Farmers Home Insurance Reviews

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.