Farmers Home Insurance Ratings
Product
Home
Overall
81.09
out of 100
| Product |
HOW WE WEIGH OUR SCORE
Price
35%
Customer service
25%
Claims
20%
Website and app
10%
Renew/Recommend
10% | Claims Processing | Customer Service | Value for Price | Website and Apps | % Who Would Recommend to a Friend | % Who Plan to Renew | WHAT IS THIS RATING? A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations. A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company. October 31, 2019 |
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AM Best Financial Strength RatingsOctober 31, 2019
A
Other Companies to Consider:
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Reasons for Buying from Farmers
Customers of Farmers originally decided to purchase from the company for these reasons:
| Recommended by friend or family member | 33% |
| Offered best price | 22% |
| I had other insurance with this company | 14% |
| Reputation | 11% |
| Was the company my parents had | 10% |
| Saw online ad | 5% |
| Saw TV commercial | 3% |
| The company website and mobile apps are easy to use and helpful | 2% |
| Financial Strength rating | 0% |
How likely are you to recommend this company to a friend, coworker or family member?
Would you renew?
Website and Apps
How easy to use and how helpful they are
37%
Satisfied - Fulfills my needs okay
24%
Completely satisfied - Gives me what I want and more
19%
Neutral - No good or bad feelings on this
17%
Never visited or used website or mobile app
3%
Not Satisfied - Is not a good website or app
0%
Very unsatisfied - Their digital offerings are not good at all or nonexistent
How You Prefer to Deal with Insurers
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About Farmers
Homeowners policies offered
- Homeowner
- Condo
- Mobile Manufactured
- Specialty Home
- Earthquake
- Flood
Additional policies include
- Auto
- Motorcycle
- Life
- Renters
- Business
- Pet insurance
Best Home Insurance Companies 2020: How Farmers Home Insurance Stacks Up
With a decent score of 81.09, Farmers ranked 15th overall in the Best Home Insurance Companies survey for 2020.Farmers highest ranking was for the all-important customer service rating factor where it placed 9th with a score of 84.90. In other individual rating factors Farmers place 15th for ease of use of website and apps and 14th place for claim service and value of price. Ninety percent of the policyholders surveyed said they plan to renew Farmers while 75% said they would recommend the company to others.
Gauging an insurance company
Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Farmers's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For home insurance, Farners (NAIC# 21652) had a complaint ratio of 0.51 for 2018. 2019 complaint numbers will be available in 2020.
Company Background
Farmers homeowner programs
- Eco-rebuild. If something happens to your home, if the loss is covered, you can get $25,000 for extra costs to rebuild, repair or replace with green contents and materials.
A good driving record mattered even in 1928
It probably won't surprise you to know that Farmers Insurance Group began as a company for farmers. The founders, John C. Tyler and Thomas E. Leavey, had grown up in the countryside and felt that farmers and ranchers deserved lower insurance premiums, because the data back then showed that they had better driving records than city folk. In April 1928, Farmers Insurance opened for business.
Car enthusiasts might enjoy learning that Farmers’ first insured car was a 1928 Cadillac Phaeton.
Of course, as more and more people moved away from the farms and into the cities, Farmers' business model smartly adapted with the times, opening up its company to everyone. The name, however, stuck.
Consider Farmers if you have a diverse bunch of interests to cover
Plenty of insurers cover a wide range of activities, but Farmers seems to be understandably proud (and amused) by its varied coverage, with a recent TV campaign highlighting some of its bizarre claims, such as covering an engagement ring that was stolen by a rodent. Farmers does have a wide range of coverage beyond the standard home, car and life insurance. For instance, if you have a mobile home, Farmers will cover that. If you like to jet ski, Farmers will cover that, too. Own a business? You can get a wide range of business coverage – on everything from an employee being injured by a thief, to coverage in case your employee is the one robbing you blind.
Contact information
Corporate headquarters
Farmers Insurance Company
4680 Wilshire Blvd.
Los Angeles, CA 90010
Customer service (888) 327-6335
Claims service (800) 435-7764
Types of special coverage
Identity theft. Services to help you protect your identity.
Coverage for vacation or vacant homes
Mobile and manufactured homes
Discounts
Multi-policy. Discount for more than one type of policy with the same insurance provider.
Home improvement. Discount when you make renovations.
