Farmers Home Insurance Reviews

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.