Farmers home insurance review 2025
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Edited by
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At a glance
Auto
3.8
Cost & ratings
3.5
Coverage
4.0
Support
4.0
Home
3.6
Cost & ratings
3.0
Coverage
4.3
Support
3.8
Life
4.4
Cost & ratings
4.0
Coverage
5.0
Support
4.0
About Bankrate Score
Bankrate's take
Policyholders who value customized car and home insurance and robust coverage options, like life, pet or commercial insurance, might consider Farmers as their company of choice.
- Offers pre-packaged and customizable home insurance through the Farmers Flex Personal Home program
- Includes coverage options like emergency mortgage assistance and extended replacement cost
- Average annual premium for Farmers is typically higher than the national average
- Received a below-average score of 676 in the 2025 J.D. Power U.S. Home Insurance Study (industry average: 682)
- NAIC data shows Farmers receives fewer home insurance complaints than expected for a company its size
New
In December 2024, Farmers Insurance shared that it would expand its coverage options in California — a move that reflects growing confidence in the state’s shifting insurance market. The company raised its cap on new homeowners insurance policies from 7,000 to 9,500 per month and began gradually reopening several paused offerings. These include coverage for condominiums, renters, umbrella policies, landlords, vacant properties and manufactured homes.
The timing is significant. In the wake of the 2025 California wildfires, many homeowners have struggled with inadequate coverage and mounting costs to rebuild. With insurance access under strain in high-risk areas, Farmers’ decision to reintroduce more products could give affected residents more options to secure the protection they need.
Farmers home insurance review
Our insurance editorial team took an in-depth look at Farmers home insurance and due in part to its higher-than-average home rates and lack of 24/7 customer service, the company homeowners Bankrate Score of 3.6 out of 5.0. While Farmers has several endorsement options available to tailor policies to homeowner needs, they tend to be priced higher than other insurance companies and are not available in every state.
Farmers offers standard coverages such as dwelling, personal property, and liability along with a variety of additional coverage types that cover specific types of damages.
You can add or change coverage through the Farmers Flex Personal Home program. The program's coverage options include extended replacement cost coverage and emergency mortgage assistance, which may cover up to three months’ worth of mortgage payments (up to $10,000) while your home is uninhabitable and being repaired after a claim.
Pros and cons of Farmers home insurance
Comparing home insurance quotes may be challenging, but a visual representation of a company’s benefits and drawbacks may provide some guidance.
Pros
- Pre-determined coverage packages may help streamline the policy purchasing process
- Ample endorsements and perks available
- Plenty of coverage options
Cons
- Higher-than-average premiums
- Scored below average in the 2025 J.D. Power Property Claims Satisfaction Study
- Not available in all states
Farmers home insurance cost
A homeowners insurance policy in 2025 with Farmers for $300K in dwelling coverage costs an average of $2,527 per year, according to Bankrate’s study of annual homeowners insurance premiums. This is much more than the average cost of homeowners insurance in the nation, which is $2,267 per year for the same level of coverage. Your actual rates may vary significantly depending on your location and several other individual rating factors, such as the age and size of the property, proximity to a local fire station, your claims history, credit-based insurance score, coverage limits, deductibles and qualifying discounts.
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$150K dwelling
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Farmers average premium
$1,472
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National average premium
$1,370
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$300K dwelling
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Farmers average premium
$2,527
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National average premium
$2,267
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$350K dwelling
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Farmers average premium
$2,874
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National average premium
$2,534
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$450K dwelling
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Farmers average premium
$3,626
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National average premium
$3,066
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$750K dwelling
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Farmers average premium
$5,654
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National average premium
$4,399
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Farmers customer satisfaction
Although cheap insurance is a priority for many, price might not be your only consideration when shopping for new coverage. Bankrate’s insurance editorial team understands that customer satisfaction may be top-of-mind for some, so we look to various third-party scores to evaluate this important metric.
One way we gauge an insurance company’s customer satisfaction is through studies conducted by J.D. Power. Each year, this rating company scores and ranks insurance companies in several subject areas, like overall customer satisfaction, claims satisfaction and digital experience satisfaction using a “best of” number on a 1,000-point rating scale. Financial stability is also a valuable consideration. AM Best analyzes financial strength and creditworthiness which is a strong indicator of a company's ability to honor outstanding claims.
Farmers homeowners claims satisfaction
In the 2025 J.D. Power U.S. Property Claims Satisfaction Study, Farmers earned a score of 676 out of 1,000, falling just below the industry average of 682. While the score suggests room for improvement, it's worth noting that many carriers saw declines in satisfaction likely due to rising claim volumes and inflation-related repair costs. Farmers’ score places it in the lower tier of national insurers for claims service, which could be a consideration for homeowners prioritizing a smooth, responsive claims experience.
Farmers home insurance customer complaints
How many customer complaints a homeowners insurance company receives is also a good indication of how customers feel about its service. The National Association of Insurance Commissioners (NAIC) produces an annual complaint index report assessing the frequency of complaints lodged against insurance companies. The index employs a baseline of 1.0. Scores below 1.0 indicate that a provider had fewer complaints than expected for a company its size and vice versa.
NAIC shows Farmers has been improving its complaint index over the past three years. This data could indicate that Farmers home insurance customers are happy with the home company’s service, but the J.D. Power study shows it may be lacking in other customer service areas. As such, you may find it helpful to speak with friends or family insured with Farmers to get a better feel for the policyholder experience.
