Farmers Homeowners Insurance Reviews
3.42 / 5 based on 272 Reviews | Submit Your ReviewSatisfactionClaimsCostBillingService
Farmers Insurance Company was founded in 1928 as an insurer of privately owned automobiles. Today, the company employs more than 18,000 people, not including hundreds of independent agents. They are the third largest writer of auto insurance policies in the country, with more than 15 million policies currently in force.
Company InformationP.O. Box 4402
Woodland Hills, CA 91365
(323) 932-4266 (Fax)
Last Updated: 2020-08-29
Company Reviews (272)
What a joke!!!!, December, 2015
Farmers agent signed us up took our money then cancelled us within 3 weeks. Said we had too many claims. Both weather related. Now find out they get to keep 50% of other insurance cost. Agent failed to tell us about that but not his fault. What a lesson cheaper isn't always better. Be sure to have agent tell you about all the hidden costs. Also found out one of our policies was covered by Foremost which is affiliated with Farmers. Get the entire story before jumping in. Dropped Farmers/Foremost and went with more reputable company. BE CAREFUL
don't be fooled by low cost!, June, 2015
I was amazed how low my coverage was, having paid close to twice before. Don't be fooled! With no claims turned in over the first year, my policy was raised approximately 25% for "inflation".
Unethical practices, February, 2020
I called our local agent Michael for a quote.
I had great insurance just shopping for comparison.
Phones were disconnected ?.
Called another number. Tried to give them my info for a quote.they refused to take accurate info.
Sent quote for house not even built when ours was built??????????
Coverage not even close to same.????
We declined to consider after phones were disconnected.
Then we received bill in the mail for premium payment .76.44???????
We never had insurance with farmers. JUST an inaccurate FREE phone quote.
The bill says they are turning into collection if not paid.
NEVER DO ANY BUSINESS WITH A COMPANY THAT BILLS FOR A FREE QUOTE.
SAD PATHETIC customer service
Don’t buy Farmers insurance, February, 2019
This company cheats people. A basic water leak damage isn’t even covered. They claim insurance is for peril. I don’t understand what this means. My premium is as high as what I paid others. But coverage seems way lower. They have lots of hidden information which they show only when you claim and suffer like me. It’ reminds me of the TV ad where Zombie attacks are covered but most common damages aren’t.
Johnathon Johnson Adjuster, May, 2018
I cant say enough about how great this Adjuster is. I have worked with many adjusters and he is BY FAR the most knowledgeable and dependable adjuster I have came into contact with.
-David Cartisano from Excel Specialized Roofing -Watauga Texas
Stay away from this company!, March, 2018
I received a quote, it was lower than my current premiums. Decided to switch to Farmers. Once the account was approved, I cancelled my previous insurance. Then while signing everything online, I noticed the premium was higher than what I was quoted. First problem. Then, two days later they cancelled my policy and told me I had 7 days to find a new policy. Who does this? Extremely unprofessional. Classic bait and switch of quoting lower prices and then switching it. DO NOT USE THIS COMPANY!
Does not fully cover home, November, 2017
My house has been hit with a devastating hurricane and caused severe roof damage. The roof has water marks and is constantly leaking. I was hoping Farmers would cover the damage but they decided it's not within policy because there is no "gaping hole or crack." Several weeks have passed and the roof is starting to collapse. I will never again be a member of this business because they are liars.
BEWARE Homeowners, August, 2017
Beware of limited Matching coverage, this means they can mis-match your siding and roofing........Also beware of the pro-rated roofing coverage in GA.
Warning terrible company! , June, 2017
They will not cover your home for mold with a leak that has been going on for 4-5 months. Has to be an immediate burst to be covered. That is ridiculous!
Horrible ins.co, June, 2017
Unreasonable time to fix demands, dropped us within 30 days. Now no homeowners ins.& no company to get it with.
Have since found someone else they screwed over as well!
Homeowner insurance being cancelled due to claims, May, 2017
I have had Farmers Homeowners Insurance over 23 years. They have been paid through my escrow and never had to file a claim until 9/14/16 for water damage in the garage from the hot water heat and again 3/31/17 for a upstairs bathroom leak into my downstairs bath. Each were beyond my control. And today I receive a letter from Farms Hesselgesser insurance agency stating that they will not be renewing my home insurance for the property due to unacceptable loss frequency. Stating the number of losses experienced in a three year period exceeds Farmers Eligibility Limits. This is unheard of...what is the purpose of paying into a home insurance if it can not be used for the ware and tear of the home after 23 years of owning my home. Farms Insurance is a huge rip off.
TERRIBLE INSURANCE COMPANY, May, 2017
I requested a quote and was given a reasonable annual premium, then they said they would not be able to insure us. My wife has a credit score of 836 and I have a credit score of 840 based on the information from our home loan.
