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Farmers Home Insurance Review (2022)

Learn about Farmers home insurance reviews, coverage, cost, and more to determine if it’s the right provider for you.

Home wet bar. iStock

There are a variety of factors to consider when evaluating home insurance companies. Not all homeowners insurance providers offer the same quality of coverage or customer service at the same price. To help you with your decision, the This Old House Reviews Team has created this in-depth Farmers home insurance review to help you determine if this well-known company is the best fit for your needs.

For free quotes from multiple companies in your area, call 855-948-5219 or enter your zip code in the tool below:

Table of Contents

  • Our Take
  • Pros & Cons
  • Coverage
  • Availability
  • How Much Does Farmers Home Insurance Cost?
  • Discounts
  • Reviews of Farmers Insurance
  • Farmers vs The Competition
  • Our Conclusion
  • Frequently Asked Questions
  • Company Information
  • Our Methodology

Our Take

Farmers is one of the best-known home insurance names in the country. The insurer offers comprehensive home insurance coverage, including all of the industry standards, alongside some perks. Farmers practices declining deductibles, where you can earn $50 toward your deductible every year your policy is in force, covers cosmetic damage, and practices claim forgiveness.

However, Farmers has fewer endorsements than some of its competitors, like service line coverage. In addition, it is significantly more expensive than some of its competitors. Overall, we give Farmers home insurance a score of 94.40 out of 100. On Farmers’ Better Business Bureau profile, common complaints cite increasing rates and renewal issues. Reviews range from praising competence and efficiency to concerns about a lack of professionalism.

Pros & Cons

Compare the advantages and disadvantages of Farmers homeowners insurance.

Farmers Home Insurance Pros & Cons

Pros Cons
Pros Cons
Available nationwide Fewer endorsements than competitors
Declining deductible Website not highly detailed
Claim forgiveness Expensive compared to competitors


Farmers offers all standard coverages in its basic policy, alongside cosmetic damage coverage. The insurance provider offers three tiers of coverage. Each one builds on the one before it. The exact details will depend on your precise quotes.

  • Standard: Created with new homeowners in mind, focuses on core features
  • Enhanced: Accommodates higher policy limits and adds extra features
  • Premier: Provides highest limits and coverage on personal property and may include Guaranteed Replacement Cost Coverage if your home meets certain requirements

Farmers Home Insurance Coverage

Type Description
Type Description
Dwelling + other structures Covers the cost to rebuild or repair your dwelling and detached structures (like a garage or shed) in the event of a covered loss
Personal property Covers the cost of replacing personal property in case of a covered loss, including furniture, electronics, appliances, and clothes
Liability Covers the cost of legal fees in the event you are sued by a guest for injury or personal property damage
Loss of use/additional living expenses Covers the cost of living outside your home (including accommodations) when it is temporarily uninhabitable due to a covered loss
Medical payments to others Covers the cost of medical expenses associated with a guest getting injured on your property
Cosmetic damage Covers the cost of fixing associated cosmetic damage when you file a claim

Farmers offers some endorsements, but the list is less extensive than some of its competitors, lacking features like equipment breakdown coverage and service line coverage.

Farmers Home Insurance Endorsements

Type Description
Type Description
Eco-rebuild Provides extra coverage to rebuild your home with green, energy-efficient materials after a covered loss
Personal articles floater Provides additional coverage for valuables like art, collectibles, or jewelry
Identity Shield Provides coverage if your identity is stolen, up to your policy limit
Contents replacement cost Provides the full replacement cost of stolen or damaged property (not less depreciation)


Farmers home insurance is available in all 50 states.

How Much Does Farmers Home Insurance Cost?

The exact amount you pay for Farmers homeowners insurance depends on a variety of factors, including your property value, size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.

We requested a quote for a single-family, 2,200-square foot home in Pittsburgh, Pa. We found that the monthly cost of $290 is significantly higher than the national monthly average, which is $101, according to the Insurance Information Institute.

