there when there is a claim, not gouge customers with overpriced premiums and high deductibles for wind/hail, etc. Getting to the point where we may have to relocate, premiums go up for no reason. Too many high paid agents, CEOs, need to focus on affordable, fair coverage for customers.

They assigned me an agent from out of town and she has never returned phone calls or emails. Very frustrating. I am considering switching to another one this summer.

Had Farmers for 30 years, when pipes broke in house Farmers would not even cover carpets. After shelling out $70K over 30 years, switched companies. Farmers is not trustworthy and failed to provide coverage as advertised.

I wish that my homeowner's insurance premium was not so expensive. My mobile home is an older home and because of that I have to pay more in premiums each month and my deductible is also too high.

I have a friend who lost her home in the Tubbs fire. All of her neighbors were on a private social line comparing the behaviors of the insurance companies and advising each other. Some companies demanded a itemized list of all belongings, some excepted a general idea. Farmers were “okay”; AAA was outstanding; State Farm sucked with disorganization.

Farmers Insurance is good as long as you do not have a claim. Three years ago I filed a claim for hail damage to my roof but only the back of the house was damaged. Farmers would not pay for any of the damage but stated I needed the back of the roof replaced. I just filed a claim. Shingles came off the front of my roof from heavy winds. Again Farmers stated I needed half of the roof replaced but with my deductible they will pay next to nothing, again stating only half the roof was affected. I was told part of the problem is that I did not replace the half of the roof three years ago. As soon as the claim is finished I will be changing insurance companies. I also have auto insurance with Farmers. When I had a auto claim my car was totaled and they gave me $600.00 less because my car engine was DIRTY!

When my policies with Farmers expired, I switched to a competitor. Farmers continued to bill me, so I called and let them know that I had changed carriers. Farmers had the gall to request proof of coverage with my new carrier - which I supplied in order to end the whole business. They responded by sending threatening letters from their collections service with WARNINGS to take action against me. Despite several contacts and numerous calls to Farmers, this harassment went on for months. My agent even offered to pay what the company was requesting. No WAY - I didn't owe them a nickel. This had nothing to do with my agent - It was solely an issue fabricated by Farmers.

Beware of Farmers Insurance! They will do anything to earn a dollar and not pay a claim: Tell lies, ignore coverage, misrepresent facts, dodge inquires, fail to conduct with integrity a full investigation, and fail to provide clear reason for denial supported by applicable policy provisions. I filed my first property claim, 5 years paying, under my homeowner’s policy: Section 1, Coverage C Personal Property, “we insure accidental direct physical loss or damage.” Loss or damage means theft or distinct and demonstrable actual physical injury to or destruction of the property." My hand was struck and caught in a pool vent that altered my ring, loosen the diamond and it caused it to fall out. My claim was to reshape band and replace the 2 carat diamond.

I had water damage at my home. Adjuster deny case without even study... than oops he made mistake.. Down the road I was covered only some part but only what he want to approve not actual damage due to water damage. It takes them forever to approve. They should've been doing resolving the claim... but all ** (adjuster) is doing finding ways to void claim do investigation!!! For what... it's water damage. Need to fix problems not voiding it.

Two goals for my story. To potentially save you money, and in doing so, to cost Farmers the same or more than they are costing me by your saving money. So here goes: First - education. For jewelry, if you turn in an appraisal for $X.00, you will pay the premium for $X.00 for the entirety of your coverage unless you specify otherwise. If there is a loss or theft, Farmers does not necessarily PAY you the amount on the appraisal mapped to the premium amount you are paying. They will pay you “up to” the amount of the coverage. They pay you “market value”, even though you are paying the premium for the amount on your appraisal.

On 04/05/2018, sometime between 1 am and 5 am, we had a water-line break in our upstairs bathroom and judging by the amount of water, it ran for several hours. Floors upstairs, and walls, floors and everything in the rooms below was soaked! Well, that's what we have Homeowner's Insurance for, right? A policy that we've been paying into faithfully since 2003, NEVER missed a payment, and NEVER had a claim before.

Contacted Company to have my insurance changed from annual to monthly payments. No one responded and I went with a different company. They later responded sending me a notice from a collection agency.