The reason given was 2 claims from a previous home one was 08/10/14 for water damage a pipe joint came loose and needed to be repaired, the plumber said it was more than likely due to slight settling of home for $961.00 and one for wind damage, we had like 80mph plus of winds and there were tornadoes close by and the deck collapsed for $2,544.00.
Neither of which we had control of.They wanted to refer us to another branch that I am sure would for whatever crazy reason consider us high risk.
Do your research before you buy insurance, there commercials are a joke.
very negative experience, May, 2017
I originally got Farmers because the policy seemed the best for the money. But then the cost went up by about a third each year. I decided to cancel and did so in writing. Next thing thing I was receiving overdue notices for a policy I had canceled. This time I emailed my agent but instead of correcting his error as I requested he canceled it later, resulting in my being billed for time after my cancelation. I called their phone customer service - what a joke- the woman even admitted Farmers had stated they would not charge me for that time, said it would be corrected, and next thing I am getting another bill for time beyond my cancelation. I am now in the process of filing complaints against them, as I refuse to pay for a policy I had canceled in writing.
52% Premium Increase!, July, 2016
We received a 52% premium increase after no claims. Agent said, "Mountain property is becoming uninsurable. Be happy you still have a policy." So we're shopping.
Extremely Poor Service, July, 2016
We recently filed a claim with Farmers for hail damage to our roof and siding. Over 20 other houses in our neighborhood had the same damage we do. All of their claims were approved by other companies. Farmers denied our claim. They sent out 2 inspectors. Both said the damage was not from hail. I do not recommend Farmers. If you have Farmers I would suggest finding another provider before something happens to your home. We were also treated in a very rude unprofessional manner by most of the people we dealt with throughout the experience,
42% increase in one year (obscene), May, 2016
I have NEVER had a claim on my homeowners policy and I received a 42% increase in one year. Someone should go to jail for that. Farmers also raised my auto insurance because of one scratch on my door. First "accident" in 25 years and it was a scratch on a post and no other car was involved. DO NOT USE FARMERS INSURANCE.
bad service , May, 2016
they do not take care of there customers of over 30years, filed for hail damage of roof they paid 2,000 and i had to pay 16,000 pretty sad so i cancelled and moved on
Worst Insurance Company Ever Dealt, April, 2016
I recently signed up with Farmers for home Insurance. One of my friends suggested the company and initially the premium was less than other notable insurance companies so I went with Farmers.
First of all, they gave me quote for one number and when I finally had to enroll during house closing, they increased the cost for $35 for no reason. I had no choice because time was of essence. I had to sign up else my closing date would have been pushed further. Later when inquired, they said it was because of deductible. I tried to reach out the agent who gave me the quote. Trust me he never called me back. It's just impossible to get hold of these people.
After 15 days of closing, I again received notification stating that my premium is high by $100. I talked with their representative. He says the inspector evaluated that we have shallow basement. How can a walkout basement be considered as shallow basement.
In short, this is the worst company I have ever dealt in last 11 years. They have the crappiest customer service. They have people who have no clue how the home insurance billing system works for mortgage. I totally regret going with this company. I would recommend pay $100-$200 more and go with other reputable company. No way, I will renew my policy. They are just money suckers and don't value their customers. To get one call or email reply back you simply have to wait 3-4 days. They are horrible. Don't go with them just because they quote you less than others. The numbers will change anytime.
Good company, March, 2016
Farmers, like many other companies don't always cover all areas.
23% Rate hike, November, 2015
Although we have never made a claim, our homeowners rate is increasing 23%. When trying to find a way to lower the new rate, it became obvious that the rate increase was designed to get me to switch my auto and umbrella policies to Farmers. Sorry, I would rather switch the other way rather than reward bad behavior.
Farmers Insurance did a great job, October, 2015
Our property had a flood, and Farmers took care of the entire replacement. They were very generous with having us in temp quarters., and had us back home asap. I highly recommend Farmers. The claims rep. was very caring and cooperative.
Looking to compare, August, 2015
Looking to compare if to see if I can find as good a coverage for a better price or better coverage for a better price.
unprofessional, June, 2015
Insurance adjustors were not easy to get a hold of and rarely returned phone calls. Had to contact supervisor on several occasions just to be able to speak with someone. It took over a week for them to send an adjustor out to the premises and then he never showed up for the scheduled appointment. Had to again contact supervisor to get someone out to look at condo in order to get the soot cleaned. Their inconsistency, lack of response and customer service are completely unprofessional.
Horrible!!!!!, May, 2015
Filed a claim for my roof, due to hail damage. They only took 3 months to get a check to me. Plus, every time I called they would not call for two to three days. They lost me as a customer and I will never have them again!!!!
