Is Farmers Home Insurance the right fit for you?
Last Updated: 04/21/2026
SuperMoney User Recommendation Score +43
Mostly recommended14 total votes
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Highlights
Community Rating
Mostly recommended
Financial Strength Rating
A(Verified 03/31/2026)
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Number of Reviews
Farmers Home Insurance Review
Farmers Home Insurance is an insurance carrier based in Woodland Hills, CA. The company was founded in 1928 and offers home insurance in 29 states in the USA.
Farmers Home Insurance FAQ
What is the financial strength rating of Farmers Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Farmers Home Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.
What types of coverage does Farmers Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Farmers Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
Farmers Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Sewage and Drain Backup Coverage:
This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
How can you save money on a Farmers Home Insurance home insurance policy?
When you ask for a quote with Farmers Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Security or Protective Devices
- Deadbolt Locks on Exterior Doors
- Fire Extinguisher in the Home
- Home Monitoring System
- Fire Station within 5 Miles
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Farmers Home Insurance.
What additional benefits does Farmers Home Insurance offer?
Farmers Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +43, or 3.9 on a 5-point rating scale.
+43
-1000+100
No one recommends
Everyone recommends
Farmers Home Insurance Community Reviews
Would you recommend Farmers Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Farmers gave us low rates on our homeowner's insurance. I've had a few different agents and they have always been helpful and suggested different ways to continue saving us money on our accounts. They were easy to deal with when our house had storm damage that needed to be repaired and they worked with us to ensure we had the correct coverage when we moved across the country.
EC
Emma C.
Oct 19, 2022
May or may not recommend
They gave us a great rate on our renters home insurance and we stuck with them for 3 years until we bought a house. The quote and purchase process was easy and we were happy with the renewal prices. Thankfully we never had to claim.
AH
Abry H.
Oct 2, 2022
May or may not recommend
Farmers gave us low rates on our homeowner's insurance. I've had a few different agents and they have always been helpful and suggested different ways to continue saving us money on our accounts. They were easy to deal with when our house had storm damage that needed to be repaired and they worked with us to ensure we had the correct coverage when we moved across the country.
JM
Jane M.
Sep 22, 2022
May or may not recommend
Our condominium homeowners' association used to have Farmers Home Insurance to insure the building and common areas. We used them for many years, and we did not have any problems. I would recommend Farmers Home Insurance.
LR
Lily R.
Jun 30, 2022
May or may not recommend
Farmers Home insurance is the only insurance company I’ve grown to trust. With the best rates and most reliable customer service it’s no question as to why I’ve chose them. Most importantly they always work within your budget. I strongly recommend them to anybody seeking financial services.
Theo S.
Mar 15, 2022
May or may not recommend
I have worked with Farmer's when they provided insurance for the apartment I was managing. While it took me some time for me to fully understand the implications and necessity for having insurance, it put my mind at ease to know that I was able to manage things comfortably without worry of anything that might go amiss.
On a professional level, it is good to have insurance available, especially with other ...Show More
Andrew H.
Aug 12, 2021
May or may not recommend
Larger company that generally provides a good service. Some claims will be denied for seemingly spurious or ill defined reasons.
Originsand T.
Jul 29, 2021
May or may not recommend
I think this home insurance provides rates similar to the insurance providers, so it is up to you if you want to go with a lesser-known insurance provider.
GT
Glenda T.
Jun 10, 2021
May or may not recommend
Since I last checked, Farmers has the least expensive homeowners policy of the major brands. The policy itself is among the best, and there are many opportunities to receive discounts.
AO
Adebola O.
Jun 6, 2021
May or may not recommend
It's true they are very affordable compare to other insurance company. The only problem with them is that they don't give enough financial assistance during damages. Then what's the essence of insuring.
AH
Anzhell H.
Jun 3, 2021
May or may not recommend
Farmer Home Insurance is an amazing service just like their car insurance they're affordable and they treat you like family everytime you call or need them.
KW
Kandace W.
Mar 12, 2021
May or may not recommend
The price is worth all that they give you! There is a discount for bundling and it is a great value. There is amazing customer service and if there is a misunderstanding they always have great customer service to fix it!
U
Anonymous
Jun 11, 2015
May or may not recommend
Had a water leak in the walls and it damaged flooring and drywall, Called a plumber and he fixed it. The adjuster from Farmers came out . A week later they told me they are denying my claim because the pipe had been leaking for quite sometime. Now i have to pay for the repairs. Why are required to carry insurance?
U
Anonymous
Mar 21, 2015
May or may not recommend
Farmers Insurance is the worst ever when it comes to filing claims. We got a quote, like the told us to, but would only pay out a small amount. What''s the point of insurance if they don't give you money when you have to fix damages to your house? They are so unreliable and failed to return our phones calls on a regular basis. I would not get Farmers insurance ...Show More
Showing 14 of 14 reviews