Non-smoker. Discount if no one smokes in your house.
Eco-rebuild
Connected home
New home, less than nine-years-old
Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
"They are honest"
-Age 18-36, Arizona
"You get a feeling that you are a valued customer to them"
-Age 18-36, Arizona
"Good experience with them because they care about customer."
-Age 18-36, Arkansas
"My insurer is usually reliable"
-Age 18-36, Arkansas
"Everything goes very smooth with little issues"
-Age 18-36, California
"Farmers are good in covering you and your home"
-Age 18-36, California
"Fulfil my needs"
-Age 18-36, California
"Good price, easy to deal with them."
-Age 18-36, California
"Good prices and customer service"
-Age 18-36, California
"High quality"
-Age 18-36, California
"My insurer delivers on its claims."
-Age 18-36, California
"The website is super easy to use"
-Age 18-36, California
"Well organized and very original site."
-Age 18-36, California
"Easy to get the exact answers I need"
-Age 18-36, Connecticut
"I found them always in my reach"
-Age 18-36, Connecticut
"I can trust on them."
-Age 18-36, Delaware
"I have full coverage on my van and home. They call me if new discounts are available, to check up on my policy to see if see if any updates are needed to be made"
-Age 18-36, Florida
"It is very price friendly and also provides good service"
-Age 18-36, Florida
"My agent provides the best policies on the market and they are very accessible."
-Age 18-36, Florida
"Has good discounts especially helpful for those with families."
-Age 18-36, Florida
"Willing to teach you about insurance"
-Age 18-36, Florida
"They simply had the best price, and I never had any claims."
-Age 18-36, Hawaii
"I feel safe if anything ever happened, I'd have coverage"
-Age 18-36, Indiana
"Like dealing face to face with agent and Farmers has that"
-Age 18-36, Iowa
"Good rates"
-Age 18-36, Kansas
"I have never really had to deal with them. They have kept our rates exactly the same and not inflated them like some other companies do"
-Age 18-36, Kansas
"This company offers the best value for your money. Also I am very, very satisfied with my home insurer."
-Age 18-36, Louisiana
"They are good. They have really friendly customer sevivce who are very professional. "
-Age 18-36, Michigan
"They are fast and friendly"
-Age 18-36, Michigan
"Very kind and helpful"
-Age 18-36, Michigan
"If you're looking for a good selection of products and consumer-friendly pricing, Farmers might be right for you."
-Age 18-36, Missouri
"They offer awesome live chat support and quick customer service thru phone. They are a great company"
-Age 18-36, Nevada
"I've had to reschedule payments multiple times and did so with ease."
-Age 18-36, New Jersey
"Good customer service"
-Age 18-36, New Mexico
"They're family friendly. They know who I am and are very quick to help with anything"
-Age 18-36, New Mexico
"Great company"
-Age 18-36, New York
"I don't have claims experience but the service is excellent"
-Age 18-36, New York
"I like that there is a local office that allows me to speak face to face with my agent"
-Age 18-36, North Carolina
"I haven't had a specific experience with this company, as I have not made a claim. However, they offer live customer service and intuitive interactive online tools."
-Age 18-36, Oklahoma
"They're very thorough. When I called for a quote, they asked very specific questions about what I wanted coverage for, how much coverage I needed, and what kind of deductible I would rather have. It was a pleasant experience."
-Age 18-36, Oklahoma
"Awesome company"
-Age 18-36, Pennsylvania
"That they have very good customer service and care about your wellbeing"
-Age 18-36, Pennsylvania
"Company considers and solves different issues regarding home insurance. Also, it has easy process for claiming."
-Age 18-36, South Dakota
"Honest people with honest answers."
-Age 18-36, Tennessee
"It's a good company"
-Age 18-36, Texas
"Inexpensive"
-Age 18-36, Virginia
"Very good at what they do. Very personal and caring"
-Age 18-36, Virginia
"Very good service"
-Age 37-52, Alabama
"It has been around for a while and they give me decent coverage at a competitive rate"
-Age 37-52, Arizona
"Good quality customer service"
-Age 37-52, Arkansas
"They are the best for this type of coverage."
-Age 37-52, Arkansas
"Good company. I ask questions and they give detailed answers"
-Age 37-52, California
"For homeowners insurance I am happy with the deductible, cost and coverages."
