Farmers home insurance ratings and review 2026

Farmers is the No. 5 homeowners insurance company for 2026, scoring an even 4 out of 5 stars. It offers a wide range of homeowners insurance discounts that may offset higher-than-average rates.

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Written by Leslie Kasperowicz
Leslie Kasperowicz
Leslie Kasperowicz

Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

 |  Reviewed by quality verifiedScott Nyerges
Scott Nyerges
Scott Nyerges

Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.

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Our take: Farmers home insurance

Farmers is the No. 5 company in our 2026 Best Home Insurance Companies ranking, up one spot from last year, thanks to a low complaint volume and good scores across the board in our survey.

  • Farmers’ rates come in just above the national average, but we’re impressed with the long list of available discounts that’s likely to bring those rates down.
  • While Farmers didn’t excel in any one category of the survey compared to similar companies, its scores were steadily strong.
  • A low complaint ratio with the NAIC indicates that Farmers is receiving fewer complaints than expected for a company of its size, which is an encouraging sign of good service.

Below is our review of Farmers. It’s based on the results of our survey, average rates and third-party metrics, including the NAIC customer complaint index and AM Best financial ratings. Find the full methodology here.

5
Farmers
4.00 Insure.com Score
Average Premium
$2,820
Customer Survey
NAIC
AM Best Rating
A
Effective date:
Pros and cons
Pros:
  • Solid on customer service: Farmers rated well across the board in our survey for the customer experience
  • Earns customer loyalty: 93% of customers in our survey plan to renew
  • Long list of discounts: Farmers offers more than a dozen possible home insurance discounts
Cons:
  • Captive agents: You must work with a Farmers agent to handle your policy
  • Higher-than-average rates: Farmers’ average home insurance rate is higher than the national average

Who should buy Farmers home insurance?

Farmers is a good choice for you if:

  • You want to work with an established, national carrier and prefer to work with an agent
  • You’re more concerned about personal service than the cheapest rates

It might not be the best choice if:

  • Your top concern is finding lower home insurance rates
  • You prefer to handle things yourself rather than having to work with an agent

Farmers home insurance cost: Coverage and competitor comparison

Farmers’ average homeowners insurance rate is a little above the national average ($2,543) at $2,820 a year.

  • A Farmers policy costs well over $1,000 more annually, on average, than the cheapest national carrier (Amica, $1,510)
  • Farmers’ homeowners insurance is cheaper than Nationwide ($2,983) and Progressive ($4,227)
  • Some regional carriers, like CSAA ($1,496), are considerably cheaper, but Farmers’ rates fall in line with regional carriers like American Family ($2,759) and Auto-Owners ($2,840)

Compare Farmers’ rates with those of its competitors at various coverage levels below to see how its rates might compare for your home.

