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Farmers

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5.5

Overall Score

LAST UPDATED: March 25th, 2024

Farmers Insurance offers a range of coverage levels for homeowners. Its policies also have features to help your save in addition to the many discounts it offers. 

It stands out for its partnership with ADT, a home security company, and its commitment to help clients and their communities recover from disaster.

Read Farmers Home Insurance Reviews

Farmers Insurance is a well-established insurer and offers other products, including life insurance, auto insurance, and renters insurance.

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The Good

  • High Financial Strength Ratings
  • 3 Customizable Packages
  • Nice Policy Perks
  • Many Opportunities to Save
  • ADT Home Security Partnership
  • Community and Disaster Support

High Financial Strength Ratings

Farmers Insurance has earned high financial strength ratings from A.M. Best. These ratings indicate how likely an insurance company is to be able to meet claims obligations.

High ratings indicate a high likelihood of being able to make claims payments. 

Before you purchase insurance coverage, you need to make sure that the insurance provider has earned high ratings. Farmers Insurance's high ratings make its coverage options worth considering.

3 Customizable Packages

Farmers Smart Plan Home® policies come in three types: Standard, Enhanced, and Premier. General information about each coverage option is limited.

Standard coverage focuses on covering the essentials at an affordable price. The Enhanced package offers higher policy limits. The Premier package offers the highest limits.

While you may be able to find similar coverage levels at other companies, Farmers's organization of its policies makes it easier to understand what kind of coverage you're starting with before you customize your insurance policy.

Nice Policy Perks

Farmers's home insurance policies include some nice perks. The two that stand out the most are claim forgiveness and cosmetic damage coverage. If you haven't made a claim for five consecutive years, your premium won't increase the first time you make a claim.

If you file a claim for functional damage that also caused cosmetic damage, Farmers will cover costs to repair the cosmetic damage as well.

Farmers also offers Declining Deductibles®, $50 off of your deductible each year you keep your policy, and a Claims Free Discount® if you haven't filed a claim for three consecutive years.

These home insurance product features help you save money and protect your house.

Many Opportunities to Save

Farmers offers many discounts on its home insurance policies. You can receive discounts for having a smoke-free home, certain home security systems or features, buying multiple policies from Farmers, and discounts based on your career (teacher, police officer, firefighter, military, doctor, nurse, engineer, etc.).

These discounts can make meeting your insurance needs more affordable.

ADT Home Security Partnership

Farmers and ADT home security have a partnership. If you purchase ADT Command or LifeShield through Farmers, you can benefit from discounted rates while you secure your home.

This partnership and discount opportunity is another way Farmers distinguishes itself from others in the home insurance industry.

Community and Disaster Support

Farmers is committed to helping its clients and their communities recover from disasters. In major disasters, it dispatches a Catastrophe Response Team in a Mobile Claims Center bus to process claims quickly for clients in the area. This level of service makes Farmers a great choice.

Farmers also has partnerships with several nonprofits that help with recovery including Operation BBQ Relief and National First Responders Fund. This dedication to helping communities and clients through recovery is a great benefit of working with Farmers.

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The Bad

  • Limited Customer Insight
  • Premier Package Not Available in California

Limited Customer Insight

Farmers has a small number of customer reviews on BestCompany.com. 

Even though there are a limited number of reviews, most of the reviews are positive. 

Although not conclusive, this high proportion of positive reviews is a good sign because it indicates that Farmers offers quality home insurance and takes care of its clients.

Premier Package Not Available in California

The Premier package, which has the highest limits and coverage on personal property, is not available to California residents.

If you're in California and want this level of coverage, you'll need to look for another insurance company.

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The Bottom Line

While minimal customer insight is available for Farmers Insurance, the insight available shows that Farmers offers good coverage and service to its clients. You'll also benefit from working with an insurer that partners with organizations assisting communities with disaster recovery.

Customers will appreciate policy features and discounts that help them save on claims and monthly premiums. If you want to secure your home further, you can save on two different ADT home security packages because of Farmers's partnership with ADT. Farmers is a recommended insurance provider.

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Star Rating

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4.2

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93 Reviews

Review Breakdown

5 grade

66%

4 grade

14%

3 grade

13%

2 grade

2%

1 grade

5%

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Joseph Mada Las Vegas, NV

Covers nothing. Doesn’t cover mold had to pay 15k out of pocket. If anything breaks they will come for $70 fix it and if it breaks next wk you will pay another $70. They will never actually replace the item. I’ve had them fix things that break the next month or two again and they charged me again. Would have saved more money just replacing it myself with a new one.

1 year ago

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Maya My McDonough, GA

They wanted me to increase my deductible by almost 2K just to be able to save less than 10% in comparison to my current costs. When I did the math, it would cost me more to use them, so I decided not to switch.

8 months ago

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Leonard Thompson Show Low, AZ

This company is so awful I wouldn’t even give them one star. By far this is the worst insurance company I have ever dealt with. They are lazy, don’t listen to changes, and make things more difficult then things need to be. We saved over $300 by switching to another insurance company.

3 years ago

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Bob Abaya South San Francisco, CA

I tried this insurance company because a family friend was an agent. I left because while I never made a claim, I made several inquiries about coverage and they canceled me for making too many inquiries!!!

1 year ago

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Amber Thompson Show Low, AZ

Farmers insurance in Snowflake, AZ is unprofessional, the worst listeners, and a horrible company.

3 years ago