Farmers Home Insurance Reviews

The worst company ever!! I hired an agent in Carson City NV who made so many mistakes from day 1. First our home insurance was denied because Cecilia Orona said we didn’t live close to a fire dept. Found out they had our address wrong. Then she got our name wrong even though she took it from our driver’s license then the price kept changing. She told us that our roof would have to be inspected as they were our new company, and that the inspector would call me as I wanted to be there to let them into the yard. I tried setting up an appointment several times as no one ever called. I was then assured by Cecilia that she had come by the house and that there would be no problem getting insured.

I have had nothing but problems with Farmers. The way they handled my claim was horrible. The agents are the worst. Can't find one good one. They don't care about their customers. They make many mistakes and refuse to take any responsibility for their mistakes which falls back us customers of course. You have to battle with them about everything. They have no appreciation for their customers and when we really needed them during this pandemic they were no help and nasty and mean. It's all about them. Worst customer service ever. I have nothing good to say about them and they truly don't get it. Poorly run company. All about the money for them. Selfish. They hire the worst agents. They belong in the repo business. They don't get it. Never will.

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.

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.

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!!

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!!!

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.

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.

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.

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.

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!

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've had Farmer's homeowner's insurance for over 15 years for 2 homes. Recently I had an AC unit replaced and they left a crack in a pipe that leaked for 3 months before I discovered it. Farmer's has refused to cover any of the damage. They found a loophole in my coverage and exploited it. NO coverage after paying thousands of dollars for over 15 years. I could tell immediately from the tone in the woman's voice they were not going to help me. DON'T go with them. Yes, they may be cheaper but there's a reason for that. They have phrases and vague statements in their coverage that allows them to get out of doing anything at all for you. They are NOT in the business of protecting or supporting the homeowner.

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 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.

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.

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.

Farmers Insurance is a scamming company -- after being a good customer for 7 years at the end of the day, I found out that this con company only has their own pockets to line and could care less about my property. They will throw everything to get out of doing the right thing and doing what a reputable insurance company would do because they are heartless criminals. If you are insured with Farmers Insurance -- run & change insurance companies because you do not have coverage & if you do - they will lie and say it's your fault & you are on your own.

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.

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.

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 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.

On or about July 2, 2016 I called my agent Terry ** here in Saint Paul to inform him that I had some shingles on the ground and that a roofer had told me that I had hail/wind damage. A Farmer’s representative came to my residence and informed me that there was no damage, and therefore I had no claim. After repeated calls to Farmers on or about May 17th 2017 Farmers finally admitted that there was wind damage to the roof. Action was taken and payouts were made on two different occasions as one adjuster was replaced by another. The roof was replaced due to the inability to match the roof shingles, and the job was finished in late 2017, the final payment to me was made on Dec 26 2017.

My home flooded due to a backup in the common line. The HOA's insurance is Farmers. Since it was due to a common line issue, we had to go through HOA insurance. First off, they lowballed the amount - which is expected. They didn't account for higher prices given the local economy. They brought their own contractor, which seems shady. Then, they tried to force my HOA into using their contractor, which only has a 1-star review. It all seems highly illegal (I'm not a lawyer, but they are pushing the envelope with ethics). On top of all of it, the adjuster himself speaks down to me, strong arms my HOA contractor, speaks to me with no respect and is unwilling to negotiate, because he wants his contractor to do the work and he refuses to pay for another contractor. Avoid Farmers. Go with Homesite instead (my personal insurance).

Winter, 20F, heater not working, no electricity, power outage. Hotel rates in the area soaring to $500-600 per night. Asked for their special rate to accommodate family for 1 night. Farms opened a claim - first for 7 years on the policy, and with no any help did not close it. Next year premium raised 50% - called - "You have open claim, possible property damage". Tried to shot for insurance - ALL saying, "Your residence is listed as total loss, we can not insure it." Upper management even did not responded.

