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Everything You Need to Know About Farmers Insurance

Farmers Insurance offers a huge variety of products including auto insurance, home insurance, and life insurance. Read on to learn more about their rates and coverage options.

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Written by:

Kalyn Johnson

Insurance Claims Support & Sr. Adjuster

Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...

Insurance Claims Support & Sr. Adjuster

Reviewed by:

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

UPDATED: Nov 28, 2023

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It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

UPDATED: Nov 28, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.

You’ve likely heard of Farmers insurance online or through their television or radio ads. But does this popular insurance really stand up to its claims? As the sixth largest personal insurance carrier in the U.S., Farmers insurance is a brand with a great deal of history and experience.We dug deeper to determine what Farmers has to offer and whether or not their insurance is worth it. Here’s what we discovered:

Table of Contents

What is Farmers Insurance?

Farmers Insurance was started by two men, John Tyler and Thomas Leavey, who learned from personal experience that farmers and ranchers naturally had fewer risks to their vehicles and received preferred rates from insurance companies. Using their own money, they opened Farmers Insurance in a one-room office in downtown Los Angeles in 1928 – a year before the Great Depression.

Even when the Great Depression began, Farmers was one of the few companies that paid its customers’ claims in cash rather than IOUs. Decades later, Farmers Insurance was able to flourish and grow its product line to include auto coverage, life insurance and much more. They also support various local communities and national sports.

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What are the products and services Farmers Insurance offers?

Farmers Insurance offers a wide variety of products for every stage in your life, as well as those of your family. Many of the plans are customizable with additional features that can help protect the things that traditional insurance plans do not. See more details about their insurance and related products below:

Farmers Home Insurance

Home insurance is one of the products that Farmers is best known for – attending to natural crises such as major hurricanes, earthquakes and floods across the country.

Homeowners coverage helps you protect your investments including property and possessions.It is most commonly needed in the event of a fire, theft or storm damage. Earthquakes and floods aren’t covered under standard homeowners insurance with Farmers, but there are optional coverages available if you wish to add these to your homeowners insurance.Read More: Best Car Insurance Companies

What many people don’t know, however, is that homeowners insurance can also help protect your assets if you’re sued for alleged negligence that caused an accident which resulted in property damage or injury. Some of the things to consider when choosing home insurance include:

A Farmers insurance agent can work with you to estimate costs for these points, as well as including Personal Article Floaters which add increased limits or additional coverage to items that are unique or of special value.

What does Farmers Homeowners Insurance cover?

Farmers home insurance covers your home and personal property from damage and loss resulting from:

Farmers home insurance also covers other structures on your property such as fences and sheds. If a tree, plant, shrub or lawn is damaged due to a covered loss, Farmers will reimburse up to $750 per item (up to a maximum of 5% of your home’s coverage). Keep in mind this only applies to damages in case of covered loss (such as a fire, or a car crash on your lawn) and not due to natural causes like wind.

Homeowners insurance also covers some of your possessions, such as art, jewelry, valuable papers (passports, deeds, securities), and so on. Should you have any questions about specific items that are covered or not covered, it’s a good idea to speak with your local agent directly.

Farmers Apartment (Renters) Insurance

Many tenants don’t think they own as much as they do – but if you were to lose it all today, how much would it cost to replace?Think about things like your furniture, electronics, clothing, appliances and jewelry, as well as any books, art or musical instruments.

It all adds up quickly! And what if someone is injured on your property and sues you for negligence?It could be something as simple and innocent as leaving a pair of shoes in the stairwell and having a guest trip and fall over them.Renters insurance can help cover these things and more. If your rented home is even in need of serious repairs (where you’re unable to live there), Farmers covers the reasonable and necessary increase in living expenses (housing, food and so on) that you may suddenly have to deal with.

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Farmers Condos and Mobile Home Insurance

For condos, many associations have some basic form of insurance policy in place, which may lead you to believe that you don’t actually need condo insurance – but you should, since this insurance can cover things that the association’s insurance does not, such as accidental damage to any improvements you make in your unit.

Condo coverage can also include your personal belongings (up to your policy limits) and can protect your assets from liability claims as well.

