Farmers
- Several coverage options can help save money.
- Less common coverage options are available.
- Many discounts available.
- Tends to be more expensive than many competitors.
- Ranked below average for customer satisfaction in recent J.D. Power studies.
About Farmers home insurance
Farmers homeowners insurance earned 4.3 out of 5 stars for overall performance.
Farmers offers a range of ways to customize your policy, including an option that can prevent your rate from going up after a claim. Although Farmers’ premiums tend to be higher than those of its competitors, the company has a long list of discounts for policyholders to take advantage of.
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Answer a few questions to see custom quotes and find the right policy for you.Where Farmers home insurance stands out
Money-saving coverage options. Some policies may include claim forgiveness, which means your rates won’t go up after a single claim. You may also be able to add declining deductibles, letting you earn $50 toward your deductible each year.
Unique coverage options. Farmers offers a variety of ways to customize your policy. For example, you can add coverage for things like golf carts, e-bikes or upgrading your roof after a disaster.
Many discounts available. Most homeowners are likely to find at least one way to save on their premium.
Where Farmers home insurance falls short
Rates. It’s a good thing Farmers has a lot of discounts because its rates tend to be higher than those of competitors.
Customer satisfaction. Farmers ranked lower than average for customer satisfaction in two recent J.D. Power studies.
What Farmers home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
For more details, see What Does Homeowners Insurance Cover?
Optional Farmers home insurance coverage
Farmers also offers many optional features and perks, including:
Personal property replacement cost coverage. Reimburses the full cost of replacing a damaged or destroyed item rather than paying less for stuff that’s lost value over time. (Learn more about replacement cost vs. actual cash value.)
Extended or guaranteed replacement cost coverage. Pays an additional percentage of your dwelling coverage if your home is destroyed and the cost to rebuild is more than your policy limit.
Water backup or sump pump failure coverage. Pays for damage if sewer lines or sump pumps back up in to your home.
Scheduled personal property coverage. Adds extra coverage for valuable personal items such as jewelry or art.
Ordinance or law coverage. Pays to bring your home up to building codes when you’re repairing or rebuilding after a covered claim.
Equipment breakdown coverage. Pays to fix or replace HVAC or large appliances if they stop working for reasons beyond typical wear and tear.
Identity theft coverage. Helps pay expenses associated with recovering your identity.
Service line coverage. Pays for damage to utility, electric or water lines.
Fortified roof upgrade. Pays to replace a damaged roof with stronger materials.
Homeshare coverage. Offers extra financial protection if you rent your home to others.
Claims forgiveness. Keeps your rates from going up after a claim as long as you’ve been claim-free for a certain period of time.
Declining deductibles. Takes $50 off your deductible each year you have a Farmers home insurance policy.
Emergency mortgage assistance. Makes mortgage payments on your behalf for up to three months if your home is left uninhabitable after a covered disaster.
What's not covered
Farmers homeowners insurance doesn’t cover:
Flooding.
Earthquakes.
Normal wear and tear.
If you live in an at-risk area, you may want to consider buying separate flood insurance or earthquake insurance.
Where Farmers home insurance is available
Farmers home insurance is available everywhere except Alaska, Delaware, Florida, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, West Virginia and Washington, D.C.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
- Find the best homeowners insurance in your state
Farmers home insurance sample rates
The average annual rate for Farmers home insurance is $2,600, according to a NerdWallet analysis. That means Farmers tends to be more expensive than the national average homeowners insurance cost of $2,110.
Among highly rated, large national insurers, Farmers is one of the more expensive options on average for homeowners insurance. Here’s how the insurers stack up:
Company | Average annual rate |
|---|---|
$2,055 | |
$2,170 | |
$2,185 | |
$2,380 | |
$2,600 | |
$2,610 | |
USAA* | $1,790 |
*USAA homeowners insurance is available only to active-duty military members, veterans and their families. | |
The sample rates above are for 40-year-old homeowners with good credit, a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your rates will be different.
More Nerdy Perspective
One of the biggest factors in how much you pay for homeowners insurance is the amount of coverage you buy. Get too little coverage, and you could find yourself underinsured after a major disaster. Get too much, and you’ll overpay. Here’s how to figure out how much homeowners insurance you need.
Discounts
Depending on where you live, you may be able to earn a discount from Farmers by:
Installing fire alarms, indoor sprinklers, security systems or other protective devices.
Not smoking for at least two years.
Bundling multiple Farmers policies.
Working in or retiring from a designated profession such as a teacher, doctor or firefighter.
