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Farmers Homeowners Insurance
Overall Satisfaction Rating
3.86/5
  • 5 stars
    173
  • 4 stars
    186
  • 3 stars
    95
  • 2 stars
    33
  • 1 stars
    22
Based on 509 ratings submitted in the last year
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Farmers Homeowners Insurance

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Farmers Insurance offers discounts when you combine your auto policy with another policy from them, but it is not a verified InsuraMatch partner. InsuraMatch provides consumers with quotes from all their partner insurance companies in one short and simple phone call. *ConsumerAffairs insurance program, powered by InsuraMatch.

Homeowners Insurance Quotes

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399 Farmers Homeowners Insurance Consumer Reviews

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Page 1 Reviews 1 - 10
Rated with 5 stars
Verified Reviewer
Original review: Nov. 30, 2018

First off... If you had a relative in any business it is only natural to try to help them by sending business their way. My son is the agent of my homeowner policy through Farmers Insurance. He has been an agent for 20 years and lives close by. He also has my auto and an umbrella to cover other details. He is available 24/7 and actually volunteered to drive over a weekend and help an elderly insured couple move from their home in the northern part of our state here in California. Just an example of Chad's commitment to his insured. Also, Farmers is a well known and very responsive insurance company and is competitive with all the big names.

But I am displeased that Farmers has slowly but surely taken away options from its agents that enable them to make more money. The upper management ranks have taken away some of the rights in order to keep more money for themselves. The older agents have been put under pressure to grow their insured at a rate that is highly difficult so they can't make goal assigned by the fat cats at home office.

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Rated with 5 stars
Verified Reviewer
Original review: Nov. 24, 2018

I own a home with a mortgage to pay and homeowners insurance is required but I would buy insurance with the mandate. My previous carrier raised my rates each and every period without explaining the reason. Even after calling my company, all I got was a lot nonsense and was not pleased so I changed. Farmers have plans to fit all my needs, fair rates, excellent customer service, great representative who takes time to answer all questions without rushing through the application process. He took lots of time to find the right policy for me and even offered comparisons between plans. The only thing I can think would improve my experience would be lower rates on insurance plans. I live on my Social Security income which is a joke so money is always tight. Lower rates for seniors would be a blessing.

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Rated with 4 stars
Verified Reviewer
Original review: Nov. 24, 2018

Farmers has a good service and are very reliable to work with. They offer the best prices and are closest to home. We trust them because we have been with them for a very long time. And we are not planning on changing insurances anytime soon. Very satisfied with this insurance. The other insurances were more expensive and they did not have good ratings. Their location is out of town too and their customer service is even slower. They didn't have the right policies we were looking for.

But Farmers needs to improve their customer service. The waiting times are too long. I would definitely upgrade their automated customer service so people don't have to sit on hold for a very long time. Also they need to hire better people. Sometimes they don't get all the information right and it ends up in resulting more work. They could also lower some of their policies so other people are able to afford it as well.

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2 people found this review helpful
Rated with 4 stars
Verified Reviewer
Original review: Nov. 13, 2018

Traveling in my vehicle can be scary if something happens and I have a claim. But with Farmers, I can always contact an agent with any questions I have regarding my policy especially if I'm traveling and I need an agent at my location. I can find an agency or use the mobile app at my convenience. I have a home out of state that can be a real headache for me if I need to travel to see the damage. My agent sets all that up for me. However, the price is a little higher than other insurance companies even without a claim and I can find cheaper. But I'm worried about when I in out of state. Will a cheaper insurance do the same job as Farmers helping if I need a rental car out of state or a claim? That's the best about Farmers. It's recognized everywhere And the 800 numbers are always working even when I can't contact my agent.

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Rated with 5 stars
Verified Reviewer
Original review: Nov. 9, 2018

I was doing research on other companies because the home insurance I had kept raising the price and taking away coverage. Farmers was a smarter deal. The other company didn’t seem to care anymore and we had been with them for 32 years. The agent said, “I don't care if you leave. I don't make any money off you anymore anyway.” Taken care of with Farmers. I like that I can call the 800 phone number any time for assistance. The agent and staff are nice and easy to work with. I like that we can pay our premium monthly payments. I like to pay with automated checking withdrawals. But I dislike all the mail that they send. I never know what I should save or can throw away. I would prefer emails. Only send mail with the insurance card. The insurance card should be laminated or a thicker paper used.

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Rated with 1 star
Verified Reviewer
Original review: Sept. 14, 2019

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.

Well time passed and my neighbor contacted me...laughing! He said Farmers contacted him and told him the claim will not be honored because there was no negligence on my part??!! And the only way they would pay is if I was negligent... Omg. He said that was the stupidest explanation he's ever heard! How would I when the washer hose would burst!! So...needless to say, make sure you find out about liability claims especially...exactly what and how everything is covered. We plan to sell soon and definitely won't be using Farmers

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Rated with 1 star
Verified Reviewer
Original review: July 23, 2019

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.

