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Farmers Home Insurance Review

25 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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25 Customer Comments & Reviews

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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..


Carol D
3/22/2020
We live in rural area El Dorado county. We haa had Farmers home insurance since we built our home 10 years ago. A Farmers insurance person come out a years ago and because were so close to the river and other things they lowered our premium rate. We are beyond the policy's of the county on brush clearance. I even cleared the scotch broom from our neighbors adjoining property. Any changes made have been for the good. It seems wrong to cancel a policy without having a representative come out and explain their concerns and give us a chance to correct the issue. We had to call Farmers and they are sending a person out. There are 3 homes in a 1 mile drive leaving our home. Were not a... Read More


L
Lin A
8/14/2019
I have been with Farmers for 15yrs. I have never asked for a dime from them. I own two homes, one is my primary residence the other is a weekend home in the mountains in Southern California. I hae owned this home since 2008 and Farmers have insured it the enitre time. I just received a notice that they will no longer be insuring my home and I need to find insurance else where. I not only have 2 homes with Farmers and 5 cars. Guess what Farmers, I will be moving all my insurance needs.


D
Denf
6/26/2019
I have been with farmers for well over 40 years and have switched all my insurance needs else ware as farmers has rejected every homeowners claim I have ever made I moved my cars first and my homeowners last and will never recommend them to anyone for their insurance needs. If all you want to do is pay money and get rejected when you make a claim then farmers is the company for you.


Mary L
4/17/2019
They reject every claim . I would recommend doing your business elsewhere.


L
LAM
2/7/2019
I have been with Farmers Insurance for both my main homes since the 80's and a rental since the 90's. I have never had any claims on the rental and none on the main homes except for the last 8 yrs. Had a water leak around 2005 and the last 5 years my connecting neighbor had a burst pipe which came into my unit and was paid by her insurance; a leak from the Master Bath down thru the ceiling to the family room; and a toilet input water line connector in the guest bathroom which broke in the middle of the night unknown to us. They only paid for 1/2 the damage. Today I rec'd a notice they would not renew my policy. After 48 years as a client I feel this was so unfair. None of these... Read More


Geri J
12/14/2018
We have been snowbirds in FL for 15 years, vote in FL, cars insured in FL, home insured by Farmers. Never had to make a claim. Live in a newer gated community with good neighbors that keep a watchful eye. Just notified that they noticed a change of address (during the summer months, less than 4) due to our forwarding mail during this time. They have dropped us! Fear of water damage, even though we turn off our water source whenever we leave. They claim our policy is invalid if we are out of our home for more than 10 days...unbelievable! No vacations, either???? Unbelievable!! We were never told this before during our 15 years with them.


G
Gerald B
3/13/2018
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
2/2/2018
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......


J
Jason G
1/11/2018
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.



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Complete Range Of Coverage Options, Including Flood And Earthquake 

  • Get a quote, file a claim, and pay your bill online or on mobile app
  • Get personal service from a farmers agent
  • Wide range of discounts available