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Farmers Homeowners Insurance

Farmers Home Insurance

 4.0/5 (248 ratings)
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  • 1 stars
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About Farmers Home Insurance

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Farmers works with a large network of agents to offer a variety of home insurance plans, as well as multiple discounts and special coverage options, including policy bundling. Its coverage is highly customizable and available all throughout the U.S. The company also has an app to help with policy management.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Pros

  • Large agent network
  • Available nationwide
  • App with policy info

Cons

  • A bit pricey
  • App doesn’t allow claims filing

Bottom Line

Farmers offers clear-cut customizable home insurance plans that let you pay only for the coverage you need. Its policies are available nationwide through an extensive agent network.

Top Farmers Homeowners Insurance Reviews

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Rated with 5 stars
Verified

I was recently involved in an accident… Jennifer ** was my agent and arranged the liability coverage for my claim. She was professional and courteous. Her knowledge of what I need...

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Rated with 5 stars
Verified

… They really are there for everything!! I call them and they always answer the phone pretty fast and know who I am right away. And they always call to check in with me randomly!....

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About Farmers home insurance

Farmers is a leading home and property insurance provider. It offers several straightforward coverage options for your home, whether you have a rental, a condo, a mobile home or a house you own. It also provides policies for specialty and vacant homes.

Farmers has an easy-to-use website with an efficient quote tool and a search feature that shows all agents in your area and their ratings. If you have questions about Farmers, you can visit its website and enter your ZIP code to get a list of local agents.

Farmers homeowners insurance coverage

Farmers provides three types of home coverage options (except in California, where the Premier package isn't available). Here’s a look at its coverage offerings:

  • Standard: Provides basic coverage designed for beginning homeowners. It's typically the most affordable package and includes fundamental coverage you can customize to fit your home and lifestyle.
  • Enhanced: Offers thorough coverage and extended limits; pays for the cost of a roof or home contents without depreciation.
  • Premier: The highest level of coverage for personal property; includes extended replacement cost for your home.

Farmers also includes these additional coverage features:

  • Declining deductibles: Every year you renew your policy, you'll qualify for a reduced deductible.
  • Claims free discount: If you've made no claims for several years, you might be eligible for a discount.
  • Claim forgiveness: If you haven’t made a claim in five years, your deductible won't rise with your first claim.
  • Cosmetic damage: If you have functional damage in your home and file a claim, Farmers can help cover the cosmetic issues.

Farmers home insurance quotes

Home insurance quotes vary by location, the cost of a home’s rebuild, personal property and various other factors. Contact your local Farmers agent or use the online quote tool to estimate your coverage rates. To give you an idea of typical annual Farmers insurance costs, for a one-story home in Oklahoma with an estimated reconstruction cost of $128,000, Farmer quotes $1,407 for the Standard package, $1,619 for Enhanced and $1,840 for Premier.

Farmers home insurance FAQ

What does Farmers home insurance cover?
Farmers offers basic coverage like fire and flood insurance, as well as more comprehensive coverage, such as theft of jewelry and roof replacement.
Where is Farmers home insurance available?
Farmers Insurance is available in all 50 states.
How do I file a claim with Farmers home insurance?
To file a claim with Farmers, you can use its website or call your local agent.
Does Farmers offer discounts?
Yes, Farmers offers multiple discounts, some of which will show automatically with its free online quoting tool.

Is Farmers a good home insurance company?

Farmers is a good home insurance company with a user-friendly website, straightforward insurance packages and a vast network of agents. It's probably ideal if you’re looking for an affordable and comprehensive home coverage option. While its rates aren’t the most affordable, Farmers is a well-established company with highly customizable coverage.

Farmers Homeowners Insurance Reviews

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How do I know I can trust these reviews about Farmers Homeowners Insurance?
How do I know I can trust these reviews about Farmers Homeowners Insurance?
  • 3,432,114 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer
Original review: Oct. 14, 2021

I have been with Farmers for over 30 years and had only 2 claims which they handled both promptly and completely. Then in January 2020 my home burned to the ground. I called my Agent (Steve ** in Dallas) the next morning and before I could even ask what I should do they had me connected to their temporary housing people and put $25,000 in my checking account to cover short term needs. The embers were not even cold before the adjuster was on site and declared the house a total loss.

