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Compare Farmers vs. Pemco Renters Insurance

What’s the difference between Farmers Renters Insurance and Pemco Renters Insurance? See how our editors compare the two companies below.
Last Updated: April 05, 2024
Farmers Renters Insurance
4.4 / 5 - Excellent
#4 in Renters Insurance
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Pemco Renters Insurance
4.4 / 5 - Excellent
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Key Facts

  • Quick online quotes with various coverage options
  • Multiple discounts options available 
  • Policies as low as $10 per month
  • Connect with a Farmers agent near you
  • Mobile app
  • Instantly get a quote online
  • Flexible pricing
  • 24/7 assistance
More Details >
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OVERALL RATINGS

 FarmersPemco
Coverage Options4.5/54.5/5
Add-Ons & Discounts4.5/54.0/5
Customer Service4.0/54.5/5
Financial Strength4.5/54.5/5

Coverage Compared

 FarmersPemco
Basic Coverage
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Optional Coverage
Identity Theft Restoration
Off-premises Event Coverage
Off-premises Event Coverage
Property Valuation Methods
Replacement Cost
Actual Cash Value
Replacement Cost
Actual Cash Value

Exclusions

Coverage Fine Print

Pricing & Discounts

 FarmersPemco
Annual Premium
Starting at $150
Deductible Options
$100 - $5000
Property-Level Discounts
Burglary Protected
Fire Protection
Sprinkler System
Burglary Protected
Fire Protection
Sprinkler System

Discounts Fine Print

Customer Experience

Customer Ratings

 FarmersPemco
TrustPilot Rating
5.6 out of 5
BBB Rating
A+
A+

National Association of Insurance Commissioners

 FarmersPemco
NAIC Complaint Ratio
0.54
0.0
NAIC Total Complaints
73
0
*The NAIC complaint ratio (in this case 0.54) 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.
*The NAIC complaint ratio (in this case 0.0) 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.

Financial Strength Ratings

 FarmersPemco
Underwriter
Farmers Insurance Exchange
PEMCO Mutual Insurance Co.
Standard & Poor's Financial Rating
A+
Moody's Financial Rating
A2
AM Best Financial Rating
A
B++
Company Type
Underwriter
Underwriter
*The above information reflects the financial strength of the underwriter of the Farmers renters insurance policies: Farmers Insurance Exchange.
*The above information reflects the financial strength of the underwriter of the Pemco renters insurance policies: PEMCO Mutual Insurance Co..

Contact & Additional Information

 FarmersPemco
Homepage URL
https://www.farmers.com
https://pemco.com
Company Phone
(800) 435-7764
(800) 467-3626
Headquarters Address
4680 Wilshire Blvd, Los Angeles, CA, 90010
1300 Dexter Ave North, Seattle, WA, 98109
Year Founded
1928
1949

Final Verdict

Farmers Renters Insurance and Pemco Renters Insurance are very close in quality and have the same overall rating. That said, Farmers scores better than Pemco across: Add-Ons & Discounts. Whereas, Pemco scores better on Customer Service. Both companies score similarly on Coverage Options, and Financial Strength.

Customer Comments & Reviews

Angelica H
6/6/2017
Pemco Renters Insurance review
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4.8 / 5 - Excellent
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