Farmers home insurance review

Farmers offers an array of flexible homeowners insurance coverages at affordable rates, but they've earned below average marks in customer service.



Farmers is the fifth largest home insurer in the U.S. and one of the more recognizable brands on the market. The home and auto insurance behemoth claims to insure more than 10 million homes, speaking to their extensive network of agents (over 48,000 across all 50 states) as a big reason why.

Farmers is renowned for their personalized and flexible home insurance policy options, offering three tiers of coverage: an affordable option with standard coverage, a slightly more expensive but comprehensive option, and a higher cost option with the entire suite of coverage endorsements and enhanced coverage limits. Farmers also has a number of other specialty home insurance options—coverage for second homes, coverage for older and lower-value homes, and coverage for homeowners with credit problems and frequent claims history whose application may get rejected with other insurance companies.

Where Farmers slightly lags behind the rest is its customer service. Farmers has below-average customer service ratings with J.D. Power and poor reviews with the Better Business Bureau. Several reviewers cited poor communication, being inexplicably dropped from their policies, and inadequate claims handling for the poor reviews.


  • Agent availability in all 50 states
  • Multiple customizable coverage tiers
  • Excellent financial ratings


  • Below average customer satisfaction ratings
  • Limited discounts

Farmers by the numbers

Founded: 1928

Market share: 5.87%

A.M. Best rating: A

Better Business Bureau rating: A+

Consumer Reports: 83/100

J.D. Power: 3/5

What states is Farmers available in?

Farmers homeowners insurance is available in all 50 states and the District of Columbia.

Farmers homeowners insurance is available in all 50 states and the District of Columbia.


ArizonaNew Hampshire
ArkansasNew Jersey
CaliforniaNew Mexico
ColoradoNew York
ConnecticutNorth Carolina
DelawareNorth Dakota
IllinoisRhode Island
IndianaSouth Carolina
IowaSouth Dakota
MichiganWashington D.C.
MinnesotaWest Virginia

Policy details

How much does Farmers cost?

Homeowners insurance costs will vary based on where you live, your home type, how much coverage you need, your credit score, and a number of other factors. But all the same, Farmers Insurance offers one of the more competitively-priced basic homeowners insurance policies in the country.

Below is a sample quote for a 1,700-square-foot, single-family home in suburban New York City with a $1,000 policy deductible. The average annual premium came out to around $1,300 for a basic policy, or $108 a month. For comparison’s sake, the average home insurance premium in the U.S. is around $1,200 a year.

Primary coveragesPolicy limits
Other structures$47,800
Personal property$262,900
Personal liability$300,000
Medical payments for guests$1,000

Coverage tiers

Standard coverage



Farmers’ most affordable homeowners insurance package. Includes the six standard coverages and the ability to customize each coverage to your liking or add endorsements to your policy for an additional premium.

Enhanced coverage



Farmers’ middle coverage tier which, in the case of our sample property, costs around $130 more annually than standard coverage. Includes extended coverage limits and replacement cost coverage for your roof and personal property.

Premier coverage



Farmers’ most comprehensive coverage tier and around $400 more than their standard policy offering. It features increased coverage limits for specific items like jewelry and firearms, a number of coverage endorsements, and guaranteed replacement cost coverage for your home’s structure.

Additional coverages

  • Extended replacement cost coverage - Increases your dwelling coverage up to a specified percentage of your coverage limit in the event rebuild costs exceed your coverage
  • Home contents coverage - Repairs or replaces lost or damaged items without deducting for depreciation
  • Building ordinance or law coverage - Pays for any increases in construction costs if you need to move, rebuild or repair your home because of a building ordinance
  • Matching coverage - Replaces undamaged property with the same materials that are used to replace covered damaged property to create a uniform appearance with the repaired damaged property

Here’s how Farmers stacks up against the competition in terms of the most common coverage endorsement offerings:



Here are some (but not all) of the discounts offered by Farmers. Keep in mind that some discounts aren’t available in every state.

  • Multi-line discount - Save on premiums by insuring other types of property with Farmers
  • Claims free discount - Receive a discount if you’ve been claim-free for three or more years, and the claim-free years can carry over from other insurers
  • Declining deductibles - This isn’t as much a discount as it is a policy perk, but you can earn $50 toward your deductible for each year your policy remains active
  • Claim forgiveness - Similar to declining deductibles, Farmers claim forgiveness feature isn’t so much a deductible as a policy perk. With claim forgiveness, if you’ve been claim-free with Farmers for more than 5 years, your premium won’t go up as a result of your next claim

Company details

Application process

Farmers’ Insurance application process is remarkably fast and can be done mostly online. You simply plug in your ZIP code, provide basic information about yourself and your home, and Farmers instantly provides you with a quote for each of their three coverage tiers. Once you select a tier, you have the option to adjust your deductible amount and certain components of coverage. The entire process should take around 5 minutes.

Claims process

Farmers allows you to file and track claims online. From finding a vendor to repair your property to replacing personal items to getting emergency lodging, Farmers ensures their customers are taken care of. Farmers also has a helpful claims section on the company website that walks you through different claim scenarios—water damage claims, catastrophe claims, and just general property claims—and gives in-depth instructions on the actions you need to take to ensure a fast and effective process.

Other types of property insurance offered

Farmers Insurance offers several types of property insurance. If you’re looking to buy home insurance and you have other coverage needs, consider bundling insurances.

  • Car insurance - Protects your whip
  • Rental property insurance - Coverage for rental properties, landlords with rental homes with two or more units, and coverage if you’re renting out your condo
  • Renters insurance - Protection for stuff in your rental unit (and outside your rental unit)
  • Condo insurance - Protects your condo's structure, all your stuff inside, and any additional liability coverage you need to supplement your HOA's master policy
  • Flood insurance - Farmers offers flood insurance through the NFIP to protect your home and personal property from flood damage
  • Umbrella insurance - Increased liability coverage limits for your home and car
  • Business insurance - Insurance for your mom n’ pop shop
  • Motorcycle insurance - Insurance for your motorized bike
  • Motorhome insurance - Protection for your house on wheels
  • Recreational insurance - Coverage for boats, ATVs, camping trailers, snowmobiles, golf carts, trail bikes, dune buggies, minibikes, you name it

Digital tools

  • Farmers mobile app - You can pay your bill, get information about your policy, file claims, and much more
  • Extensive web resources and calculators
  • Web application
  • Web claims

Contact info

Phone: 1-888-327-6335
Headquarters: Woodland Hills, California

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s homeowners insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.