Farmers Home Insurance Reviews

I had Farmers for over 20 years, and throughout that time I kept getting bounced around from one agent to another. This year, in 2026, my homeowners insurance doubled from $3,000 to over $6,000 for absolutely no reason. I’ve never filed a claim and have always paid for everything out of pocket, yet my deductible with the new agent jumped to $11,000! 😡

i needed homeowners insurance so I was searching online and an agent for Farmers insurance in Houston, Texas contacted me by phone, got my information and wrote a policy for my home in Amarillo, Texas that was costing me about $3000.00 a year, two months after getting the policy we got a bad hail storm in excess of $15,000.00 damage. When I filed my claim I was informed my deductible was 5% and they only owed me about $75.00 so what it amounts to is this agent wrote a policy that he knew Farmers would never have to payout a dime unless my home was totally destroyed by hurricane, earthquake or fire. I just want to know how insurance companies are allowed to write a policy like that and get away with it until you have to file a claim and then you find out you have just been giving money away for a policy that was fraudulent when it was written.

My sewer line flooded my basement while I was out of town. My housesitter called me to let me know. I called a plumber. He couldn't even do anything until it was cleaned up. I called Farmer's. They said to call a clean up company and I was covered for the entire cleanup. Then I called my local Farmer's agent and told her. She stated it was all covered. After the cleanup, the plumber came out and said the drain had failed in the secondary sewer line. Farmers sent an adjuster out two weeks later. She said she couldn't see anything. She denied the claim. I can't afford to fix this. I have been living in my home with no shower, kitchen sink, dishwasher or upstairs toilets for 35 days. I don't know what to do. The cleanup company called me and said they had never been paid by Farmers.

My experience with Farmers homeowners insurance has been nothing short of amazing! They really care about their customers and treat them as one of their own. My husband and I appreciate everything they have done for us and our home. 5 Stars!

Farmers insurance is the worst company to ever exist. After 14 years with them and zero claims we were hit with a major hail storm that cause extensive damage to our home. Farmers is saying they are only going to pay for a 21 year old roof even though we have paperwork to prove it is only 6 years old. We moved into this house 2 years prior and purchased full coverage for our home only to find out from the adjuster it does not cover matching siding or anything metal which they call Maring. Never once were we asked if we wanted those or not. Our agent tried to get them to reconsider their decision on the age of our roof seeing we have paperwork to prove the age, only to be told by the underwriter that “we (Farmers) don’t care”. That to me is disgusting and criminal. This whole ideal has been very stressful for my wife and I and if I could save people from this fraudulent company I will tell them to definitely not go with Farmers insurance.

Do NOT get Farmers. I supposedly had them on my house. After paying a year, even though was thru mortgage payments they had my address wrong. I was lucky nothing happened. After a year they sent me an overdue notice. I told them contact my home mortgage co since all went thru them. Nobody would talk. Now I'm sent to collections. And my mortgage company says farmers never tried to call or write. And they attempted to call farmers and were refused. I'm telling you you'll get screwed.

I had Farmer's Home Insurance for about 15 years. We had 70 mph wind gusts and hail. It tore off parts of the South end of my roof in Ogden, UT. There were hail pits all over the roof. The contractor said that I needed a new roof. He took a lot of pictures and had tons of proof. Farmers sent over some clown who said that he didn't see any hail pits. They offered to replace the blown off tiles at the South end of roof. That night, my garage ceiling started leaking and the sheetrock fell through. They offered me $600 for the roofing tiles and $150 for a piece of sheetrock. A total of $750! The job cost me $16,000 so they only paid for about 4% of repairs. Even the contractor was shocked and told me that I got screwed. Then they had the audacity to raise my rates by $1,200 per year because I filed a claim! I would give them a minus 10 stars if I could. Be smart, don't do business with those clowns!

Review for Farmers Insurance: I want to express my sincere appreciation for Farmers Insurance. After the total loss of my home in February. They have been incredibly supportive and easy to work with. They provided prompt and comprehensive support, ensuring that all my needs were met without any delays. A special thanks to BryAnn ** and Andrew **, who went above and beyond to assist me throughout the entire process. Their dedication and professionalism truly made a difference, and I’m grateful for their help. I highly recommend Farmers Insurance to anyone in need of reliable and compassionate service. They truly care about their clients. Sincerely, Kristina **

Do not trust Farmers Insurance to protect your home. I have paid my premiums faithfully for over two years, and my roof has never leaked—not once. In November 2025, when the massive storm hit the Bay Area (with confirmed 80 mph winds that grounded flights at SFO), my roof sustained damage and leaked. I filed my first-ever claim, expecting them to help. Instead, they sent an unqualified adjuster who looked at the damage and denied the claim immediately. His excuse? He claimed there was "no wind" (completely false) and that the damage was just "wear and tear."