I was recently involved in an accident where I was injured as the passenger and the driver was at fault. This happened out of state for me. Jennifer ** was my agent and arranged the liability coverage for my claim. She was professional and courteous. Her knowledge of what I needed was excellent. The convenience of being able to get things done without having to come into an office after surgery was a plus. I highly recommend this company for your insurance needs. I can't express how pleased I am with Jennifer and all that she has done for me. Thanks for all you do!

I recently moved and at the same time changed my auto and home policies from State Farm to Farmers, because home policy was cheaper from Farmers. Spent an hour with the agent to do the paperwork. Within two months, was asked to submit other docs on both policies upon pain of cancellation or premium increase, both of which happened. This is after no claims with previous insurers going back to 1977. Went to GEICO online and did everything online in 15 minutes AND saved money besides. Do yourself a favor and use anyone but Farmers.

After 29 years of paying Farmers Insurance we had to make a claim on our home. We had a hail storm in South Dakota which left the siding of our house cosmetically damaged and exposed to the elements. It has taken Farmers 6 months to call out an engineer and deny the claim because the siding is now weathered. The claim was denied because the siding is weathered after the hail beat the finish off. The adjuster said since the siding is weathered and would not pay the claim because weather caused the damage and “That’s just the way the siding wears”. Hmm let’s see "weather” aka “hailstorm". Blasts a finish off a substrate leaving it exposed to “the weather”, but weather didn’t cause this? Last time I checked hail is weather!

I have family and friends with this insurance and they all love it. The policy was cheap and easy to obtain. The company is reliable. The customer care is excellent. They are very nice and they answer all of my questions easily and fast. It's easy to afford and I've never had an issue with the company. I don't plan on ever using another insurance company.

Farmers is competitively priced with the best coverage for the things that are important to me, which gives me the confidence that if something should go wrong that I am properly cover in that event. And generally they have knowledgeable and friendly customer service reps which are able to take care of most questions. They need better customer service at times though. Customers don't like to be treated as if they are bothering the rep. Some people should not be on the phone if they are having a bad day.

My agent is close by, he's fast, friendly and reliable on claims and quotes. Don't like doing business more than 100 miles away. I like that I have 30 day grace period. They have fair prices. But my deductible is too high sometimes. No hassles, or problems so far. I can call in claim any time of day 365 days a year hardly ever any questions asked. They will always cut me a check with no questions asked. They have competitive rates but they are raising my rates shortly after a claim, or even getting canceled. It difficult to find insurance in a timely manner especially when you need it. I don't like it when they raise my premium. Plus, the secretary is incompetent, or just plain lazy.

I chose this because it's been in my family all my life. So far it's been great for me. Their prices are really low and they always have. Everything they've done to get from their prices of the benefits of been great. Now if they went up on their prices I might just like them but they haven't went up on their prices out. So far they've been treating me well too.

Farmers was cheaper than our last plan and my husband is always looking to get a better rate. As far as I know certain things are covered and certain things are not covered. An example would be we need a new roof and unfortunately our home warranty is up and insurance only pays in certain cases. So we will have to figure out how we will pay for that. I wish it was more affordable and the insurance company would cover the cost of our roof to be fixed because it has a few leaks in it. But as far as I know we will have to pay for that fix out of our own pockets which really stinks.

We shopped around a lot and Farmers had the best prices, our agent suggested them over all the other ones because they found the price to be better. However, we found that many times when we call them, they have very bad customer service.

Farmers Homeowners Insurance is a good insurance company with good reputation. The monthly cost of the insurance is affordable. There is a budget discount package with this insurance policy. They do a good job fixing or remodeling the area in your house that was damaged. Everything will be new in my house fixing the whole house and new carpeting. However, it takes too long to fix everything. Just come in and take ownership of my possessions without asking a lot of different people running in and out of my house.

I chose Farmers because they have an office in my hometown. They are a great company to work with. I can go by anytime if I have questions or concerns about my policy. The employees are very knowledgeable about products sold. They help to find your best coverage with the lowest cost possible. However the price of the policies could always be improved.