Mobile homes and manufactured homes are different than traditional homes, which is why Farmers has crafted policies designed to help the mobile homeowner. Mobile home coverage covers most direct, sudden and accidental incidents as well as liability coverage. There are also many customization options so you can protect against things such as debris removal, food spoilage, trees, shrubs, plants, and additional living expenses.

Farmers Homeowners Insurance Estimated Rates

The rates for your homeowner’s insurance will depend on several factors, including where you live, your location’s propensity for things like fire, theft and floods, your personal assets, property size and much more.The only way to truly know how much homeowners insurance will cost with Farmers is to get a free quote. Your local agent can also tailor your insurance and customize different options to suit your needs.

If you choose to bundle your car and home insurance with Farmers, you’ll save on both.Certain renovations, like a new roof, can also get you a discount, as can installing theft-deterrents or being a non-smoker.You may wish to upgrade to Farmers “Smart Homeowners Policy” which is an upgrade from the basic policy that includes claim forgiveness (waiving the surcharge if you go six or more years without filing a claim) and cosmetic damage coverage.

Other options you can add to your policy (depending on if its available in your state) include:

What People Say About Farmers Home Insurance

Farmers prides itself on its quick response to homeowners who have had their lives turned upside down due to sudden crises such as storms and earthquakes. Farmers also offers a host of unique options for homeowners to further customize their policy and even covers specialty homes, mobile and manufactured homes.

Where Farmers Home Insurance tends to fall short, however, is with its customer service. Many people report that the efficiency with which their claim is processed is highly dependent upon the agent handling the policy.You’ll want to check carefully to determine if the Farmers agent in your area is someone that is reliable and can be depended upon should you have questions or need to file or update a claim.

Farmers Auto Insurance

Farmers is perhaps best known for its auto coverage. Like its homeowners insurance, Farmers car insurance can be customized with a wide array of options.By understanding the most common types of car insurance, you’ll be able to tailor a plan to fit your needs and budget:

Farmers Liability Insurance

There are actually two kinds of liability insurance coverage – coverage for bodily injury and coverage for personal property. Most states require you to carry this kind of insurance as a minimum. If you’re liable for damages, liability coverage helps pay for them. It helps pay for someone’s medical expenses, personal injury and/or property damage if an accident is found to be your fault.

Farmers Collision Insurance

Collision insurance helps cover the damages to your car in the event that you hit something like another vehicle, a guard rail, lamp post of telephone pole.

Farmers Comprehensive Insurance Coverage

Comprehensive coverage helps cover the losses to your car in the event of damages other than an accident – things like vandalism, riots, hail, fire, theft and animal collisions.

Farmers Insurance New Car Replacement

The New Car Pledge® is a guarantee from Farmers for newly-purchased vehicles.If the car has less than 24,000 miles and is at most two model years old in the event of an accident, the company will replace it with a new one of the same make and model at full market value without depreciation. If the new car can be repaired, only original equipment manufacturer parts will be used when they are available.

Farmers Insurance Accident Forgiveness

Farmers accident forgiveness is an optional feature you can add to your policy which won’t affect your rate if you have an accident. For every three years you drive accident-free, Farmers will forgive one accident from affecting your rate.

Farmers Rideshare Insurance

If you take advantage of ridesharing services, Farmers Rideshare helps cover policy gaps that traditional car insurance and rideshare company insurance does not. For example, the full commercial coverage offered by the rideshare company doesn’t kick in until you accept a ride. And most personal auto insurance policies weren’t designed to provide rideshare coverage when you’re working as a driver for companies like Uber and Lyft.Farmers Rideshare helps cover these gaps.

Submitting an Online Claim With Farmers Insurance

You can file a claim with Farmers both online or over the phone. If you choose to file a claim online, you’ll need to fill out some basic information about yourself and the date, time and place the loss occurred.

You can also call Farmers Insurance directly at 1800-435-7764. If you’re a Farmers policyholder, you can create an account online to help manage and see the progress on your claims. The claims department is available 24 hours a day, 7 days a week.

Farmers also has a mobile app available for iOS and Android phones. It will let you pay your bill, view details about your policy, set payment reminders and report a claim at any time.