Absolutely do NOT do business with Farmer's Insurance. I changed to Farmers Insurance In August of 2025 after being with Erie Insurance for 12 years. Within 45 days, the both home and auto polices were "Adjusted" to a higher premium. I called and was given the run around on some discounts. Then 30 days later, more premium adjustments. Finally, in Novembers (90 days since inception of policy), I got a letter from my mortgage company that I had no homeowner's coverage. After calling Farmers Insurance, they confirmed "someone" cancelled the policy. I am now fighting with them to reinstate the original policy at the original amount. They have no clue why premiums change and no clue why homeowners was cancelled. After reading other reviews, I guess this is common practice.

Have to give 5 stars for customer service from Producer who did our quote. Have to give a zero for pricing. I was in uncontrolled laughter after our quote for a 477k dwelling coverage quote for our home came back at 13k a year. 🤣 with a bundle; just under 10k. Not even close to quotes from other companies. Insane!!!

Farmers insurance claim. Because my insurance agent is the best in the world! I had a claim two years ago for hot tub damage that was denied by Farmers Agents #1 & #2. Whitney ** then bought the agency and re-reviewed all my coverage. Turns out I was undercovered for some stuff which she fixed. Got me some discounts the other agents missed. And then I brought up the claim that was denied. She confirmed that I did have and was paying for the extra hot tub coverage for that and it might be covered. Whitney ** & Ciara ** spent the next 3 weeks looking into this for me. She re-opened the case with Farmers, talked to the adjusters, and eventually got Farmers to pay for my hot tub in full 2 years after the original claim. I was shocked!

Really!! Have no problem signing documents with Docusign but to cancel, it needs to be Wet. Thanks for the heads up phone call that I never received.

Tried to cancel my mother’s renters policy after she needed to move to nursing home. My mother had multiple surgeries and was not able to speak to cancel herself. After multiple calls we were told to send copy of power of attorney and request to cancel with copy of driver's license. We did all that and it still wasn’t cancelled. My mother has since died. Now they want copy of the will and executor to request. We did not provide since request to cancel was made before she died. Unbelievable! After 4 calls I was told they still won’t cancel policy. I will cancel my own personal policy with them due to the way this has been handled.

Farmers insurance was paid last year through escrow when my house sold, 9 months ago. Never hear anything until a collection company reported on my credit report. I have sent all the documentation to the collection company and they sent it to farmers. Now a month later Farmers hadn’t responded, and I was told “they will give them the time they need to respond”. Meanwhile, I’m still showing a collection account on my credit report.

When I signed up through work, thought it was odd that the rep stated I was a good candidate for Farmers Insurance, having no claims and agreed to autopay. 1st year, was expensive thinking I was getting a deal through work program. By year 3, I had enough. I called and asked to re-visit my policy to help lower premiums, but keep getting I am already receiving best rates. Crazy, by year 3, I was paying 3k for my home, 4500 for 2 cars and another 3k for home policy for my mom. 10k plus, but they tell me I am already receiving best price. I just changed carriers and now paying total 6,200 for better coverage. Farmers not looking to keep customers, nor are they looking out for their clients.

Raised my premium at renewal an extra $300. They sent out an adjuster after I called to complain about the price hike. Soon after they canceled my home policy due to messy storage shed on the property. But all ended well. I was able to get a much lower rate for home and auto, plus I have better coverage. The fun did not end with them after cancelling. I sent them a few auto cancellations, but they kept charging my card. It was a nightmare to get rid of them.

Western NY has had hard winters. 80 plus inches of snow, winds, temperature changes with freezes. Adjusters were flown to assist in claims or third party companies were used. They denied, clearly uninformed about severe weather or instructed to do so. They had several claims last year due to hail, which some people are still fighting in class action lawsuit. Many people believe they are debating to recoup their profits from the area. Here goes to another class action lawsuit suit in order to get covered damage paid. Do NOT go with them. All they do is make you compliant for having insurance, but they do not support their customers or policies.

If I could leave negative stars I would. My house caught on fire January 2, 2025. Here we are 3 months later and I am still trying to get my money back from Farmers. They left me in a cold dark house and would not return my phone calls or texts. I had to clean up my own fire damage and call an emergency contractor to come out and board up the hole in the house. I wasn’t even offered a hotel. I had to continue to call and text the adjuster to get a hotel as I had to sleep on somebody’s couch the first night. Their initial offer to fix my fire damaged home that was caused by GE repairman was to offer me $1500 plus a possible recovery Of another 2300 once I proved I paid for all the repairs.