The ads they are running about restoring your property regardless of the limits are true. Some 30 years ago my property got listed with the county nearly 1,000 sq ft less than its actual size. Nobody, even me, noticed it. This could have been a real legal nightmare but our agent and adjuster worked with us to get the house rebuilt 100% and I never had to spend a dime of my own money. All of this in the middle of the Covid pandemic with construction costs and delays going through the roof. It may have just been that the people assigned to our claim were great (every large company has its jerks).

I cannot say enough good things about Farmers and our agent. I had no problems getting through to them at any point in the process and the one thing that really stood out was the comments from the sub-contractors when they would asked what insurance we had. When I said Farmers, they smiled. Nothing makes a contractor happier than knowing they will get paid on time. It never ceases to amaze me how people immediately go on offense when dealing with a large company. All this does is put them on defense. On defense they will win every time. By working with them I gave Farmers the opportunity to help us and they did - big time.

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Rated with 5 stars
Verified Reviewer
Original review: Aug. 5, 2021

Farmers home insurance rocks! This is the most impressive insurance company I have ever dealt with! They paid $45k to replace my damaged roof and approved/funded the claim within 24 hours! Very impressive company!!

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    Rated with 4 stars
    Verified Reviewer
    Original review: June 26, 2021

    I think the payments are okay, but would love to see the deductible of $1000.00 less and more in line with the payments. Unfortunately, I can speak toward their service response or customer service team since I have not had to file a claim in 10 years.

    3 people found this review helpful
    Rated with 5 stars
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    Verified Reviewer
    Original review: June 12, 2021

    I bundled my cars with my home and it's 1/2 the price of State Farm bundled which I had before. I compared the policies and there is nothing different about them except the price and I have a great deductible of only $1000. I am very happy with them. They also gave me a low earthquake insurance price.

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    Rated with 5 stars
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    Verified Reviewer
    Original review: Jan. 24, 2021

    LaTroya ** helped me save ~$1,500 on my homeowner's policy AND helped me get even more coverage than I had before! She provided EXCELLENT customer service throughout the entire process. She really TOOK THE TIME to make sure I understood what I was getting and TAILORED my policy to what I needed and wanted. After finalizing the policy, I was told I needed a 4 point inspection (I already paid for and provided a wind mitigation report). Despite this miscommunication, LaTroya went OUT OF HER WAY to figure it out and RESOLVE the issue. I hope to never have to file a claim, but I hope she is still there if I ever do! She is the BEST! I hope Farmers and her direct supervisor know what a GEM she is and how AMAZING she is at her job!

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 25, 2021

    I had a pipe burst underneath my house and got a great deal of water damage. They refused to pay because it took us a few weeks to notice this incidence. They do not cover mole as a result of water damage and have removed it from their policy recently. Be careful with this company. Their profitability has priority over customer service.

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    Rated with 1 star
    Verified Reviewer
    Original review: July 14, 2021

    I paid two months when the policy renewed, two months the next month and three months the next. They sent me a cancellation notice because they insist the year has to be paid in Advance. THIS COMPANY SUCKS!!! I started the policy with the agent in Atascadero, CA. This is ridiculous because I was never behind!!!

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    Rated with 1 star
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    Verified Reviewer
    Original review: July 4, 2021

    I received a flyer in the mail offering me a premium on my homeowners' insurance of $660/year. I called the phone number on the flyer. They referred me to Farmers Insurance, an agent named Bruce **. I called Bruce for a quote on my three homeowners policies. Farmers Insurance quotes were more than 500% higher than the quotes I received from AllState Insurance. Want to get a new you-know-what ripped for yourself? Just insure with Farmers.

    4 people found this review helpful
    Rated with 5 stars
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    Verified Reviewer
    Original review: June 11, 2021

    My Farmers agent is always available by phone and email. The cost of insurance is very reasonable, and they are always helpful with advice. I'm a long-time customer and very satisfied with the service.

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    Rated with 2 stars
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    Verified Reviewer
    Original review: Nov. 21, 2020

    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.

    2 people found this review helpful
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    Farmers Homeowners Insurance Company Information

    Company Name:
    Farmers Homeowners Insurance
    Website:
    www.farmers.com