$30K personal property coverage
$255 /year
$21 /month
Farmers offers generous coverage plus a user-friendly app, but its policies tend to be pricey.
Coverage
More than average
Discounts
Average set of discounts
NAIC complaints
Fewer than expected
About Farmers renters insurance
Farmers renters insurance earned 4.2 out of 5 stars in our analysis. As one of the nation’s largest home insurers, Farmers offers a variety of useful features for renters. You can manage your policy online with the company’s highly rated mobile app. Its coverage is available in most U.S. states and may include up to $1,500 to help you recover from identity theft.
Farmers renters insurance is more expensive than the national average, according to NerdWallet’s rate analysis. But the company offers various discounts that may bring its rates down for some renters.
Best for: Renters seeking comprehensive coverage, including replacement cost coverage for your belongings.
Not ideal for: Those on a tight budget.
» MORE: The best renters insurance companies
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What Farmers renters insurance covers
Farmers renters insurance covers your belongings in case of fire, theft and other problems. It can also pay for liability expenses if your dog bites someone or a visitor gets hurt in your home. If your space is uninhabitable after a claim, your policy may also pay for you to stay elsewhere. Learn more about what renters insurance covers.
In addition to these standard types of coverage, a Farmers renters policy usually includes:
Replacement cost coverage. Pays for brand-new replacements if your belongings are stolen or damaged. (A standard renters policy pays only the value of your items at the time of the claim, so Farmers offers better coverage.)
Identity theft coverage, which offers up to $1,500 toward expenses related to identity theft. You can upgrade your policy to raise this limit and cover a broader range of costs.
Refrigerated food coverage, which pays up to $500 to replace food spoiled in a covered incident. There’s a $50 deductible.
Optional Farmers renters insurance coverage
You may be able to add the following types of coverage to your renters policy:
Scheduled personal property coverage. If you own expensive items such as jewelry, furs or firearms, a standard renters policy may not provide enough coverage. You can buy extra insurance to cover these items individually.
Water backup coverage. Pays to repair damage from a backed-up drain or failed sump pump.
Flood insurance. Pays for damage due to tidal surge, snow melt or heavy rain.
Earthquake insurance. Pays for damage from earthquakes and other earth movement.
What’s not covered
Farmers has similar exclusions to those of many other insurers. Unless you add extra coverage, its renters policies won’t pay for:
Flood or earthquake damage.
Your roommate’s stuff.
Damage you cause on purpose.
Valuables worth more than a set limit.
Farmers renters insurance rates
The average cost of Farmers renters insurance is $255 a year, or about $21 a month, according to NerdWallet’s rate analysis. That’s higher than the national average of $165 a year. Our analysis also found that Farmers’ average rates were higher than those of several other major insurers.
Rates are based on a sample renter with $30,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.
Where Farmers renters insurance is available
Farmers offers renters insurance in every U.S. state except Alaska, Delaware, Florida, Hawaii, Maine, New Hampshire, Rhode Island, Vermont and West Virginia. Policies are also unavailable in Washington, D.C.
Availability may change at any time. Coverage may not be available to all renters in a given state.
Discounts
Depending on where you live, you may be eligible for discounts if you:
Buy auto, life or umbrella insurance along with your renters policy.
Pay your renters insurance premiums on time for at least 12 months
Haven’t filed a claim for a specified amount of time.
Are a doctor, nurse, engineer, dentist, teacher, police officer or firefighter.
Are a new Farmers policyholder.
Sign up for paperless billing.
Consumer satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Farmers scores highly on this measure, with a low proportion of home insurance complaints compared to other U.S. insurers.
We determined our complaint scores by analyzing three years' worth of data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
JD Power rating: Farmers renters insurance ranked below average for customer satisfaction in JD Power’s 2026 U.S. Home Insurance Study.
» MORE: The cheapest renters insurance
Online tools
Website: You can get a quote or find a local agent on the Farmers website. Once you’re a policyholder, you can also use the site to make payments and to report and track claims.
Mobile app: Renters can use the Farmers app to pay bills, see policy documents and manage payment options. The app is available for iOS and Android.
How to file a claim with Farmers
You can file and track claims online. If you need help, you can call Farmers’ claim number at 800-435-7764.
How to contact Farmers customer service
Phone: Representatives are available at 888-327-6335 seven days a week. You can also call your local agent.
Email: You can send Farmers a message through your online account.
Chatbot: You can access the Farmers virtual assistant via the company’s contact page.
Other Farmers products
NerdWallet's reviews of other Farmers insurance products can help you find the right coverage for your needs:
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How we choose the best renters insurance companies
👋 I’m Sarah Schlichter, a senior writer and content strategist covering renters insurance. I built NerdWallet’s renters insurance rubric and did the research for this page to find the best companies. I gathered and analyzed data across four major categories:
Companies get better scores when they have consumer-friendly features and low rates of complaints.
Consumer complaints
We analyze the number of consumer complaints reported to the National Association of Insurance Commissioners. The higher the rate of complaints, the lower a company's score.
Digital tools
We look at how easy it is to interact with insurers by evaluating their digital tools, website and customer support methods. The best insurers have user-friendly features like online quotes and live chat.
Companies earn points based on how generous and customizable their policies are.
Coverage for personal property
Insurers that cover your belongings on a replacement cost basis by default get higher scores. Those with less generous actual cash value coverage score lower.
Optional coverage
For this category, we look at whether each company offers some of the most useful add-ons, such as extra coverage for valuables.
The more affordable a company's policies are, the better its score.
We evaluate the discounts a company offers and, when available, its median rates.
Companies score well when they have a healthy balance sheet.
We evaluate an insurer’s ability to pay future claims by using assessments from independent agencies such as AM Best and Demotech. The top renters insurance companies have financial strength ratings of A, A+ or A++.
Frequently asked questions
Yes, Farmers renters insurance will typically cover your belongings up to your policy limit if they’re damaged or destroyed in a fire. Your deductible would apply. So if a fire does $10,000 worth of damage and you have a $500 deductible, Farmers would pay $9,500.
Farmers evaluates renters insurance applications individually and may not provide liability insurance for dogs with a history of bites. Guidelines vary by state, so dog owners may want to go over the details with a local agent. Learn more about dog liability insurance.
A Farmers renters policy will cover your belongings if they’re stolen, minus your deductible. This coverage applies away from home, too. Say someone takes your laptop from your car or steals your bike while you're on vacation. These items would likely be covered. Note that you may need to buy extra coverage for certain expensive items like jewelry or watches. Learn more about jewelry insurance.
It depends. Renters insurance is designed for sudden accidents, so damage from burst pipes would usually be covered. Mold from a slow leak that your landlord never fixed would not. Flood damage isn’t covered, either.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.JD Power. 2026 U.S. Home Insurance Study. Accessed Sep 23, 2026.
Renters insurance star ratings methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including affordability, financial strength, consumer experience and coverage quality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners from 2023 through 2025. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Renters insurance rates methodology
To find the average cost of renters insurance in the U.S., NerdWallet calculated the median rate for tenants from multiple insurance companies in every ZIP code across all 50 states and Washington, D.C. Rates were rounded to the nearest $5.
Sample tenants were nonsmokers with good credit and no recent claims, living in a two-bedroom apartment. They had a $500 deductible and the following coverage limits:
$30,000 in personal property coverage.
$100,000 in liability coverage.
$10,000 in additional living expenses coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We then compared the insurer's median rates to the median rates for other companies.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