Zero Stars - 300% rate Increase, May, 2015
We have had Farmers home owners insurance on our rural home for 18 years. Recently the premium went from $2400 per year to over $6000. We have had no claims. Coverage had not changed over the last year.
ok. but no other options available, April, 2015
If there were other local choices available I would consider using another company. I do mot know of any other insurance companies around that would insurance my home.
Worst Claims service I have ever experienced, July, 2014
For a company that prides themselves on "award winning claims service", I have had the worst experience with my most recent claim.
In early May I had a contractor out to my house to look at my roof as I was getting ready to sell my house. He told me here was significant storm damage and my insurance company would be able to provide me a new roof.
The adjuster examined the roof, determined they would replace 99 shingles, but would not approve the new roof. Fine, thought I was done.
A week after the contractor finished my roof started leaking. I got a new contractor, who also told me I had significant storm damage. I re-opened the claim and the adjuster still would not approve a new roof, nor would she come out to re-evaluate the situation. I called her supervisor and request a new adjuster.
The new adjuster came out (10 days later). Told my contractor he would be there at 10:30, showed up 30 minutes early, so the contractor had to rush over to my house to meet him. This time the new roof was approved.
That was ten days ago, since then I have received several excuses to tell me why he hasn't completed my estimate. (Vacation, too busy, computer problems) I do not get timely responses to my inquiries, and he does not complete any task in the time frames he tells me and I still do not have an estimate.
I have had a tarp on my roof for over a month. I still can't even get my house on the market to sell it and my stress level has gone through the roof. I will never work with Farmer's again. This has been the worst customer service experience I have ever dealt with.
My actual agent is very nice though, once I got her involved, I have seen more progress in the last 4 hours then I have in the last ten days.
outrageously expensive, June, 2014
Framers is raising their prices by the minute. My policy went up $500 in 2 years.this is 50% increase. wow. I have no claim. Just switched to Travelers and it is $600 less for the same coverage.
Always fair and prompt, May, 2014
Have had Pekin/Farmers for 16 years had a claim for water damage and they were prompt and fair in all of their dealings with me
Farmers Experience, June, 2013
Excellent Customer Service but homeowner rate increased way too much (more than originally quoted) after cars were taken off of the policy. Cost of Homeowners policy alone is average, but certainly not the best.
Failure of Good Faith and Fair Dealing, June, 2013
I carry both car and homeowner's insurance with Farmers's. I have not had a claim on either until recently a small rainstorm came over and a tree on my property fell over into a neighbor's property damaging a shed, the fence and other miscellaneous property. The other neighbor was also insured for car and home with Farmer's. I filed a claim with Farmer's Homeowner's and it took them over a week to send an adjuster out which is absurd as there was not a calamitous storm involved. Additionally, from the outset, the adjuster on the phone was not the least concerned with either party but was only concerned in trying to find ways to weasel out of the claim to save Farmer's money. Additionally, the adjuster belittled me to my face and talked down to me and accused me of manufacturing negligence. FARMERS IS NOT A REPUTABLE COMPANY IN MY ESTIMATION OF THEM. I intend to cancel my homeowner's insurance with Farmer's as soon as this matter is resolved. I will make the other person whole, out of my own pocket, because it is the right thing to do. Farmers does not care in the least about it's policyholder's and will not, in good faith, honor their contractual obligations, in my opinion. It is my belief that the Farmer's Claim Adjuster did not act with Good Faith and Fair Dealing as required by Law. There is no point in paying premiums to an insurance company that has already decided to deny a claim even before any pertinent facts have been presented to them.
No complaints, August, 2012
Have no complaints.Our agent has always been available for any thing we need in amore than timely matter if not immediately.
Bad Business Practices, February, 2016
I've been a Farmers customer for 10 years with no loss (so I thought) till they started to reduce coverage and increase prices beyond their competition. Shopping around I got aware that they have entered my information in a public insurance database for customers with losses and refuse to remove this false information. The whole reported loss was me inquiring 2 years ago if a theft was covered or not under my homeowners policy. Turned out it was not covered, I didn't file a claim, and so I thought case closed. Back then it was a pain to find out if my loss was covered since non employee seems to be educated to answer policy questions! Now 2 years later while shopping around I notice that they've reported me as customer with LOSS for a $0 claim damaging my reputation as insurance customers for other companies and actively refuse to correct their mistake. Thanks Farmers!
