Rating: 9.3 / 10 (Excellent)
8 Customer Reviews - see all comments
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California-based Farmers Insurance is an American insurance company that offers a variety of insurance coverages, including homeowners insurance. Founded in 1926, 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.

How is Farmers rated?


Financial Strength
Customer Experience
Pricing & Discounts

Overall Rating: 9.3 / 10 (Excellent)

As one of the largest and most well established homeowners insurance companies in the US, Farmers maintains very sound financial ratings across the board. It is also ranked highly by consumer watchdogs such as the BBB. The company offers various ways to communicate with them, either over the phone, their website or app, or in person through their extensive agent network. Given Farmers' track record and the many coverage options they can offered thanks to the considerable size of the business, Famers is a great choice for homeowners coverage.

Financial Strength

Financial Strength - 10 / 10

The company enjoys an A rating from Standard & Poor's and an A+ rating from AM Best. As one of the giants of the American insurance market, the company is indisputably on a sound financial footing. Furthermore, its considerable geographic reach suggests that local or regional disasters can be handled with ease.
Zurich Insurance
Marketshare 2016
Premiums Written 2016
Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating
*The above information reflects the financial strength of the underwriter of the Farmers home insurance policies: Zurich Insurance.

Customer Experience

Customer Experience - 9 / 10

Farmers is notable for how few consumer complaints are recorded against it, given its size and market share. The fact that the company has been in business for over a century also suggests that its customer base is highly stable.

National Association of Insurance Commissioners

NAIC Complaint Ratio 2016
NAIC Total Complaints 2016
*The NAIC complaint ratio (in this case 0.8) is a ratio of the number of complaints a company received to the its 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

BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Farmers Coverage

Coverage - 9 / 10

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 coverages are available for important, exceptionally valuable, and rare items. This coverage package is commensurate with what other large insurers offer.
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Additional Coverage
Scheduled Personal Property Coverage

Pricing & Discounts

Pricing & Discounts - 9 / 10

Broadly speaking, Farmers' insurance premiums are in line with those of the other major insurers. Specific premium prices may be higher or lower than its competitors in a given market or for a particular type of coverage.

Household Discounts

  • New Home
  • Remodeled Home
  • Home Safety Features

Policy Discounts

  • Multi-Policy
  • Higher Deductible
  • Claim-Free

Contact & Additional Information

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

Top Rated
9.5 / 10
  • A+ BBB with Over 100 Years of Experience
  • Homeowners, Condo, Renters or Umbrella Coverage
  • Coverage for your home, belongings & personal liability
  • There when you need it: Fast claims & 24/7 reporting
  • Bundle & Save with available multi-policy discounts
  • Get your quote today & learn how you can save up to 26%!

Latest Farmers Reviews

Gerald B
Walled Lake, Michigan

As having switched to Farmers two years ago for our home and cars, I find it to be great & inclusive, insurance & is especially good at "proper" condo home owner insurance.

Rita H
Ventura, California

What a joke. They are hands down the worst in coverage. We have been customers for over 28 years and found out the hard way that they do not cover much at all. They have barely paid us at all. We recently found out after filing claims due to the Thomas Fire. They basically are a running joke around here. Everyone I know that has them is planning on changing their insurance coverage due to the lack of coverage and repayment. STAY FAR AWAY UNLESS YOU WANT TO BE SCREWED......

Jason G
El Paso, Texas

I just tried to file a claim. I have been with farmers for 5 years. and yesterday my roof started leaking and I called to file a claim, they took all of my information and told me that if I have a warrantee from the people that did my roof just before I moved in it was their job to cover it, or I can go to Lowes and fix my roof myself. Talk about the worst service I have ever seen. They were rude, not helpful in the least and very disrespectful to my wife who was home when he stopped by. If you have this insurance drop it and find someone else.

Bellevue, Washington

I've been a client for 7 years then I purchase a new home. I insured this new house with them as I had no complaint so far and prices are indeed attractive. After about 3 months of being insured, they wrote me short before Xmas to tell me they dump me. Reason? My house is built on piers and supposedly they don't do that. They knew it, they had pictures of the ins and outs, the whole inspection report but it took 3 months and a giant fire in North Ca for them to consider I wouldn't be a profitable client to work with. Shame on them despite 7 years of continuous service. fter about 3 months

Jamarv j
Nashville, Tennessee

Farmers is a joke. We had a small hiuse fire. Jamie johnson the adjuster has under priced all of oir personals. Not to exclude half of our house hold comeing up missing with no explanation. This company could care less about its customers.

Amy J
Memphis, Tennessee

If you file a claim your insurance will skyrocket.

Logan, Utah

I have been with Farmers since 1969. They have had my car, house, boat, and motorcycle insurance. I moved to Utah 5 years ago and now have a new home covered, 2 cars, boat, and an atv. We just recently had heavy snow and sustained some water damage to the inside of our garage. They came out with a preconceived understanding that they were going to deny my claim. the adjuster spent 10 min at my house and rejected the claim. There was a tare in my flat room material that they said a contractor caused the issue. We have had no work done on the roof after solar was in stalled in October 2015. I talked with his boss and asked why we did not have a issue last year and it just showed up... Read More

Flower Mound, Texas

HORRIBLE administrative handling of both home and auto coverage. They played games with pricing of the auto coverage based on whose name was listed first on the policy even though my wife and I are covered on all vehicles in the same manner. The homeowner policy was paid in full up front and then they added on phantom charges with no explanation. And the last straw was when they added a $60 per month fee if we would not sign up for paperless billing. Given the inconsistent and ever changing pricing, billing, and terms of their coverage,we were not comfortable not having written documentation of any activity on our policies. After a month of back and forth with the local agent and... Read More