Farmers Home Insurance Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $489,000
Other structures $48,900
Personal property $268,950
Loss of use $97,800
Liability $300,000
Medical payments to others $1,000 per person
Replacement cost Yes
Deductible $1,000 for all other perils, 1% of dwelling for hurricane/wind/hail
Monthly Cost $290.50

To receive a custom quote from Farmers, use the tool below.


Farmers offers several discounts to help you lower the amount you pay for home insurance.

Farmers Home Insurance Discounts

Type Description
Type Description
Claims-free Discount if you’re claims-free with Farmers (or previous insurer) for three consecutive years
Non-smoking Discount if you are not a smoker
Multi-policy Discount for bundling different Farmers insurance policies
Protective devices Discount for installed protective devices like fire alarms, sprinklers, and burglar alarms
New home Discount for a home less than one year old
Roofing materials Discount if your roof is made of impact-resistant materials, as determined by Farmers

Reviews of Farmers Insurance

Farmers is accredited by the Better Business Bureau and holds an A+ rating from the organization. See what some real customers had to say in this sampling of Farmers home insurance reviews.

Kaleb H. said, via BBB:

“Great service, best rates around. I have shopped it around. No one can beat them. My agent goes above and beyond. I love that they call me every year to make sure that nothing has changed and check in, they also send birthday cards. So sweet, really a personal touch!”

Cassara C. said, via BBB:

“Price gouging at its finest with this company. I didn’t realize for three years that I was being price-gouged with my homeowners insurance. My escrow account kept going into the negative and my mortgage payment kept creeping up every year for some reason. Finally decided to figure out why for myself and found that Farmers Insurance was charging me an outrageous premium that crept up substantially every year...Called around to a few other places and they all gave quotes of 40% or below what I was paying through farmers!”

Farmers vs The Competition

See how Farmers stacks up against some of its top competitors on key metrics.


Provider Farmers Lemonade Amica®
Provider Farmers Lemonade Amica®
Get a free quote Not available through This Old House Not available through This Old House
Our score 94.40 83.50 96.60
State Availability 50 23* 48 (not available in AK and HI)
BBB Rating A+ B+ A+
Years in Business 92 5 113
24/7 Claims Service X
Protective Devices/Safety Features Discount
Bundling Discount
Mobile App

*Lemonade home insurance is available in AZ, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI

Our Conclusion

We give Farmers a score of 94.40 out of 100. While the company lacks some basic endorsements, overall it offers robust home insurance coverage nationwide. Unfortunately, it offers fewer endorsements than many of its competitors and comes at a high price. The inclusion of declining deductible, claim forgiveness, and cosmetic damage coverage make it stand out from the competition.

For a competitive rate, we recommend getting a free quote from Lemonade Insurance so you can compare costs.

It's also a good idea get quotes from multiple providers in your area so you can find the best deal. To get quotes from companies near you, call 855-948-5219 or enter your zip code in the tool below:

Frequently Asked Questions

Is Farmers a good home insurance company?

We believe Farmers is a solid home insurance company, giving it a score of 94.40. The insurer offers robust coverage, including perks like claim forgiveness, declining deductibles, and cosmetic damage coverage.

What does Farmers home insurance cover?

Farmers home insurance covers all six basic forms of home insurance coverage—dwelling, other structures, personal property, personal liability, medical payments to others, and loss of use/additional living expenses, across three tiers of coverage.

Are home insurance and homeowners insurance the same thing?

Yes, home insurance and homeowners insurance are synonymous. They refer to policies you can purchase to protect your home’s exterior and interior as well as its contents from certain covered perils. It can also protect you from legal and medical liability in the event someone is injured on your property.

Do I need both hazard insurance and homeowners insurance?

Most lenders will require you to have a certain amount of hazard insurance and homeowners insurance in order to get a mortgage. Also, the two types of insurance cover different events, so it can be a good idea to have both.

Company Information

  • Company name: Farmers
  • Company type: Public
  • CEO: Jeff Dailey
  • Year founded: 1928
  • Headquarters: 6301 Owensmouth Ave, Woodland Hills, CA 91367
  • State availability: 50
  • BBB rating: A+

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews Team at