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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.
 
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Call: (800) 437-9485

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
https://www.farmers.com
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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J
Jamarv j
9/26/2017
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.

A
Amy J
2/26/2017
If you file a claim your insurance will skyrocket.

D
don
2/7/2017
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

N
nomofarmers
1/17/2017
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

Top Rated
Our Partner
  • 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 
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