I have always maintained that Insurance companies bait their clientele with great offers and then stab you in the back with unmerited increases until you cry uncle looking for a better deal. I thought Farmers would be different, but not so. A 20% increase in the first year verifies my fear. Just another money hungry Insurance company reaching deeper into my pockets. Buyer Beware!

I found that I have been with them since 1981. This year my renewal was 01/07. I told them that I wanted to cancel the renewal as of that date. Anyway the other end of it did not go as planned, so I wanted to reinstate my policy having never been late on a payment. This was on the 16th. They have a group called the Mercier group I guess that handles their policies. So they reinstated my auto and they said the home was also reinstated. A day later and a call just a generic number no name. "We need some additional info." Since I was told all was reinstated, much to my surprise that they had to do a new policy at a lower coverage and higher cost, and I need an inspection on the home. I would not recommend them to anyone that I like. As soon as I do my Homework I will run from these folks. I never received 1 straight answer. GOOD LUCK.

Beware of the fine print. I purchased an additional policy to cover my boat dock approximately 10 years ago because I was advised by my agent that it was not covered as a separate structure under my homeowner's policy. When the tornado went through Rogers, AR in May 2024, the ramp was bent due to wind damage. The agent first told me that the dock was not covered because it was made of metal. Then he said I could not prove it was damaged by the wind. My home had to have a new roof, and a marina 2 miles from my home was destroyed by the wind. I contacted the insurance commissioner from AR, and they just said that the insurance company stood behind their claim, and that was the end unless I wanted to sue them. Another ineffective agency.

I had roof damage from a wind storm that caused major water damage to my home. The adjuster said half of the roof would need replaced as well as the ceiling drywall in multiple rooms. The adjuster refused to inspect the attic because the access was not "easy". This is where most of the damage occurred. Unfortunately, there was damage to some sheathing and a skylight from the particle board sitting water logged for 3 1/2 months. Farmers stated they would not cover the supplemental payment because it was caused by deterioration.

I’ve had Farmers home insurance since I’ve bought my house to only see my rates go up. I recently changed to Travelers and I’ve reached out to my rep Deborah L ** to get the refund of the remaining year. No help. That’s how you can tell you’re just a number.

Major hail storm on 8-5-2024. I had 3 contractors and inspect my roof. One of the contractors was RECOMMENDED by my Farmers agent. All indicated that there was hail damage. Farmers adjuster came out, found damage to gutters, downspouts and 4 windows. Adjuster could NOT get on our 2 story roof per Farmers liability. He said he’d call for a ladder assist. Took weeks to get and I had to stay on top of them but the ladder assist came out (alone) and got on our roof. He took photos and told me he’d submit to the adjuster.

Have been slack on getting back in touch with me. Most insurance Companies Email the acceptance/denial letter. I was told is was mailed. Never received it. I need it so that I can turn it in to FEMA. I received this text thanking me for photos of my home that was ripped apart by Hurricane Helene. But I wouldn't expect a Company like Farmers to be considered & treat me like a human being by actually reaching out in a timely & considered manner..

I have been with Farmer’s for 40 years. My wife and I recently discovered our agent has been charging us for coverage for an outbuilding that doesn’t exist. What are our legal rights to recover the money she basically stole from us? When we discovered this we told her to remove it immediately from our policy but refused. Said her husband drove by our house which there is no way he did. We’re leaving Farmer’s immediately to a competitor and turning our ridiculous agent in to a district manager.

In my opinion Farmers is useless and ignorant (not the agent they were very professional). Farmers cancelled my brand new home owner policy because it has “rubber hoses“ for my plumbing, which is actually PEX PIPE. I told the representative that it was PEX & he refused to reinstate the policy unless I replaced all pex pipes, pay for another inspection and agree with a INCREASE OF DEDUCTIBLE TO 8 percent. Took 10 weeks to receive my refund even though they cancelled me for an ignorant reason. Don’t walk but RUN away from farmers and never ever sign up. All they my will do is take your money and then cancel your policy.

We are very disappointed customers of Farmers Mutual Homeowners insurance. We had 10,000 deduct. & they still dropped us & then would not cover hail damage on another residence because they said we had older shingles. Fraudulent info. Would not recommend this company for any insurance needs. Not trustworthy. We were very much mislead!!

On January 20th a storm came through Benson Arizona. Farmers/Foremost/USAA sent out mitigation clean up then 24 hours later they were told to remove their equipment and denying the claim. Adjusters x 2 told me this was an old claim which was never fixed after I told them that the contractor in 2021 was held accountable for the 2021 claim and he fixed all roof repairs. Three years later on 1/20/24 I had wind and hail damage which was proven and investigated by the mitigation Foreman “Erik”. He allowed me to record his findings and his report to Farmers in Tucson Az. Then when I called Farmers I told them the mitigation was already there doing dehumidification with their special fans etc.