Agreeing to go paperless.
Owning a home that’s less than 14 years old.
Going without claims for at least three years.
Paying in full or signing up for automatic payments.
Consistently paying homeowners insurance bills on time.
Installing a smart home system.
Having an impact-resistant roof.
Fortifying your home against natural disasters.
Installing automatic gas or water shutoffs.
Having certain green certifications for your home.
Renting to own. Available to current renters policyholders when they buy a home and get a Farmers home insurance policy.
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Answer a few questions to see custom quotes and find the right policy for you.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, drawing a low proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
Third-party ratings: Farmers scored below average in J.D. Power’s 2025 U.S. Property Claims Satisfaction Study. Its rating for customer satisfaction was also below average in J.D. Power’s 2024 U.S. Home Insurance Study.
- What Reddit users say about Farmers
Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like home insurance, so we sifted through Reddit forums to get a pulse check on how users feel about insurers. People post anonymously, so we cannot confirm their individual experiences or circumstances.
There are quite a few complaints on Reddit about Farmers home insurance. Many people talk about rate hikes, while others say they’ve had trouble with customer service or claims. Some people report that their Farmers policies were dropped for reasons such as wildfire risk or having an older roof. However, there are occasional positive comments about the company’s service and stability.
How to file a claim with Farmers
You can submit Farmers home insurance claims through the website or mobile app. You can also report a claim by calling Farmers at 800-435-7764 or contacting your agent.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
How to contact Farmers customer service
Phone: You can contact customer service at 888-327-6335 seven days a week.
Live chat: Logged-in policyholders can chat with representatives through their online account seven days a week.
Online tools
Website: The Farmers website allows users to get quotes and manage claims. It also has educational articles about common insurance scenarios.
App: The Farmers app is available for iOS and Android. You can use it to pay bills, view policy documents, report claims or get a quote for new coverage, among other features.
Farmers home insurance vs. competitors
Farmers home insurance vs. State Farm
The primary differences between Farmers and State Farm homeowners insurance are:
Cost. State Farm homeowners insurance is more than $400 cheaper per year than Farmers' average policy, according to NerdWallet’s rate analysis.
Availability. Though neither company sells homeowners policies in all 50 states, each company is available in states where the other isn’t. Alaskans and Hawaiians can get a policy from State Farm but not Farmers, for instance. Meanwhile, State Farm doesn’t sell new homeowners policies in California or Massachusetts, while Farmers serves both states. (Availability is subject to change.)
Learn more with our State Farm home insurance review.
Farmers home insurance vs. Allstate
The biggest differences between Farmers and Allstate home insurance are:
Consumer complaints. Farmers draws a low rate of complaints to state regulators while Allstate draws an average rate.
Cost. Allstate’s policies tend to be slightly cheaper than Farmers’ on average, according to NerdWallet’s rate analysis.
Get more details in our Allstate home insurance review.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
What other types of insurance does Farmers offer?
What other types of insurance does Farmers offer?
How can I get a Farmers home insurance quote?
How can I get a Farmers home insurance quote?
Farmers offers home insurance quotes through its website, on the mobile app or by phone.
Can you bundle Farmers insurance policies?
Can you bundle Farmers insurance policies?
Yes, you can save by bundling home insurance with at least one other Farmers product such as auto, life or umbrella insurance.
Can Farmers drop my policy based on aerial photos of the property?
Can Farmers drop my policy based on aerial photos of the property?
Yes. It’s becoming increasingly common for home insurance companies to use aerial imagery to inspect properties. They’re typically looking for issues such as older roofs, overhanging trees or undeclared swimming pools. If a company sees one of these issues, it can require you to resolve the problem or even drop your policy altogether. Learn more about home insurance non-renewals.
Why is Farmers raising my home insurance rates?
Why is Farmers raising my home insurance rates?
U.S. home insurance rates have soared in recent years, especially in higher-risk states like California and Texas. Inflation has raised the cost of labor and building supplies, making claims more expensive for home insurers. Disasters like hurricanes, tornadoes and wildfires have cut even further into insurance companies’ profits.
As a result, insurers are passing their expenses to policyholders in the form of higher premiums. Here’s what to do if you can’t afford your homeowners insurance.
Article sources
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.J.D. Power. 2025 U.S. Property Claims Satisfaction Study. Accessed Sep 8, 2025.
- 2.J.D. Power. 2024 U.S. Home Insurance Study. Accessed Sep 8, 2025.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability 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.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with 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.
