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.

thumb_up

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.

thumb_down

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.

gavel

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.

Was this content helpful?

thumb_up Yes thumb_down No

We'll Introduce You!

Call our recommended rep over at Farmers below.

1-(844) 878-4022

Or you can visit Farmers' website.

border_color Write a Review

User Reviews

Star Rating

4.3

star star star star star_half

97 Reviews

Review Breakdown

5 grade

66%

4 grade

13%

3 grade

12%

2 grade

1 grade

Sentiment Criteria

Value

star star star star star_border

Quality

star star star star star_border

Service

star star star star star_half

Trustworthiness

star star star star star_half

cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down

star star star_border star_border star_border

P. Pollock Laguna Niguel, CA

A few years ago I would have given this company 5 stars across the board. Today? Not a snowball's chance in *ell. Two and a half years ago a pipe broke in the kitchen and flooded my wood floors. I cleaned up the water and then weeks later noticed that the wood floors were warping . Farmers came to the resuce and paid for the remediation and repairs whichamounted to over $50K in damages. Two years later( now 2021) while we were sleeping, a pipe developed a water spraying burst in between the 2 bathroom walls. It must have run all night because the following morning we awoke to a literal lake in our house, more damage than 2 years prior as the water had apparently sprayed all night flooding every room in the house except the living room and laundry room. Water DAMAGE EVEN EXTENDED INTO THE FINISHED GARAGE WALLS. Because I was refinaning at the time and barely meeting the income to debt ratio, I did not want to immediately turn in a claim to Farmers fearing my rates would increase and this would prohibit my refi from being approved. Over 400 photos were taken documenting the water damage , the remediation and the repairs in progress and the repairs completed . After the loan business concluded, I filed a claim with Farmers.( A customer can file a claim up to 1 year after an incident. I filed the claim about 3-4 months after THE DAMAGE , WELL WITHIN THE ACCEPTED TIMEFRAME.) Some old witch from Farmers , who did not know what she was doing, came out to inspect the house and collect the photos and receipts which totaled over $50,000. She never even looked at the receipts then sent a chek for less than 1/3 of the cost of the repairs to "fully cover" the loss. The damage had also extended into the finished garage wall, which she decided she was not going to cover. No reason was ever provided. Apparently she was not "in the mood" to include that water damage in the claim. The old witch never looked at the receipts and although water damage extended up the wall 48", she claimed she was only going to cover 18" of damage. Two years ago the walls were painted with oil based paint, which is no longer available for use in CA. But according to this idiot, we could repair just 18" and paint water based paint right over oil based paint and everything would match the older paint and be just fine. Uhh...no. Water based paint cannot be painted over oil based paint and after 6 months paint does not match. Nevermind that the walls had to be sanded and primed to accept water based paint now, so this would be even MORE expensive than 2 years ago. I no longer will refer anyone to Farmers and am shopping around for more dependable insurance. I have home, business, and auto all with Farmers and I like my agent, who is good at his job and very prompt in returning phone calls. However, Insurance is worthless if the claims adjustors dont step up to the plate and then only reimburse a customer a small fraction of her loss. $15,000 paid on a claim that cost me over $50,000 even without the damage to the garage walls, is just not cutting it. Any insurance company is friendly and happy to collect your premiums, but a company that fails to pay an adequate amount on a legitiment well documented claim is simply not worth doing buinness with. Adios Farmers.

3 years ago Edited December 30, 2021

star star star_border star_border star_border

Fred Watkins Los Angeles, CA

After years of paying my premiums, 15 years, we had a catastrophic flood in our basement. Upon calling our agent we found that our overflowing, flood was not covered under our policy because it did not meet their criteria of the type of cause for this flood. Yes really. Our repair costs, for us were insurmountable. Read ever policy over with a fine tooth comb.

2 years ago