The bottom line
Farmers home insurance is a good option for homeowners looking for a robust lineup of coverage add-ons at a decent price to ensure your home, belongings, and personal liability are fully protected.
It offers guaranteed replacement cost coverage, meaning it’ll pay to fully rebuild your home regardless if the cost exceeds your policy limit; water backup coverage; and a personal articles floater to increase the coverage limits on your high-priced valuables. It also offers flood insurance through the National Flood Insurance Program (NFIP) along with earthquake coverage.
Farmers home insurance rates are on-par with the national average at $1,845 per year — plus it offers over a dozen discounts to help you save even more money on your rates.
12+ discounts to save on rates
Extended and guaranteed replacement cost for your home
Shave $50 off your deductible each year you’re with Farmers
Basic coverages offered
Farmers home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:
Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.
Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.
Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.
Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.
Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.
Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.
Additional coverages offered
The following coverages are either included or can be added to your Farmers homeowners insurance policy for an additional cost:
Guaranteed replacement cost for your home: Pays the full cost to replace or rebuild your home after a covered loss — regardless of the cost.
Extended replacement cost for your home: Extends your dwelling coverage limit anywhere from 10% to 50% — in the event rebuild costs exceed your policy limit after a covered loss.
Replacement cost for personal property: Pays to replace your personal belongings with new items, regardless of depreciation or wear and tear.
Water backup: Protects your home and belongings from water damage caused by a sump pump overflowing or clogged sewer.
Ordinance or law: Pays the extra cost of getting your home up to code after a covered loss.
Debris removal: Covers the cost to remove debris after a disaster.
Landscaping: Pays to replace plants, shrubs, and trees — up to $750 per item — after a covered loss.
Fire department service charge: Reimburses you for service charges up to $750 if the fire department is called to your home.
Identity fraud: If your identity is stolen, Farmers offers up to $30,000 to cover the cost of legal fees, lost wages, and other expenses you incur during the recovery process.
Arson, burglary, or vandalism reward: Pays between $500 and $5,000 in reward money depending on the type of malicious activity to find the perpetrators.
Lock and key replacement: Covers up to $500 to replace locks and keys, with no deductible required.
Personal articles floater: Offers increased coverage limits for specific valuables, like fine art and jewelry.
Personal umbrella insurance: Provides additional liability protection for expensive medical or legal bills you’re found legally responsible for — up to $10 million.
Flood insurance: Covers your home against flooding with a policy through the National Flood Insurance Program (NFIP), a government program run by the Federal Emergency Management Agency (FEMA).
Earthquake insurance: Covers your home and belongings against earthquake damage.
Mobile home insurance: Insures your manufactured or mobile home with the standard coverages listed in the above section.
Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.
Second home insurance: Protect your vacation home and personal belongings against fire, theft, hail, windstorms, and other covered perils.
Landlord insurance: Covers your rental property against fire, windstorms, and other covered perils. It also includes loss-of-rent coverage if your rental property becomes uninhabitable after a covered loss, as well as liability coverage if a tenant or visitor is hurt on your property and files a lawsuit.
Vacant home insurance: Covers your home that’s vacant against theft, fire, weather damage, and other covered perils.
Farmers scores well on the price rating scale thanks to its average annual home insurance rate of $1,845 that’s right on par with the national average. It also offers over a dozen discounts to cut down your rates even more.
Farmers earned the third-highest score in J.D. Power’s 2022 claims satisfaction study, though it came in below-average on J.D. Power’s overall customer satisfaction and digital experience surveys. But Farmers makes up for it on our customer experience rating scale thanks to the National Association of Insurance Commissioners (NAIC) National Complaint Index Report — it earned around 30% fewer complaints than other home insurance companies of its size in 2021.
Farmers earns a perfect score on our coverage options rating scale thanks to its wealth of policy add-ons, including guaranteed and extended replacement cost for your home, personal articles floater for your valuables, water backup coverage, flood and earthquake insurance, and more.