-Age 37-52, California
"Good company and great agent"
-Age 37-52, California
"The pricing is very fair and they care for the consumer"
-Age 37-52, California
"At a reasonable price they cover all your needs"
-Age 37-52, Connecticut
"They are a great company and care for their customers."
-Age 37-52, Florida
"Good company and fine customer services they have."
-Age 37-52, Georgia
"Good rates and has a good reputation"
-Age 37-52, Georgia
"They work well with others and take care of any problems we have"
-Age 37-52, Idaho
"I recomend to join this insurence company for furure purpose"
-Age 37-52, Indiana
"Great customer service, easy company to work with"
-Age 37-52, Kentucky
"I would say that this insurer is considered an overall good provider."
-Age 37-52, Louisiana
"They have always worked with me for any issues I had and didn't understand"
-Age 37-52, Michigan
"I got a really great price with them"
-Age 37-52, Michigan
"Good customer service, I'm satisfied"
-Age 37-52, Missouri
"Friendly and easy to contact"
-Age 37-52, New Hampshire
"I like how well they work and what they are doing to help me"
-Age 37-52, New Hampshire
"I have a good policy for a fair price"
-Age 37-52, New York
"Well known company and good reputation"
-Age 37-52, New York
"Great provider of my needs"
-Age 37-52, North Carolina
"Prompt and courteous service"
-Age 37-52, North Carolina
"Since you have to carry insurance, it is best to have them with a company that actually cares about its customers"
-Age 37-52, Ohio
"They have good value for the price I pay"
-Age 37-52, Oregon
"that they go the extra mile for their customers"
-Age 37-52, South Carolina
"A home is a dream of a person in his life and company fulfills the dream of that person by offering good protection"
-Age 37-52, South Dakota
"We live in a small rural community where everyone knows each other. They always friendly and willing to help work out any problems we have had. We recently had some financial problems and they were extremely helpful and understanding of our needs"
-Age 37-52, Tennessee
"Fair prices and good customer service."
-Age 37-52, Texas
"Good customer service"
-Age 37-52, Texas
"Great for financial strength, seem to be growing in the marketplace. Safe for future and my needs"
-Age 37-52, Texas
"Farmer insurance is the best for home and rental insurance that leave your family with worry free and you don't have to worry people breaking through your home when you away for vacation."
-Age 37-52, Washington
"Never had any problems and good prices."
-Age 37-52, Washington
"Bought quickly in an emergency and wasn't really sure what I got but am happy so far"
-Age 37-52, Washington
"Provides good service"
-Age 53+, Arizona
"They have best prices."
-Age 53+, Arkansas
"I am happy with my insurance company"
-Age 53+, California
"I have been with this insurance company for 40 plus years. Is there any more can I say?"
-Age 53+, California
"It has been around for along time."
-Age 53+, California
"It's a fair price and easy to deal with."
-Age 53+, California
"Quality services offered"
-Age 53+, California
"Are very much effective as company and policy"
-Age 53+, California
"I haven't gone to there offices in more then 15 yrs. They have always done things right with me."
-Age 53+, Colorado
"Safe for the future. Happy to be with them."
-Age 53+, Connecticut
"They are really good with good price for my premium"
-Age 53+, Delaware
"Everything was easy and done well"
-Age 53+, Illinois
"Always there, call up, or visit in person. Tells you what is going on in your area, what is new changes with the Insurance you have, etc."
-Age 53+, Indiana
"They are easy to reach"
-Age 53+, Kansas
"The agents seem to care about me and my family's individual needs. They tailor the policy properly for what I need and are fairly easy to reach out to."
-Age 53+, Maryland
"Fast claims process."
-Age 53+, Nevada
"I feel it is looking out for me"
-Age 53+, Nevada
"Its policies permit farmers to insure their family home on their business insurance policies."
-Age 53+, North Carolina
"Is available 100 percent protections for home insurance of customers."
-Age 53+, North Carolina
"They treat customers fairly and are quick when settling claims."
-Age 53+, North Dakota
"Good interactions with owner/agent."
-Age 53+, Ohio
"It handles claims fast and no problem with coverage and adjusts amounts as needed"
-Age 53+, Ohio
"Online service always works and when you call the insurance company you are able to talk to a real person."
