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.
Overview
State Farm
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Phone, Live Chat, Email, In-Person
Undisclosed
Farmers
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Phone, Live Chat, Email, In-Person
Undisclosed
Ratings
State Farm
Farmers
Reviews
State Farm
Reviews
Farmers
Reviews for State Farm
Helpful Favorable Review
Cat Metzenbaum
May 23rd, 2023
Ogden, UT
Review Source
State Farm has insured my cars and my house for many years. Their rates are good, and I have been able to get exactly the coverage I need without paying for a bunch of stuff I don't want. State Farm has paid out on several claims on my house due to flood damage and wind damage. Their representatives come to my home immediately so I don't have to worry about contacting repair people, etc. Good service! Plus my agent here in town is personally interested in my safety and well-being - he has come himself to my home more than once to help me figure out what to do.
Helpful Critical Review
Ms Missy
June 5th, 2023
McDonough, GA
DETAILS
Edited June 6th, 2023
Review Source
Statefarm is great if you do not need them. They continually increase their prices and claim its due to market increases and they do not keep their appointments. I tried to use my homeowners insurance once but the claim was denied. No one was able to fully explain to me why it was denied, so it seems like an unnecessary feature majority of the time.
Reviews for Farmers
Helpful Favorable Review
Yaritza Mata
April 17th, 2023
Penitas, TX
DETAILS
Review Source
Farmers is by far the best coverage you could have from our vehicle to business insurance to home. I always recommend it to everyone and have nothing but good things to say. What makes it even greater is their customer service. They always offer great assistance and answer any questions I may have. Anytime anyone mentions insurance I inform them of how great farmers is.
Helpful Critical Review
Joseph Mada
December 18th, 2022
Las Vegas, NV
DETAILS
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.
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.