Farmers earns a respectable A rating with AM Best, meaning it’s in a good financial position to pay out claims in the wake of a disaster. However, its average A+ rating with Standard & Poor’s and A1 rating from Moody’s brings its financial strength score down slightly.
How much does Farmers home insurance cost?
The average cost of home insurance with Farmers is $1,845 per year for a policy with $300,000 in dwelling coverage. This is on par with the national average of $1,899 per year.
Dwelling coverage limit
Average annual cost
Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.
What discounts does Farmers offer?
You can save on the cost of Farmers home insurance if you qualify for any of these discounts:
Affinity: If you’re a member, employee, or retiree of an eligible business or professional association.
Multi-policy: If you bundle your Farmers home insurance policy with a Farmers auto, life, umbrella, small business, or specialty insurance policy.
E-policy: If you sign up for an e-policy with paperless terms and conditions.
Roofing: If your roof uses asphalt or fiberglass shingles approved by Underwriters Laboratories (UL) through one of its fire resistance tests.
New home: If your home is less than 14 years old.
Protective devices: If you have a fire alarm, security system, or internal sprinklers.
Home safety: If your windows, walls, roof, or foundation are fortified against natural disasters, or you have automatic gas or water shutoffs.
Green home: If your home has Energy Star, LEED, or EPA certifications.
Claims-free: If you haven’t filed a home insurance claim for three consecutive years.
Connected home: If you have a smart home system that allows for remote monitoring and control.
Rent to own: If you had Farmers renters insurance for over a year and then buy a house and switch to a Farmers home insurance policy.
Preferred payment or EFT: If you pay your home insurance premiums in full, biannually, or sign up for a monthly payment plan with automatic payments.
Good payer: If you pay your bill on time.
Farmers also has a few state-specific home insurance discounts you might qualify for:
Earthquake multi-policy: Available to California homeowners who bundle their Farmers home insurance policy with an earthquake policy from the California Earthquake Authority.
Retirement community: Available to Arizona homeowners who live in a retirement community.
HOA gated community: Available to Nevada homeowners who live in a gated community with a homeowner’s association.
Fortified home: Available to Alabama homeowners who have a fortified home with extra protection against natural disasters and extreme weather events.
Other Farmers home insurance perks include:
Declining deductibles: Earn $50 toward your home deductible each year you have a home insurance policy with Farmers.
Claim forgiveness: Once you’ve gone five years without filing a claim, Farmers won’t raise your rate after that if you end up filing one.
Farmers home insurance state availability
Farmers offers home insurance policies in 41 states:
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.
What to expect with Farmers home insurance
How to get a quote: You can get a Farmers home insurance quote online, by visiting a local Farmers agent, or by calling 888-327-6335.
Customer service options: You can get in touch with a Farmers customer service rep by calling 888-327-6335 or logging in to your online account.
How to file a claim: You can file a Farmers home insurance claim by logging in to your online account, through the Farmers mobile app, or by calling 800-435-7764.
How to cancel your policy: You can cancel your Farmers home insurance policy by calling your Farmers agent directly (their contact info should be on your policy declarations page), texting 855-922-3025, or calling its customer service line at 888-327-6335.
Farmers vs. other home insurance companies
Compare Farmers home insurance to other popular insurers in the industry:
Frequently asked questions
What is Farmers’ home insurance phone number?
Farmers’ home insurance phone numbers are 888-327-6335 for customer service, 888-327-6335 for quotes, and 800-435-7764 for filing a claim.
Does Farmers offer mobile home insurance?
Farmers offers mobile home insurance, which comes with dwelling, personal property, and personal liability coverages.
Does Farmers insurance have a good reputation?
Farmers has a good reputation thanks to its excellent A rating from AM Best, which shows it has strong financial stability to pay out claims. It also received 30% fewer customer complaints than other home insurance companies of its size in 2021.