CompanyCoverage levelAverage annual premium
Allstate$200,000 with a $1,000 deductible and $300,000 liability$1,717
Allstate$300,000 with a $1,000 deductible and $300,000 liability$2,049
Allstate$400,000 with a $1,000 deductible and $300,000 liability$2,384
Allstate$600,000 with a $1,000 deductible and $300,000 liability$3,110
Allstate$1,000,000 with a $2,500 deductible and $300,000 liability$4,356
American Family$200,000 with a $1,000 deductible and $300,000 liability$2,076
American Family$300,000 with a $1,000 deductible and $300,000 liability$2,759
American Family$400,000 with a $1,000 deductible and $300,000 liability$3,473
American Family$600,000 with a $1,000 deductible and $300,000 liability$4,867
American Family$1,000,000 with a $2,500 deductible and $300,000 liability$6,825
Amica$200,000 with a $1,000 deductible and $300,000 liability$1,123
Amica$300,000 with a $1,000 deductible and $300,000 liability$1,510
Amica$400,000 with a $1,000 deductible and $300,000 liability$1,803
Amica$600,000 with a $1,000 deductible and $300,000 liability$2,401
Amica$1,000,000 with a $2,500 deductible and $300,000 liability$3,296
Auto Club Enterprises (AAA)$200,000 with a $1,000 deductible and $300,000 liability$906
Auto Club Enterprises (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,335
Auto Club Enterprises (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,765
Auto Club Enterprises (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,687
Auto Club Enterprises (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$4,253
Auto Club Group – ACG (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,503
Auto Club Group – ACG (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,888
Auto Club Group – ACG (AAA)$400,000 with a $1,000 deductible and $300,000 liability$2,519
Auto Club Group – ACG (AAA)$600,000 with a $1,000 deductible and $300,000 liability$3,785
Auto Club Group – ACG (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$5,513
Auto-Owners$200,000 with a $1,000 deductible and $300,000 liability$2,249
Auto-Owners$300,000 with a $1,000 deductible and $300,000 liability$2,840
Auto-Owners$400,000 with a $1,000 deductible and $300,000 liability$3,466
Auto-Owners$600,000 with a $1,000 deductible and $300,000 liability$4,642
Auto-Owners$1,000,000 with a $2,500 deductible and $300,000 liability$6,819
CSAA Insurance (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,068
CSAA Insurance (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,496
CSAA Insurance (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,891
CSAA Insurance (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,618
CSAA Insurance (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$3,332
Erie Insurance$200,000 with a $1,000 deductible and $300,000 liability$1,888
Erie Insurance$300,000 with a $1,000 deductible and $300,000 liability$2,783
Erie Insurance$400,000 with a $1,000 deductible and $300,000 liability$3,526
Erie Insurance$600,000 with a $1,000 deductible and $300,000 liability$4,927
Erie Insurance$1,000,000 with a $2,500 deductible and $300,000 liability$6,743
Farmers$200,000 with a $1,000 deductible and $300,000 liability$2,032
Farmers$300,000 with a $1,000 deductible and $300,000 liability$2,820
Farmers$400,000 with a $1,000 deductible and $300,000 liability$3,667
Farmers$600,000 with a $1,000 deductible and $300,000 liability$5,377
Farmers$1,000,000 with a $2,500 deductible and $300,000 liability$8,048
Nationwide$200,000 with a $1,000 deductible and $300,000 liability$2,219
Nationwide$300,000 with a $1,000 deductible and $300,000 liability$2,983
Nationwide$400,000 with a $1,000 deductible and $300,000 liability$3,752
Nationwide$600,000 with a $1,000 deductible and $300,000 liability$5,342
Nationwide$1,000,000 with a $2,500 deductible and $300,000 liability$7,761
Progressive$200,000 with a $1,000 deductible and $300,000 liability$3,421
Progressive$300,000 with a $1,000 deductible and $300,000 liability$4,227
Progressive$400,000 with a $1,000 deductible and $300,000 liability$4,951
Progressive$600,000 with a $1,000 deductible and $300,000 liability$6,624
Progressive$1,000,000 with a $2,500 deductible and $300,000 liability$8,699
State Farm$200,000 with a $1,000 deductible and $300,000 liability$1,915
State Farm$300,000 with a $1,000 deductible and $300,000 liability$2,448
State Farm$400,000 with a $1,000 deductible and $300,000 liability$2,926
State Farm$600,000 with a $1,000 deductible and $300,000 liability$3,913
State Farm$1,000,000 with a $2,500 deductible and $300,000 liability$5,297
Travelers$200,000 with a $1,000 deductible and $300,000 liability$1,771
Travelers$300,000 with a $1,000 deductible and $300,000 liability$2,235
Travelers$400,000 with a $1,000 deductible and $300,000 liability$2,708
Travelers$600,000 with a $1,000 deductible and $300,000 liability$3,754
Travelers$1,000,000 with a $2,500 deductible and $300,000 liability$5,658
USAA*$200,000 with a $1,000 deductible and $300,000 liability$1,798
USAA*$300,000 with a $1,000 deductible and $300,000 liability$2,401
USAA*$400,000 with a $1,000 deductible and $300,000 liability$2,939
USAA*$600,000 with a $1,000 deductible and $300,000 liability$3,957
USAA*$1,000,000 with a $2,500 deductible and $300,000 liability$5,433
*USAA is only available to military community members and their families.
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How Farmers scores for customer satisfaction, ease of service, policy offerings and claims

Farmers ranked well in all four of our main customer service categories, although it fell on the lower side for claims handling at 76%. It scored a solid 84% for customer satisfaction and ease of service and one point lower (83%) for policy offerings. 

While some major competitors scored better in most of these categories, Farmers had a better customer satisfaction score than Allstate and was only one point behind the highest-rated national carrier in that category (among ranked companies), State Farm (85%).