Farmers Auto Insurance Estimated Rates

There are many different options that can affect your car insurance costs, which is why it’s a good idea to get a quote to determine the options that work for you. Things that can affect your car insurance premium include:

Your driving record also matters. Fortunately, there are a wide range of discounts available to help you get the cheap car insurance. For example, if you’re a doctor, RN, teacher, dentist, police or firefighter, you may qualify for special discounts. If you bundle your car and home insurance, you may also save.Students who make a certain grade point average or whose parents have a safe driving record may also get discounts. You may also qualify if you have a car with air bags, own two or more cars, and much more.

You’ll want to contact your local Farmers agent to determine which discounts you qualify for. There are even discounts by state!

What People Say About Farmers Auto Insurance

As with homeowners insurance, many of people’s claims about Farmers auto insurance fall on poor customer service. Some people have stated that Farmers will update policies without prior approval and cannot reach an adjuster.It is worth noting, however, that Farmers offers many unique types of auto insurance that other insurers do not, such as ridesharing insurance.

Farmers Life Insurance

Life insurance is a very personal decision. Farmers can help you protect the well-being and secure the financial future of your loved ones through their policies.Although life insurance is not something many of us want to think about, the last thing you want to do is burden your family with unforeseen expenses.

What life insurance policies are offered by Farmers Insurance?

Farmers offers term coverage, whole life insurance and universal life insurance.With term coverage, you have set premiums that are locked in for a certain term. In some cases, these can be convertible to lifelong coverage which can build cash value regardless of your health.They are simple life insurance plans to help cover basic expenses.

Whole Life insurance policies have a level premium with guaranteed cash values that you can use to reach a variety of financial goals. If you’re looking for permanent, lifelong coverage, you may wish to look into whole life insurance, as the cash value, premium requirements and death benefits do not vary based on things like interest rates or market performance.

Universal life insurance is for those who have changing life insurance needs through marriage, parenthood, retirement and beyond. You decide how much and when to pay toward your insurance policy. Because universal life insurance is linked to market indexes, there may be a greater opportunity for cash growth.

Farmers also has individual policies within these broad categories. You’ll want to speak with a local agent to determine the best options for your needs and the needs of your family.

Farmers Life Insurance Rates

Understanding how much life insurance you may need is an important consideration. There is no “one size fits all” policy for everyone.Fortunately, you can calculate an approximate amount by adding up:

There are other factors which can influence your life insurance rates, such as:

What People Say About Farmers Life Insurance

It’s common for many insurance companies to be labeled a “scam” after they don’t respond favorably to claims, but life insurance is one of those delicate subjects where Farmers seems to shine. Unlike many carriers, they also offer decreasing death benefit- which is really only used to cover a mortgage. Farmers is one of the few companies to offer this, so they are a noted trendsetter in this area. However, on the other end of the spectrum, there are concerns about the max age for term insurance. Most insurance carriers will set this to 60, but Farmers has set theirs to 50 which is unusual. Some carriers will even issue it at age 65. Overall, Farmers is a company with a long history and a solid financial standing, so they may be worth choosing when it comes to life insurance.

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Farmers Insurance Other Products

Farmers offers a variety of other types of insurance products in addition to home, auto and life insurance including:

They do not offer Farmers event insurance, but there are many other coverage options available.

Farmers Insurance Best Products & Services

There is no “best” insurance product from Farmers that fits everyone’s needs. Many people find Farmers’ ability to customize their plans and the fact that they offer specialty plans for more modern innovations (such as specialty housing and ridesharing insurance) puts them a step ahead of their competitors.

The best products for you will be the products that closely fit your current and future needs. You can easily get a quote on the products you’re interested in and then choose to add on any options you feel would work best for your specific situation. The entire process is very simple and straightforward, and you’ll feel comfortable and confident that you’re protected at all times.

Farmers Insurance Discounts

Farmers offers a number of lucrative discounts on nearly every product they sell. The offers and discounts can vary from state to state, so be sure to check with your local agent to determine which ones are available for you:

What are some of the pros of owning Farmers Insurance?

Strengths

Weaknesses

There are several reasons why people ultimately choose Farmers over their competition. Most notably:

Farmers Insurance Diverse Discounts

As you can see from the list above, Farmers has a wide variety of discounts according to everything from your age, to your driving experience, to the grades of your children. With so many discounts, you can potentially save big on your insurance.