2 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 24, 2019

We have had our new home for almost 3 years. Over the winter we had our roof leak due to our very damming and it flooded one of our bedrooms and leaked through the floor. We called our Farmers Insurance rep right away and they send a woman over to check our roof. She did a thorough inspection and told us all the damage should be 100% covered due to the roof leaking. She said it was really bad and was going to do a report. Out of nowhere the report came back and said we had lichen on our roof and nothing will be covered. Which was completely false and the lady never even mentioned that. We had to fight again with them, they sent another woman over and she breezed through the inspection and NEVER EVEN CHECKED THE ROOF! She told us our house was fine even though we have a leak and now mold due to the leak.

They basically sent her here to appease us and she had no intention of even inspecting anything. Yet again the report came back that our roof is fine. WHAT A SCAM! I have no idea why we even have home insurance. They basically lied to us because they don’t want to pay for our roof to be fixed. Now we have to hire a lawyer to go after them for insurance fraud. This had been over months now and never resolved and now we have black mold because they refuse to fix our roof! Please save your money and home and go with another reputable insurance company that will not just take your money every month for no reason! P.S. Roof coverage is (SUPPOSEDLY) included in our insurance plan.

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6 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: May 22, 2019

We had experienced a flood in our upstairs bathroom that caused water damage to the living room ceiling below. Within days suddenly the living room ceiling completely collapsed, falling with such force that it broke our 3 inch thick hardwood coffee table in half. My 80 year-old mother-in-law escaped literally within 30 seconds of being crushed.

We called Farmers within hours of the disaster. It was the kind of unexpected catastrophe any homeowner could never imagine happening but would assume any reputable home insurance company would cover. We were in shock when Farmers did not respond to us despite 4 separate attempts to contact them as instructed in the policy over the phone, online, and via text.

When we finally got a representative on the phone four days later, we were in shock when he quickly told us Farmers did not cover homeowners when their ceilings fall in. It was the quintessential moment that every homeowner assumes they will never have to face because they trust that when they routinely pay their $1400 annual home insurance premium each year, they are secure knowing their home insurance company will not leave them stranded in the event of a major catastrophe.

We insisted he come to assess the damage before he gave us this type of pact response. We were again in shock when the representative came to our home, looked up at a 10 by 3 foot hole in our ceiling and a demolished hardwood coffee table, and flatly told us the damage was not covered because, he insisted, it only involved the ceiling moving, and not because of water damage from the upstairs bathroom. I have no idea how a homeowner could foresee or prevent this type of experience. Shame on Farmers for leaving homeowners stranded in the midst of a major home disaster.

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12 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: May 7, 2019

We had a house fire on Christmas Day 2018. It is now 07 May 2019 and they just now decided to extend the lease on the temporary housing until 31 Jul 2019. This is after I repeated told them construction has not started because they lowballed the repairs. The claims adjuster was in and out of my house in less than 2 hours. I was there the whole time talking to the fire investigator. This claims adjuster missed the floor joists to the second fire shrinking from 1.5 inches to 1 inch due to being burned. The claims adjuster stated in the scope of loss the floor joists can be cleaned and sealed.

I went and hired an architect and the architect said they are unstable and need to be replaced. On top of all this, because Farmers is dragging their feet, we ended up with extensive water damage and mold due to a water leak. We had the water turned off on 27 Dec 2018. All the documents Farmers had on their portal I have downloaded and printed out. Upon extensive review, they have many contradictions in their own documents. At this point, I am contacting attorneys to get the proper settlement for fix our home correctly.

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12 people found this review helpful
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Farmers expert review by Matthew Brodsky

Farmers is a large, national insurance provider. The company was founded in 1928 and has grown to provide insurance policies for automobile owners, homeowners and motorcycle owners.

  • Long-standing company: Farmers was started in 1928, meaning the company has a long legacy of offering excellent home insurance policies.

  • Great customer service: Farmers has developed a reputation for providing excellent, individualized customer service. They are ready to process a claim quickly 24 hours a day, 7 days a week.

  • Discounts: Farmers’ website offers customers advice about how they can get a discount on their premiums. These strategies include purchasing multiple policies from the company, asking customer service representatives about specific discounts online or via phone, agreeing to raise deductibles in exchange for lower premiums, and taking precautions to make homes safer.

  • Service: Rates and service vary, depending on where service and coverage is being provided in the large area that Farmers serves.

  • Rates: Farmers is known for increasing their rates from year to year, making their prices expensive compared to most of the market.

  • Best for: Traditional homeowners, condo owners, mobile home

Profile picture of Matthew Brodsky
Matthew Brodsky Insurance Contributing Editor

Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

Farmers Homeowners Insurance Company Information

Company Name:
Farmers
Website:
www.farmers.com
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