State Farm vs Farmers
Farmers and State Farm have both received high financial strength ratings and are reliable insurers. Both companies offer similar coverage levels and types of coverage. However, Farmers's policies stand out with additional features. Farmers's policyholders can also benefit from discounts on certain ADT packages.
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Overview
State Farm
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Phone, Live Chat, Email, In-Person
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Farmers
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Phone, Live Chat, Email, In-Person
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Ratings
State Farm
Farmers
Reviews
State Farm
Reviews
Farmers
Reviews for State Farm
Helpful Favorable Review
Ronald Schaffer
September 28th, 2022
Schnecksville, PA
DETAILS
Review Source
Been dealing with most insurances offered by this company for a long time now. My father started the Home Owners Insurance . I am helping my mother take care and pay it off now that he passed away a few years back. Easy to use inexpensive isurance to keeping our home safe when It needs it.
Helpful Critical Review
Joe O
September 20th, 2022
Hoffman Estates, IL
DETAILS
Review Source
Had State Farm insurance from the age of 16 till into my mid-thirties for all insurance options. Attempted to make a claim 1x in those 15-20 years and they dropped me the very next day, with no refund nothing, and wouldn’t tell me why. Horrible customer service.
Reviews for Farmers
Helpful Favorable Review
Matthew Laney
September 15th, 2022
Chino, CA
DETAILS
Review Source
I currently have my home insured with Farmers. I have had excellent customer service with them. They are always very easy to contact and are solution oriented. Their premium is very reasonable. I plan on continuing to do business with Farmers Home Insurance.
Helpful Critical Review
Bob Abaya
July 28th, 2022
South San Francisco, CA
DETAILS
Review Source
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!!!
The Final Word
Whatever kind of home insurance you need, you're likely to find it at State Farm or Farmers. Whether you're covering a house, condo, or manufactured home, you'll find good options through either company.
From its website, State Farm makes the coverage it offers clear by offering examples of instances and things its policies cover and ones it does not. This early level of clarity prevents surprises and helps establish trust from the beginning.
Farmers home policies are categorized into three tiers, each offering a different level of coverage. This way of organizing policy options, makes it easier to balance coverage and cost.
Farmers also distinguishes itself from State Farm through its policy features that help policyholders save money. These features include Declining Deductibles®, a claims-free discount, claim forgiveness, and cosmetic damage coverage if related to covered structural damage. You can also add Farmers Identity Shield (SM) for identity theft and credit monitoring services. Farmers also offers a discount for buying multiple policies from the company.
Although State Farm's policies don't have the same features Farmers's policies do, it does offer discounts. These include a multi-line discount, home alert protection, and a roofing discount.
Farmers stands out further for its partnership with ADT. Farmers policyholders can benefit from discounts on certain ADT packages that will help protect their home.
Farmers is a good choice if you're looking for handy policy features and are considering a home security system. However, if you're interested in something more traditional, State Farm is a competitive choice.
