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Farmers Home Insurance Reviews and Ratings

Updated on
Farmers Ratings
Overall Rating: 3.17
J.D. Power: 2.05
NAIC: 2.43
Average Premium: 1.50
Quadrant Insurance Alignment: 2.16
Multi-Policy Discount: 3.93
New-Home Discount: 3.51
AM Best Rating A

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About Farmers Home Insurance

John C. Tyler and Thomas E. Leavey, the founders of Farmers Insurance knew from personal experience that farmers and ranchers experienced fewer risks with their vehicles and were entitled to preferred insurance rates.

In 1928, Farmers was launched with Tyler and Leavey putting up their own money and going farm to farm to gain their first policies. They operated out of a one-room office in downtown Los Angeles.

In the 1930s, during the Great Depression, Farmers was one of the few insurance companies able to pay customers’ claims in cash instead of I O Us.

During the 1950s Farmers continued to grow and expand and acquired the New World Life Company of Seattle. In the 1960s Farmers became the first major insurance organization to offer a monthly payment plan that wasn’t a finance plan and that didn’t charge customers any interest.

The British American Tobacco Company acquired 100 percent of Farmers Group, Inc. in 1988 and in 1998, Farmers Group, Inc. was acquired by Zurich Financial Services.

In 2021, The Farmers Exchanges and Farmers Group, Inc. completed it’s joint acquisition of MetLife’s home and auto business.

Types of Coverages Offered by Farmers Home Insurance

  • Homeowner
  • Condo
  • Mobile & Manufactured
  • Specialty Home
  • Earthquake
  • Flood
  • Renters

Discounts Offered by Farmers Home Insurance

  • Multi-Line
  • Non-smoker discount
  • Business/Professional Group Discount
  • Home Renovation 
  • New Home
  • Home/Auto 
  • Home/Life 
  • Renters/Auto 
  • Protective Devices
  • ePolicy 
  • New Roof
  • U L Approved Roof
  • Additional Coverages Offered by Farmers Home Insurance

    • Auto insurance
    • Life insurance
    • Business insurance
    • Recreation
    • Umbrella insurance
    • Motorcycle

    In which states is Farmers available?

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    Michelle Megna


    Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News.

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