Farmers home insurance discounts
Although Farmers may not be the cheapest homeowners insurance company, it does offer several discounts that could help decrease your premium, including:
- Rent to own discount: Renters who have a renters insurance policy for more than a year may get a discount when they buy a home and switch to Farmers homeowners insurance.
- New home discount: Farmers may automatically add this discount to your policy if your home is less than 14 years old.
- UL-approved roofing materials discount: Homes with roofs built with asphalt or fiberglass shingles that are approved by Underwriting Laboratories could qualify for savings.
- Green certifications discount: If your home is certified by Energy Star, LEED or the EPA, you could get a discount.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Farmers
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Compare Farmers with other insurers
After reading Farmers insurance reviews, you might not feel that Farmers is the best fit for your insurance needs. If so, you might want to consider requesting quotes from the companies below:
|
Featured
Farmers
3.6
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 3.0Coverage 4.3Support 3.8 |
The Hartford
3.9
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 3.4Coverage 4.3Support 4.3 |
Liberty Mutual
3.8
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 3.0Coverage 5.0Support 3.8 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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Policyholders who value customized car insurance and robust coverage options, like life or commercial insurance, might consider Farmers as their company of choice.
Read More
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Individuals who are 50 or older may find that The Hartford offers specialized policy options and discounts for their demographic. However, you must be a member of the American Association of Retired People (AARP) to be eligible.
Read More
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As the fifth-largest property and casualty insurer by market share, Liberty Mutual could be another option if you prefer a major national insurance company, especially if you reside in a state where Farmers does not offer your desired product type. Liberty Mutual also offers more advertised life insurance riders than Farmers.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Local agents available
Robust coverage options
Great customer reviews
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High overall customer satisfaction
Coverage add-ons available
For AARP members
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Offers coverage in Mexico
Numerous discounts available
Available in all 50 states
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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| $2,527 |
$2,037 |
No rates available |
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J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| 676/1000 |
725/1000 |
707/1000 |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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| A(Excellent) |
A+(Superior) |
A(Excellent) |
Why you can trust Bankrate
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Farmers Insurance a good insurance company?
Bankrate’s insurance editorial team includes licensed agents who are committed to helping you evaluate a homeowners insurance company on coverage offerings, price, availability and digital tools. We aim to use our real-world experience to bring you the information you may need to make an informed decision regarding your insurance policy.
Based on our assessment, Farmers insurance might be a good choice if you don’t mind spending a little extra for robust coverage options. With its wide array of insurance products, Farmers may also be best for shoppers who prefer to keep their policies with the same company. On the other hand, policyholders looking for the cheapest rates may want to look elsewhere, as Farmers tends to have higher-than-average premiums. Additionally, Farmers’ digital service has improved in recent years according to the 2024 J.D. Power U.S. Insurance Digital Experience Study. The best way to determine if Farmers is a good company for you may be to request a quote.
What are real-life customers saying about Farmers?
To offer a clearer view into the Farmers Insurance customer experience, we turned to user-submitted reviews on platforms like Trustpilot. These posts reflect a range of experiences, from frustration with claims handling to praise for helpful local agents. While not every review is representative, real-world feedback offers valuable perspective on how the company performs beyond marketing and ratings.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Farmers company details
- Customer service: 1-888-327-6335
- Sales: Find a local agent
- Claims: 1-800-435-7764
- Billing: Call customer service or pay online
- Website: farmers.com
- Customer service mailing address:
- 6301 Owensmouth Avenue
Woodland Hills, CA 91367 - Billing mailing address: P.O.Box 0991, Carol Stream, IL 60132-0991
State availability
Farmers has various products available in all 50 states and Washington D.C. However, it does not offer all products in all states. For auto and home, coverage is available in all states except Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, Washington, D.C. and West Virginia. South Carolina has Farmers auto insurance but home insurance is not available. Recently it has stopped writing auto and home policies in Florida and limiting home coverage in California. Farmers life insurance is not available in New York or Florida. Its website does not give a complete list of exactly where it is available.
Farmers tools and benefits
Home insurance isn’t the only kind of coverage that Farmers offers. The company also provides insurance policies and endorsements across several additional insurance products.
- Life Compass: Farmers’ Life Compass feature allows you to complete a short quiz to help you understand which life insurance products may suit you based on your goals and financial situation. From there, you can request a life insurance quote online or bring the results to a local Farmers agent if you have more questions.
- Home Leak Detection: Farmers homeowners policyholders concerned about water conservation may save 20 percent on Flume’s water-leak detection device. This monitoring system can be installed without a plumber and comes with a mobile app to help monitor your home’s water usage and alert you of any issues. Farmers home policyholders in Michigan or Minnesota who have a Flume device may receive an additional discount on their home policy.
- Pet insurance: Farmers has partnered with Pets Best to provide pet insurance. They offer two levels of coverage: Accident-Only and BestBenefit Accident and Illness. The latter also has the option to add wellness routine care.
- Landlord insurance: Landlords renting out their own property to tenants may have unique liability exposure that a standard homeowners insurance policy won’t cover. In most policies, this includes increased liability and wrongful eviction coverage.
- Commercial insurance: Farmers provides businesses with a wide array of coverages including property, liability, commercial auto, workers’ compensation, commercial umbrella and group life plans.
- Financial products: In addition to its life insurance policies, Farmers offers customers an opportunity to invest through mutual funds, IRAs, college savings plans and annuities.
Frequently asked questions about Farmers
Methodology
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
- Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
Bankrate Scores
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
