How do you file a claim with Farmers?

It’s fairly easy to file a claim with Farmers, which can be beneficial when filing a claim can be a stressful experience. You can file a claim with Farmers by: Calling 1-800-435-7764, or 1-877-732-5266 for Spanish speakers Reporting the claim on the company’s online claims portal Filing the claim through the mobile app Make sure you have your policy number and any other pertinent information when you file your claim. It’s a good idea to have the contact information for any witnesses, as well as pictures of the damage. You’ll also want to be prepared to answer some basic questions about what occurred.

Does Farmers have a corporate sustainability program?

Farmers has made an effort to make social responsibility a core part of its culture, and this goes for both employees and the wider community. The Farmers Family Fund was established in 2012 to help Farmers employees experiencing financial hardship, and has since provided nearly $2.5 million in grants. The company also encourages diversity and inclusion efforts, including sponsoring employee groups for a wide range of identities, backgrounds and ethnicities. Outside of the company, Farmers focuses its efforts on supporting communities that have been impacted by natural disasters. Each of the four nonprofits that Farmers has partnered with — SBP, Team Rubicon, Operation BBQ Relief and National First Responders Fund — share a purpose in responding quickly to communities affected by catastrophes. Farmers also often organize giving campaigns and match employee donations to these efforts.

Why did Farmers stop writing insurance in some states?

Farmers stopped offering its Farmers-branded auto, home and umbrella policies in Florida and is limiting the quantity and location of new home policies it offers in California. Both states experience a high risk of loss due to extreme weather and natural disasters, such as hurricanes and wildfires. Due to higher rebuilding costs (cumulative 55 percent increase since 2019, according to the Insurance Information Institute) driven by escalating costs of construction materials and labor, many property insurers have started to limit their risk exposure in areas of the country prone to catastrophic loss.

Can I pay for all of my Farmers policies at once?

Farmers policies that share billing account numbers can be paid simultaneously online. If your policies have different billing numbers, you must make separate payments. Farmers may be able to combine multiple policies under the same account number, so reach out to your local agent for assistance.

Farmers home insurance review 2024

Written by

Edited by

Reviewed by

Edited by

Reviewed by

Updated Nov 26, 2024

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict ,this post may contain references to products from our partners. Here's an explanation of .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

3.6

Bankrate Score

Score breakdown

Home

3.6

Cost & ratings

3.0

Coverage

4.3

Support

3.8

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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.

Who Farmers may be good for: Since Farmers offers online options that allow customers to view their policy, make payments and process changes, it may be a good option for policyholders who like the flexibility of directly working with an agent when they need it and handling things themselves when they don't.

Who Farmers may not be good for: Farmers may not be a good choice for policyholders who's main priority is customer service and affordability. It has lower-than-average customer satisfaction rates and tends to have higher-than-average policy premiums for home policies.

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.

Answer a few questions to see personalized rates from top carriers

New

What’s new with Farmers?

Farmers announced in fall 2023 it would begin a voluntary withdrawal of its Farmers-branded personal lines business (home, auto, umbrella sold through Farmers captive agents) beginning with February 2024 renewals. This impacts about 30 percent of the company's Florida business, but 70 percent remains in place through numerous Farmers subsidiaries represented by independent agents. Farmers is also limiting the amount of new home insurance policies it writes in California. This is part of the company's national strategy to limit risk exposure due to losses incurred from weather/climate disasters and rising replacement costs.

Farmers home insurance

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 2023 J.D. Power Insurance Digital Experience Study for service
Not available in all states

Farmers home insurance cost

A homeowners insurance policy with Farmers for $300K in dwelling coverage costs an average of $2,672 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 $2,304 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.


$150K dwelling	Farmers average premium $1,569	National average premium $1,406
$300K dwelling	Farmers average premium $2,672	National average premium $2,304
$350K dwelling	Farmers average premium $3,058	National average premium $2,571
$450K dwelling	Farmers average premium $3,857	National average premium $3,118
$750K dwelling	Farmers average premium $5,877	National average premium $4,549

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.

