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Farmers Home Insurance Review

24 Customer Comments & Reviews - see all comments
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Founded in 1926, Farmers Insurance is an American insurance company that offers a variety of insurance policies, including homeowners, renters, auto, and life insurance. The company has solid financials, a large agent network, and a relatively low instance of consumer complaints. It offers the standard mix of homeowners insurance coverages together with various optional protections. Farmers Insurance is located in Woodland Hills, California.

How is Farmers rated?

Breakdown

4.5/5
Coverage Options
4.8/5
Pricing and Discounts
4.8/5
Customer Service
4.5/5
Financial Strength
4.8/5
Add-On Coverages

Overall Rating: 4.7 / 5 (Excellent)

Farmers offers a wide range of customized home insurance plans for owners of traditional homes, condos, and mobile homes. The company is one of the largest and most well established homeowners insurance companies in the US and maintains very sound financial ratings across the board. Farmers is also ranked highly by consumer watchdogs such as the BBB.

Farmers has been a leader in the insurance market for decades but offers customers all the modern conveniences of the digital age. In addition to communicating with the company by phone and through its extensive network of licensed agents, you can also do business with the company via its website and mobile app.

For variety of coverage, financial reliability, and convenience, Farmers earns high marks. We recommend you put the company on your shortlist of homeowners insurance companies to consult when shopping for a policy.

Financial Strength

Financial Strength - 4.5 / 5

Farmers currently serves more than 10 million customers with over 19 million policies in place. The company has been in business for just shy of a hundred years. Its stability is witnessed by the ratings it receives from financial organizations that assess insurance companies' financial strength. Farmers enjoys an A rating from Standard & Poor's and an A rating from AM Best.
Underwriter
Zurich Insurance
Marketshare
2.92%
Standard & Poor's Financial Rating
A
Moody's Financial Rating
A2
AM Best Financial Rating
A
*The above information reflects the financial strength of the underwriter of the Farmers home insurance policies: Zurich Insurance.

Customer Experience

Customer Service - 4.8 / 5

Considering how long Farmers has been in business and how many customers they currently serve, it's safe to assume that the company is doing something right. Insurance companies often incur the wrath of customers and are regularly lambasted on consumer rating sites. While Farmers has been on the receiving end of many such complaints, the company responds and tries to resolve them. For that, Farmers earns an A+ rating from the BBB. Farmers receives 2.7 out of 5 stars on Trustpilot.

Farmers operates through a very large network of licensed agents. The quality of service you receive may well depend on which agent you choose to do business with. But Farmers has the infrastructure in place to make working with the company at the corporate level simple and convenient. You can request a quote, file a claim, and pay your bill online or via the company's mobile app.

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.33
NAIC Total Complaints
183
*The NAIC complaint ratio (in this case 0.33) is a ratio of the number of complaints a company received to the total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

Trust Pilot Rating
2.7 out of 5
BBB Rating
A+
Number of BBB Neutral Reviews
0
Date Collected
2020-11-20

Farmers Coverage

Coverage Options - 4.5 / 5

Farmers' standard homeowners policies cover damage to an insured homeowner's property and possessions, any liabilities incurred by the policyholder, medical payments for people injured on the property, and/or additional living expenses for up to 24 months if the insured property is rendered uninhabitable.

Other optional coverage (known as endorsements or riders) are available for important, exceptionally valuable, and rare items. The company also offers optional flood insurance, which may be very important depending on your location.

Customers can further personalize their home insurance policies and find one that meets their budget criteria by selecting from a range of deductibles and coverage limits.
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Additional Living Expense Coverage
Additional Coverage
Scheduled Personal Property Coverage

Pricing & Discounts

Pricing and Discounts - 4.8 / 5

As a Farmers customer, you can file a claim and track its progress online at farmers.com or via the company's mobile app. That being said, many homeowners prefer to file insurance claims by calling their agents. Insurance policies are complicated. Questions can arise from the outset of the filing process. Consumers often don't remember the details of the policy they purchased when it comes time to file a claim. Farmers gives you the flexbility to choose the method of filing that suits you best.