Farmers Insurance Varied Coverage

Being able to customize your coverage to fit your needs is one of the hallmarks of Farmers Insurance.

Farmers Insurance A.M. Best Rating of A

This rating demonstrates the financial stability of the company. A company with a high financial stability is able to pay claims more quickly and respond in case of emergencies.

Farmers Insurance Rewards Visa Card

Many people like being rewarded beyond their insurance. With the Farmers Rewards Visa Card, you earn three times the points when you use your Farmers card to purchase Farmers products, fill your gas tank or shop at home improvement stores. If you’re a do-it-yourselfer who fills up on gas often and a Farmers customer, this card is one you’ll definitely want to consider.

What are some of the weaknesses of Farmers Insurance?

Of course, no insurance company is perfect. Here are some of the most common complaints people with Farmers Insurance have shared:

Farmers Insurance is Not for High Risk Drivers

If you are a high-risk driver or you have a lot of tickets in your past, you’re going to find it difficult to get insurance at an affordable rate. This isn’t solely a weakness of Farmers in particular, but those who are looking for an affordable rate with a less-than-stellar driving history will have their work cut out for them.

Farmers Insurance has No 24/7 Customer Service

If you need to reach customer service for reasons other than filing a claim, you may have to wait awhile, as Farmers does not have 24/7 customer service (and the customer service that it does have typically receives poor reviews from policyholders).

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Farmers Insurance Umbrella Policy

The Umbrella policy is a way to extend your liability limits beyond those normally provided by the policies you have in force. For example, if you’re exposed to risk often or you have a high net worth, an umbrella policy could protect you beyond what normal policies allow for.For instance, if you spend a lot of time on the road, if you host parties at your home often, have a vacation home or a pool, you could be setting yourself up for liability issues. Umbrella policies step in and help cover what traditional policies don’t.

Up to 10 Million in Liability Coverage (Limits Depend on Your Location)

To illustrate how umbrella coverage works, let’s say you’re liable for causing a car accident with multiple vehicles. The cost to cover the damages and injuries is $650,000. But the liability limits on your car insurance are only $500,000. In these cases, you’d be responsible for the remaining $150,000 out of your own pocket.Typically, umbrella policies provide liability limits above your current insurance – usually between $1-5 million or more depending on your location.

Broad Coverage Areas that Offer Liability Protections Other Policies Don’t

In addition to paying beyond what typical policies limit, Umbrella policies offer other coverage areas as well, including:

Personal Liability and Personal Auto Protection

Claims not covered by underlying homeowners, auto or watercraft liability policies, such as libel, slander or defamation of character can be covered by an Umbrella policy

Liability Coverage for Non-Owned Watercraft and Other Recreational Vehicles

While Farmers does offer watercraft insurance and insurance on other vehicles – what happens if you’re involved in an accident in a vehicle you’ve rented or don’t own? This is another case of a gap in coverage that an Umbrella policy can help cover.

Worldwide Coverage

Umbrella coverage follows you – anywhere in the world.

How to File a Farmers Insurance Claim

There are several ways to file an insurance claim with Farmers. You can file your claim online (see below for how to do that), or you can call the claims division directly:

1-800-435-7764

1-877-732-5266 (en español)

1-888-891-1660 (TTY for the hearing-impaired)

Online Insurance Claim Filing

Farmers online claim tool is an easy and fast way to report a claim for your home, automobile or specialty product. With a simplified reporting process, it walks you through each step so that your claims agent has all the information they need. The tool also provides a helpful summary as well as the contact information for your representative so you can contact them when you need to.

Through the online claim tool, you can also schedule other necessary services such as repairs, rental and emergency mitigation services. You can also upload claim photos.

In addition to filing a claim through the website, you can also use the Farmers mobile app to file a claim in a few swipes.

How do I report an accident or damage to Farmers Insurance?

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What are some of the most common customer complaints about Farmers Insurance?

Most of the complaints about Farmers deal with their handling of claims and their customer service. Many customers report that the efficiency with which your claim is handled depends entirely upon the agent servicing it. In other words – your results may vary. Some people have reported that Farmers updates their policies without their permission or knowledge, so this is an area you’ll want to monitor closely if you’re concerned.