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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 Rating: 3.6 stars out of 5 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 Rating: 3 stars out of 5 3.0 Coverage Rating: 4.3 stars out of 5 4.3 Support Rating: 3.8 stars out of 5 3.8 Read Review	The Hartford Rating: 3.8 stars out of 5 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 Rating: 3.3 stars out of 5 3.3 Coverage Rating: 4.3 stars out of 5 4.3 Support Rating: 4.3 stars out of 5 4.3 Read Review	Liberty Mutual Rating: 3.3 stars out of 5 3.3 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 Rating: 2.2 stars out of 5 2.2 Coverage Rating: 5 stars out of 5 5.0 Support Rating: 3.8 stars out of 5 3.8 Read Review
OVERVIEW Bankrate identified key carrier features, coverage offerings, discounts and more
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	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	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
STANDOUT FEATURES These features are some of the carrier’s most impressive
Local agents available Robust coverage options Great customer reviews	High overall customer satisfaction Coverage add-ons available For AARP members	Offers coverage in Mexico Numerous discounts available Available in all 50 states
AVG HOME RATE Average national annual cost of a home insurance policy with $300K in dwelling coverage
$2,672	$2,075	No rates available
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
883/1000	864/1000	869/1000
AM BEST RATING AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
A(Excellent)	A+(Superior)	A(Excellent)

Is Farmers Insurance a good homeowners 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 may be lacking, according to the 2023 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.

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 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 reports receiving fewer complaints than average regarding Farmers' home insurance over the past three years. Paired with the J.D. Power study, this data could indicate that Farmers home insurance customers are happy with the home company’s claims service, but 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.

Other 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

It’s fairly easy to file a claim with Farmers, which can be beneficial when filing a claim can be a stressful experience. You can file a claim with Farmers by:
- Calling 1-800-435-7764, or 1-877-732-5266 for Spanish speakers
- Reporting the claim on the company’s online claims portal
- Filing the claim through the mobile app
Make sure you have your policy number and any other pertinent information when you file your claim. It’s a good idea to have the contact information for any witnesses, as well as pictures of the damage. You’ll also want to be prepared to answer some basic questions about what occurred.
Farmers has made an effort to make social responsibility a core part of its culture, and this goes for both employees and the wider community. The Farmers Family Fund was established in 2012 to help Farmers employees experiencing financial hardship, and has since provided nearly $2.5 million in grants. The company also encourages diversity and inclusion efforts, including sponsoring employee groups for a wide range of identities, backgrounds and ethnicities.

Outside of the company, Farmers focuses its efforts on supporting communities that have been impacted by natural disasters. Each of the four nonprofits that Farmers has partnered with — SBP, Team Rubicon, Operation BBQ Relief and National First Responders Fund — share a purpose in responding quickly to communities affected by catastrophes. Farmers also often organize giving campaigns and match employee donations to these efforts.
Farmers stopped offering its Farmers-branded auto, home and umbrella policies in Florida and is limiting the quantity and location of new home policies it offers in California. Both states experience a high risk of loss due to extreme weather and natural disasters, such as hurricanes and wildfires. Due to higher rebuilding costs (cumulative 55 percent increase since 2019, according to the Insurance Information Institute) driven by escalating costs of construction materials and labor, many property insurers have started to limit their risk exposure in areas of the country prone to catastrophic loss.
Farmers policies that share billing account numbers can be paid simultaneously online. If your policies have different billing numbers, you must make separate payments. Farmers may be able to combine multiple policies under the same account number, so reach out to your local agent for assistance.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Bankrate utilizes Quadrant Information Services to analyze November 2024 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 levels:

40 year old

Married male and female homeowners

2016 build year

Primary home

Good credit score

Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000

The 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.

Additional profiles:

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 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

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.

Overall Score

Cost & ratings 50%
Coverage & savings 30%
Support 20%

Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 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 NAIC, were analyzed.
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 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.