-Age 53+, Ohio
"They help you when you have a claim"
-Age 53+, Ohio
"Great rates and plans, excellent customer service, user friendly website"
-Age 53+, Oklahoma
"Website with friendly ways to find things needed"
-Age 53+, Oklahoma
"Farmers is a good insurance company with good helpful people and lower rates."
-Age 53+, Oregon
"Easy to access in any mode your desire"
-Age 53+, Pennsylvania
"Easy to reach and answers any questions I have"
-Age 53+, Pennsylvania
"I don't have moose problems but if I did they would make sure I was covered (that refers to their commercials and all the stuff they cover)"
-Age 53+, Pennsylvania
"Wwas easy to file a claim"
-Age 53+, Pennsylvania
"Good rep who handles everything"
-Age 53+, Tennessee
"They are there whenever needed."
-Age 53+, Texas
"Farmers offer the best home insurance policy and they care about their customers"
-Age 53+, Utah
"Great service and rewards loyalty"
-Age 53+, Washington
"Pleased with their responsiveness to my needs."
-Age 53+, Washington
"My agent is great. He is easy to reach either by phone or email."
-Age 53+, Washington
"Their claims service is excellent - even when it was the 2nd claim on the same fence within a year. Both times, checks were cut on the spot-no waiting!"
-Age 53+, Washington
"Needs better rates"
-Age 18-36, California
"Not good customer service"
-Age 18-36, California
"A sense of security is there because of the policy I bought"
-Age 18-36, Georgia
"Nothing at the moment to complain or brag about with Farmers"
-Age 18-36, New York
"No problems yet, but no claims yet either. Friendly people to deal with, at least so far. Website tough to work with, though."
-Age 18-36, North Carolina
"They are just okay"
-Age 18-36, Oklahoma
"I found it difficult to reach live person after initial signup"
-Age 18-36, Oklahoma
"I didn't understand my coverage mcuh at first but it's more clearer when seeing the emails and the communications"
-Age 18-36, Oregon
"Better company than my last I think"
-Age 18-36, Texas
"Better overall experience than with last company who I stayed with for too long"
-Age 18-36, Virginia
"It need some improvements like with app and explaining coverage"
-Age 18-36, Virginia
"They don't care about their customers. We had a water leak back in August and are still waiting for the next steps to fix our house. I have a ripped apart bathroom and missing half of my main level ceiling. It is the worst situation. The insurance agent was very nice to me, but very rude and dismissive to my husband. He blamed all of the hurricane damages in FL and the Gulf were his priority so he didn't have as much time for us. Yes, that's important, but we are a customer and our house is in shreds. We are not a low priority. I am going to change insurers when I can."
-Age 18-36, Virginia
"Our policy rates keep skyrocketing every year and no explanation given. It would be nice to know why."
-Age 37-52, Arizona
"No issues good or bad"
-Age 37-52, California
"Communicate easily."
-Age 37-52, Idaho
"Priced me out of the market. I want more affordable rates"
-Age 37-52, Illinois
"I have not had any issues with this compnay and they have good prices"
-Age 37-52, Indiana
"No real experience, just bought policy and no other contact so far"
-Age 37-52, Minnesota
"My agent is just okay; I wish company was more innovative with their policies."
-Age 37-52, Pennsylvania
"I tell others to read your policy thoroughly or you maybe surprised at what isn't covered"
-Age 37-52, Texas
"I haven't had much contact but I have a local agent who is easy to reach for anything I need."
-Age 53+, Arizona
"Never filed a claim on homeowner policy so don't know how well they'd do"
-Age 53+, California
"Rude and lots mistakes"
-Age 53+, California
"Don't need too much from this company at the moment. Been very responsive to questions though."
-Age 53+, Florida
"My experience with them has been good. However, since I signed up with them about a year ago I have heard some bad reports on them."
-Age 53+, Indiana
" I don't really know how my insurance company will do since I never had a claim. We will see or hopefully we won't. I am more buying piece of mind than anything else."
-Age 53+, Kansas
"Same company as for car insurance so got a discount"
-Age 53+, Minnesota
"I think their premiums are over inflated"
-Age 53+, New Jersey
"They will not give you all the information up front. So be sure you are covered for everything."
-Age 53+, Ohio
"Make little more affordable. Otherwise nice."
-Age 53+, Pennsylvania
"Changed my home insurance last year because my rates went up."
-Age 53+, Texas