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Farmers Home Insurance Review

In This Review: Our Take | Pros and Cons | Cost and Discounts | Coverage | State Availability | Customer Reviews | Conclusion | Comparison | Company Information | FAQ | Methodology

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 homeowners insurance 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:

Compare Homeowners Insurance Policies
Answer a few simple questions and we’ll take care of the rest.

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 and Cons

Compare the advantages and disadvantages of Farmers homeowners insurance.

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

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.

Type of Coverage Amount of Coverage



Other structures


Personal property


Loss of use




Medical payments to others

$1,000 per person

Replacement cost



$1,000 for all other perils, 1% of dwelling for hurricane/wind/hail

Monthly Cost



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

Type Description


Discount if you’re claims-free with Farmers (or previous insurer) for three consecutive years


Discount if you are not a smoker


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


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
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


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 Home Insurance Endorsements

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.

Type Description


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)

State Availability

Farmers home insurance is available in all 50 states. Click on your state below to compare Farmers against the top homeowners insurance providers in your area:

Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming

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!” 

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.

We recommend getting a free quote 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:

Compare Homeowners Insurance Policies
Answer a few simple questions and we’ll take care of the rest.

Farmers vs The Competition

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

Link Best For Star Rating
Lemonade Get Quote Easiest Sign-Up
State Farm Get Quote Best Endorsements
Allstate Get Quote Best Coverage Options
Travelers Get Quote Most Experience
American Family Get Quote Most Comprehensive Coverage
Liberty Mutual Get Quote Best Discounts
Best For Easiest Sign-Up
Star Rating
Get Quote
State Farm
Best For Best Endorsements
Star Rating
Get Quote
Best For Best Coverage Options
Star Rating
Get Quote
Best For Most Experience
Star Rating
Get Quote
American Family
Best For Most Comprehensive Coverage
Star Rating
Get Quote
Liberty Mutual
Best For Best Discounts
Star Rating
Get Quote

*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

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+

Other Homeowners Insurance Resources

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.

Our Methodology

The This Old HouseReviews team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau (BBB) ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

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.

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