Farmers Home Insurance

After searching numerous insurance companies, Farmers had the best price and coverage. It helps that I have all of my cars and homes with Farmers, so they give me a percentage off, but I still haven't found anyone who can beat their prices. When I call my agent, she is always available and answers any questions I have. Customer service has declined in our society, so having great customer service is important to me.

While this is a reliable company, I have had multiple agents over a 20-plus years as a client/customer. I am not sure if the premiums are determined via computer model or individual on-site assessment..

I’ve relied on Farmers Insurance for many years. Their pricing is competitive in TX and although not the lowest the service and expertise of the agent can make a big difference. I haven’t had any major claims but have not heard anything negative there.

My Farmers insurance agent is always available to help me, even with the Covid lockdown. By phone or email, I can always reach his office. He even helped me when my mortgage company tried to impose their insurance on me. They apparently thought my policy had lapsed, but they were wrong. I couldn't get help from the mortgage company, but my Farmers agent actually called them on the phone to confirm that they received his paperwork in the mail, and he got their assurance that they would not be adding charges to my mortgage payments for their imposed insurance.

I have stuck with Farmers Insurance because I get multi-policy discounts. I tried to switch to AAA, but they will not insure homeowners in a fire prone area. I have wanted to put claims in several times with Farmers, but they said if I do my rates will go up. That is ridiculous. What good is it to insure especially when their rates are constantly going up anyway.

WORST INSURANCE COMPANY EVER. Save yourself the hassle and go to a more reputable company. This company is quick to take your money but when you file a claim, they will NOT - under ANY circumstance - pay up. We filed two claims with them, which costed us over $25k from our pocket, and they wouldn't pay anything. In fact, when Farmers did their "investigation", they called the flood company and asked ONE question and HUNG UP ON THEM! They were unprofessional and denied us on bad faith. They DO NOT PAY any claims - at all. My neighbors had the same problems with them and they were also told that they do not pay for their claims. I can't believe the trouble we had to go through with them for months.

I wanted to share my negative experiences dealing with Luis **, his agency, and Farmers Insurance and would not recommend doing business with him or Farmers.

Farmers Homeowners Insurance might be cheaper than others, but when I have to call my agent 4 times over 3 weeks to explain a simple change they made in my renewal, every time being promised to fix it until the last time when the deadline was approaching he told me he does not know why the change was made and that I should call Farmers and ask!!!! I thought I was calling Farmers when I called him. Bad -I don’t want to say dishonest- customer service!!

Filed a claim in regard to our washer hose bursting in our condo. Although we wiped up the water as quickly as possible, some seeped to the condo below causing minor damage. Our condo, however, was not damaged at all. Our liability agent requested all documentation in regard to owning our condo including rules and regulations, agendas etc. What does that have to do with a washer hose bursting?? But we contacted our Hoa and they forwarded the information. Also information and contact numbers for the condo owner downstairs plus the plumber/company who repaired and replaced the washer hoses.

I got a quote for homeowners insurance and agreed, Paid in full for 1 yr. About 2 months later I receive a letter saying I owe more money AND they lowered my insurance rate that I signed up for. This company does not care about you, all they want is more out of your pocket. STAY AWAY, there are better companies out there.