This is the worst insurance company I've ever dealt with. I'd been paying home insurance with them for almost 4 years. I made one claim for water damage in the amount of $2300 and they refused to renew my policy. When I called, they said the underwriters don't talk to customers and that the decision was final. I told them it doesn't make sense - one small claim in 4 years - and I was hung up on. DO NOT PROCEED WITH THIS COMPANY.

An enormous hail storm passed through our area on April 1, 2023. My brother-in-law suggested that I have our insurance company look at our roof, so I filed a claim. I included the NOAA report of large hail in our area. An inspector comes and says, "Looks good. You've got 25-year shingles on this roof, and you've got another 8 to 10 years." I have never filed a homeowners claim before.

Farmers Insurance is absolutely the most dishonest deceitful company I have ever dealt with. I have been with them well over 30 years. In the beginning and for many years after I recommended them to everyone. In 2017 they stopped allowing independent agents and started using dedicated agents and their service went downhill quickly. We have had issues with our policy every year since and the agent we were given proved to be totally incompetent. Once they charged our escrow a yearly premium every 2 weeks - They were quick to take the money - VERY slow to return it. They also insisted we have new flashing put on our roof even though we had 2 home improvement people inspect and say it was not needed.

First and foremost, let me start off by stating I’ve had Farmers Insurance for many years (10-12), and this was my first experience with Farmers filing a claim against my primary residence. After the experience I recently went through, I requested my policy be canceled and went through Progressive after this experience.

Chris ** is the greatest claim adjuster working for Famers Insurance. He demonstrated professionalism, timeliness, and ethical characteristics of a claim adjuster. He explained each step to filing a claim and what to be expected next. He answered text promptly with no delays. I had an excellent experience before and after the claim was completed.

I set up a home-owners policy and took time with the agent to make sure the policy was how I wanted it. After I signed a contract for the policy and paid in full for it, I had a home inspection. The inspection came back with wanting me to replace the accordion pipe under my sink with smooth pipe by a certain date or they would cancel my policy. That is no reason to cancel a policy. It was not leaking. I replaced the pipe well before the due date and my agent went ahead and cancelled my policy after I told her several times not to. Then she came back with that I had to add car insurance, or my deductible would go from $1,000 to $5,000. That is so illegal. She knew exactly what she planned on doing before I even had a home inspection. They were looking for any reason at all they could find to have an excuse to cancel my policy so they could come back and tell me I needed to add car insurance to keep the policy I set up.

After MetLife discontinued offering Home & Auto insurance, I transferred to Farmers Insurance. In the time I have been insured with Farmers I have made zero claims against my Farmers policies. Yet as of December 2022, I received a notice that my monthly premium cost would increase by 41.6%. My original monthly premium for both home & auto had been $388.11 which was already high and living on a fixed income after retiring, but the recent increase to $549.74 per month was obscene. Only reason I was given for this increase was because of renewal date. Regardless of whatever losses the company may have had in claims filed by other policyholders, there can be no excuse for such wanton greed.

Truck Caught Fire, they denied my claim because they said they don't cover my personal tools in a fire because I used them for my work and said they were business tools, even though they are my personal tools. And they dont have a but 500 dollar limited policy for personal items in a fire claim. RUN as fast as you can, they told me I had nothing to worry about and had charged me extra for my tool coverage, then when my truck blew up and I barely escaped with my life, It cost me a fortune to get a quarter of my tools to get back to work. Horrific. Farmers lied and they said I was covered. And not to worry. Now I have to find an attorney.

Farmers Insurance recently took over my homeowner's policy from Metlife. In June 2021 I paid Metlife for 1-year of coverage in advance. Recently, my bank recognized that my policy was expired as of March 2022 (when Metlife moved my policy to Farmers). I learned of this from my bank in August when they began auto-charging escrow $$ from my checking account. I first learned about the transfer of my policy to Farmers when I called Metlife to inquire about this problem.

No claims, renewel due, they wanted $70.00 more dollars for renewal 2023 policy, told them I was going to shop around, was under their so said bundle pkg, agent replied cost was because they anticipated 5 more storms for the year 2023 so the cost was going up, shopped around. Come to find out they were the highest of the other 3 bids, they tacked the difference onto my house insurance which was paid in full, there is a reason they want you to bundle, that way they can charge you a extra fee for nothing, there was no savings at their bundle price from the beginning, I believe that is called theft by deception, saying one thing and doing the other, this is not right with the insurance industry, hosing the people because of their GREED.