CompanyCustomer satisfactionEase of servicePolicy offeringsClaims handling
Farmers84%84%83%76%
Nationwide85%85%85%84%
Allstate81%89%88%82%
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How Farmers scores on customer recommendations, trust and renewals

Farmers had a solid showing in all three questions we asked about how people feel about their insurance company and their loyalty:

  • Would you recommend your insurer to others?
  • Do you trust your insurer?
  • Do you plan to renew with your insurer?

The survey found that 93% of Farmers customers plan to renew with the company, and 90% said they trust Farmers. Additionally, 88% said they would recommend Farmers to others.

CompanyRecommendedTrustworthinessRenewals
Farmers88%90%93%
Travelers83%90%92%
Progressive82%79%87%
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How Farmers scores for digital experience, auto/home bundling and discounts

Farmers customers in our survey ranked the company about on par with America’s largest insurer, State Farm, for digital experience (76%) and discounts (61%). Farmers scored on the lower side for bundling (78%), but better than some competitors.

The table below shows the percentage of customers who said they were satisfied or highly satisfied in each category.

CompanyDigital experienceAuto/home bundlingDiscounts
Farmers76%78%61%
State Farm76%88%64%
Nationwide85%76%65%
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Types of home insurance offered by Farmers

  • Homeowners: Standard (broad form, HO-3) and high-value (comprehensive form, HO-5)
  • Renters: Coverage for tenants (HO-4)
  • Condo: Coverage for condominiums (HO-6)
  • Landlord: Coverage for a rental property
  • Manufactured home: Coverage for mobile/manufactured homes
  • Vacant homes: Coverage for a home vacant of occupants and contents
  • Vacation homes: Coverage for homes used seasonally or occasionally
  • Flood insurance: Sold through the NFIP Write-Your-Own program

Farmers home insurance discounts

  • Protective devices: Fire alarm, security system or sprinklers
  • Home safety: Discount for plumbing leak detection and shutoff devices, automatic gas shutoff and fortified homes
  • Bundling: Buy home insurance in addition to other policies such as auto, life, umbrella, small business or specialty
  • Connected home: For smart features with remote monitoring and control
  • Affinity: Discounts for certain professions or group membership
  • ePolicy: Paperless billing and policy documents discount
  • New home: Homes less than 14 years old
  • UL-approved roofing: Discount for shingles approved by UL
  • Green certifications: Discounts for homes with certifications, including LEED, EPA and Energy Star
  • Claim free: No claims for three consecutive years
  • Preferred payment: Pay in one or two installments or sign up for monthly automatic payments
  • Good payer: Discount for paying on time
  • Rent to own: If you have a renters policy with Farmers and switch to homeowners, you may get a discount

States where Farmers offers coverage

Graph
Table

States where Farmers offers coverage
Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
South Carolina
South Dakota
Tennessee
Texas
Utah
Virginia
Washington
Wisconsin
Wyoming
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Farmers at a glance

Farmers

  • Fifth-largest homeowners insurance company by market share, with $9,516,235,049 in direct premiums written according to the 2024 NAIC Market Share Report
  • Policies sold through Farmers agents nationwide: online, in person or over the phone
  • Foremost, Bristol West and 21st Century are Farmers companies, expanding options for customers who want the backing of a big company but have specialty needs

Contact Farmers at https://www.farmers.com/ or 844-437-7355.

Resources & Methodology

Sources:

NAIC. “NAIC Releases 2024 Market Share Data” Accessed December 2025.

Farmers. “Homeowners Insurance Discounts” Accessed December 2025.

Methodology

In late 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on satisfaction, ease of service, policy options, claims handling, digital experience, discounts, bundling, rate increases, older homes and standard coverages. We also asked whether they planned to renew, would recommend their insurer and trusted their insurer.

For insurers with enough survey responses, we added:

  • AM Best financial strength ratings, which measure an insurer’s ability to pay claims
  • NAIC complaint index scores, which show how many customer complaints an insurer receives relative to its size
  • Average premium data from Quadrant Information Services, based on a policy with:
    • $300,000 in dwelling coverage and liability
    • A $1,000 deductible and a 2% deductible where appropriate

With guidance from Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:

  • Customer survey: 40% (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25%
  • Average premium: 20%
  • NAIC complaints: 15%

Each insurer received a rating between 0.5 and 5 stars.

author image
Leslie Kasperowicz
Managing Editor

 
|
  

Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

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