Overall, people who use Farmers have found it frustrating to be able to reach a customer service agent and get knowledgeable responses to their questions. Most do not have issues with the insurance or the coverage itself.

How to Cancel Farmers Insurance

Different insurance companies handle cancellations differently. Depending on where you live, Farmers may ask you to sign a document formally demonstrating you wish to stop coverage. Others want you to write a letter or call. You’ll want to contact Farmers customer service for details on how to cancel your existing policy.

DO NOT simply stop paying your bill or let your coverage lapse. This could send your account into collections which could hurt your credit score.This may also hurt your rates with your new car insurer in the future. Above all, don’t let your insurance expire without getting new insurance in place first. If you do, you may face penalties or fines for driving uninsured, or be liable for personal injury and property damages from an accident you cause.

Can I cancel Farmers Insurance at any time?

You can cancel your insurance at any time, however, be sure to ask for a refund if you have paid in advance.If you are still making payments on your vehicle, you generally have to maintain a certain level of coverage such as comprehensive or collision coverage. Let your lienholder know that you are switching car insurance policies. Depending on where you live, you may also have to notify your local DMV. Be sure to cancel automatic payments as well if you are enrolled in them.

Frequently Asked Questions About Farmers Insurance

It’s understandable that you’ll have many questions about whether or not to choose Farmers Insurance. Their site can be rather cumbersome to navigate and for many people, getting customer service on the phone is next to impossible. We’ve compiled some answers to the most common questions about Farmers Insurance all in one place, so you don’t have to search!

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The final verdict about farmers insurance?

Farmers is a bit of a mixed bag. If you need to contact customer service, you may feel a bit “left out in the cold.” Claims progress, too, depends heavily on the person assigned to you. In looking over countless reviews, the verdict is very much a case of “your mileage may vary.”

But for sheer number of discounts and the fact that their options are so customizable, it’s hard to beat Farmers Insurance. Although they have decades of experience helping people through countless disasters (check out their Hall of Claims for some of the most insane claims that were covered!), they’re also keeping up with modern changes such as ridesharing insurance. This demonstrates that they’re not “set in their ways” when it comes to being strict, rigid and unflinching in their decisions.

People’s needs change considerably over time, and Farmers is able to both anticipate and adjust for that. Many customers ultimately choose Farmers because their parents or grandparents had them – demonstrating a great deal of loyalty. Farmers pays their customers back by offering several discounts that go beyond what a typical insurer would offer. There are also numerous options available to further customize one’s insurance – no matter what line (auto, life or home) they choose.

For people with a high net worth or who want to protect their considerable investments or assets, Umbrella insurance helps provide that extra peace of mind by going beyond traditional insurance limits. Other insurance – protecting everything from watercraft to pets – helps you enjoy greater confidence in comfort that the things you love the most are safe and cared for.

Overall, if you’re shopping around for insurance that’s flexible, fair and accommodating, you’ll definitely want to consider getting a quote from Farmers. Combine this with the fact that they have nearly 100 years of history and service behind them, and you can feel at ease that they’re not some “fly by night” company out to take your money and run. Their financial strength and stability attest to that.

If you’re familiar with online tools, you may not need much hand-holding from Farmers’ customer service. Filing a claim online and getting updates to its progress is faster and more efficient than staying on hold for hours. In these cases, there’s a great deal of emphasis on the ability to resolve as much as you can by yourself.If you have general questions, Farmers has a massive knowledge base featuring a wide variety of resources that will teach you more about the different types of insurance, what certain terms mean and much more. They also have basic Frequently Asked Questions for all their product lines.

Our verdict is that if Farmers improved their customer service and the efficiency with which claims were processed, they’d be pretty close to perfect – which is something that’s hard to come by when it comes to rating insurers. Considering Farmers’ long history and their ability to come through for many people in tough and uncertain times, many of their policyholders are lifelong customers. Customer loyalty like that simply can’t be bought, which is why we encourage you to get a quote with Farmers and see how much you could save!

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Written by:

Kalyn Johnson

Insurance Claims Support & Sr. Adjuster

Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...

Insurance Claims Support & Sr. Adjuster

Reviewed by:

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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