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.
| $150K dwelling | $1,458 | $1,442 |
| $300K dwelling | $2,528 | $2,408 |
| $350K dwelling | $2,931 | $2,724 |
| $450K dwelling | $3,749 | $3,357 |
| $750K dwelling | $6,143 | $5,237 |
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:
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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
- Claims: 1-800-435-7764
- 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.