Household Discounts

  • New Home
  • Remodeled Home
  • Home Safety Features

Policy Discounts

  • Multi-Policy
  • Higher Deductible
  • Automatic Payment
  • Claim-Free

Contact & Additional Information

Homepage URL
Company Phone
(800) 493-4917
Headquarters Address
4680 Wilshire Blvd, Los Angeles, CA, 90010
Year Founded
1928

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24 Customer Comments & Reviews

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Katherine W
3/14/2024
In my entire adult life, I have never been cancelled by my homeowners or renters' insurance companies. It is too bad that Farmers feels they need to move away from California, but no matter what, there is a population that needs insurance and what a nasty way to walk away from us because they don't want to pay out losses anymore. When you think of how long Farmers has been in the business, that's just too bad. They have received billions of dollars from their customers over these years and to walk away is really the nastiest way to end relationships. Especially when ZURICH is their underwriter. Billions of dollars in their pockets and they want to walk out on their customers in... Read More


B
Bella E
8/30/2023
Farmers Insurance is absolutely the most dishonest deceitful company I have ever dealt with. I have been with them well over 30 years. In the beginning and for many years after I recommended them to everyone. In 2017 they stopped allowing independent agents and started using dedicated agents and their service went downhill quickly. We have had issues with our policy every year since and the agent we were given proved to be totally incompetent. Once they charged our escrow a yearly premium every 2 weeks - They were quick to take the money - VERY slow to return it. They also insisted we have new flashing put on our roof even though we had 2 home improvement people inspect and say it was not... Read More


dterry58
9/9/2021
I’ve had Met Life since before hurricane Katrina, even though I had mostly flood damage I still received assistance from them in 2005. It suddenly 2021 and Met Life is now Farmers. My recent experience with them in dealing with hurricane Ida has me saying “if it wasn’t for bad luck i'd have no luck at all”. To say they suck would be a compliment.


F
FC
8/11/2021
Realized I'm paying too much money to Farmers so they could deny my claim for ridiculous reasons. You think you're covered, and you're not. Forget Farmers; done with them.


johbur2185
8/5/2021
I moved to Farmers after getting frustrated with State Farm. Farmers is no better. For glass and towing on my auto, they were fine. For coming out to my house for storm damage the first time in I've had an issue with the roof, they denied and called it regular wear and tear and denied all damage claims. I'm moving on to someone else.


B
Bill
8/1/2021
I deal with hundreds of claims a year. Being on the other side of claims I see what insurance companies are good and which ones are not. Farmers is by far the best home policy and I would recommend to everyone I know!


J
John-Paul
7/19/2021
As a veteran I've used USAA for my auto and home coverage in my 34 years with USAA. I've found USAA to be very responsive, fair, and reasonable insurance company when it came to claims service. Now retired and on a fixed income, I decided to shop insurance. In short, I kept my auto insurance with USAA and went with Farmers for homeowners' coverage. Farmer was about 40% lower in annual premium over that of USAA and I felt they were a respectable company, so they should be okay. That was a big mistake and bad assumption on my part. A clear case of "you get what you pay for". In my first year with Farmers I filed a claim for damage to my roof caused by ice-damming, which resulted in... Read More


D
Discontent C
3/2/2021
Really self serving and not customer friendly. They miscalculated and double billed after cancelling. A fiasco I do not recommend. Pros were the initial price. Cons everything else.


jazday025
8/6/2020
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.


cheeksusan2
4/25/2020
Your claims leaves one lost. OK you send a claim number. Then I guess one guesses.. is this covered??? how about that???? and it is silence.. then a vendor paid by you to walk around, make a false claim and deny claim. 03 Firestorm at least covered something.. some items. But keep guessing on anything else..



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  • Complete range of coverage options, including flood and earthquake 
  • Customize a policy to suit your needs and budget
  • Get a quote, file a claim, and pay your bill online
  • Get personal service from a farmers agent
  • Wide range of discounts available
  • Convenient, time-saving mobile app