01/04/2016, January, 2016
I switched to farmers for better coverage on our 5 cars and 2 houses. That was a joke. My agent Katrina Scheeter gave me a quote. I accepted. When the policy came it had less auto coverage. She did not lock in the policy so the amount I requested would cost me more than she had quoted. My son in law was listed as a my 16 year old son and as a driver on my policy. He was 26 and had his own Farmer's policy. When I tried to call Ms Scheeter she was only interested in asking me if I had heard from her husband, who was also with Farmer's, and had come with her to sell me my policies. It seems that he had taken their children and left. She wanted me to call him to see if I could find out what state he was in. She was not very interested in answering my policy questions. I requested a new agent. I only got a new agent when I was told she no longer worked for the company. I requested an agent that was closer to home. I filled out the paperwork twice. I finally got all but one policy transferred. After 4 requests I gave up. I had a claim after 3 or 4 years for vandalism on my rental. Farmers promptly declined to renew my policy. The amount they paid was around $5000 and I had paid them over $12000 in premiums. I had to argue that the garage was covered. The adjuster said he had to follow the policy to Michigan to find that it was covered. It was clearly written on my policy that it was covered but he could not find it on the policy he had. It was a mess. So now I will have to pay someone else higher premiums because they chose to not renew my rental home policy. (Other companies now ask if you have had a policy nonrenewed and it will cost you if you have had one that is not renewed.) It makes me feel like they want only clients who pay and pay and never have a claim. It does not work like that in the real world. Damage happens. If damage never happened I would not need insurance.
Shopping for better rate, March, 2014
I insured my home with Farmers around 10 years ago. They offered the best rate for basic coverage. In those 10 years I have had only one claim. Resolving that claim was no more of a headache than dealing with any other insurance company - no less of a headache either. Now they want to increase my rate by 25% over last year & increase my deductible to over $4000 for the same policy. When I called my agent to ask for an explanation, I was told that Hurricane Sandy has proven that storms can hit anywhere & the insurance company has realized they might actually have to pay off. The premiums have been raised across the board to reflect this newly realized risk to the insurance company. I'm shopping for a better rate & a more reasonable deductible.
Terrible Service, May, 2015
I had a claim with Farmers in which took 30 days to resolve.
I originally bought Farmers home insurance because they had what I thought was excellent customer service. Farmers is by far more expensive than most, which is fine if they cover you in your time of need. I've been a client for over 20 years and had never filled a claim. I always assume you get what you pay for but this wasn't the truth in this situation. During the claim I was transferred three times to different agents. It seemed like know one knew what to do. I was finally put on with one of the agents. It started off terrible and the service stayed the same. The agent was incredibly hard to get a hold of. I would hear from her a couple days after calling multiple times and leaving voicemails. She took two vacations which was partly the reason it took so long. She never kept me in the loop. When the verdict came, they had every excuse in the book why they wouldn't cover me. Not that I expected to be covered but I expect better customer service. I thought that maybe 20+ years and multiple policies that that might mean something but I guess not.
I will never ever pay a single dollar to farmers insurance. Not saying another insurance would of covered me but I expected more since the polices were 40-50% higher than other quotes Ive had over the years and a long relationship stating. The claim was small and was only a small portion of what I pay annually. So money was never the issue.
Do not over pay with Farmers. Use Progressive, nationwide, AAA, State Farm, ECT.
home insurance, August, 2012
2 years with farmers' insurance very good company but unexpectedly the insurance deductible increase by $107, never expected it
Worst claim experience ever , June, 2016
Made a claim on my roof and the adjuster totally dropped the ball. She told me to go with another roofing company after we had signed a contract. I come to find out after I signed and paid a new contractor, that the mistakes were on her side. I never got an apology or compensation. I will be dropping farmers after this nightmare is over. You just lost a customer of fifteen years and lots of money from me will be going elsewhere.
Claim filed when nothing was paid, cost us $$$, September, 2015
We called our agent after all our neighbors were having their roofs replaced due to a hail storm. They recommended an inspector come take a look, who denied any damage (although the neighbors are 12' away) and then filed a claim against us that has cost us 3 years of a claim free discount. Their practices can best described as legalized crime. Worse experience ever with any company.
Getting expensive, August, 2012
Farmers always gave low premiums thru the years,perfect coverages,helpfull knowledgeable agents and good discounts until now that the premiums are getting too high despite zero claims on my part.
Farmers is a well known responsible company. Their customer service is good but their rates keep increasing even though I have not made a claim and maintain my property very well. I just want to see if I can get a better rate elsewhere.
ins rate increase , May, 2013
This is an awesome ins co. but the ins rate increase is just too much. From 712 pr year to 939 pr year is too much for the same coverage as they changed carriers. I am on social security and have no other means of support , not even savings Just this month, medicare supplement ins increased, appraisal taxes increased and medicare insurance increased and homeowners insurance increased, yet our SS did NOT increase. Two thousand a month barely pays all these and utilities as is . We can not afford higher rates for the SAME coverage just because it's a different carrier. Thanks for listining
Cost increase, May, 2013
Price was great until this year. The company will increase my insurance $300. I will now search for different insuranc.
High premium, June, 2013
Good customer service, good claim department but premium is high and increase more than 35% in last couple years for same coverage on auto and home.
Rising premiums, February, 2013
Good company, excellent coverage, timely response to claims overall good company. rising premium costs getting too expensive for fixed income.
worst experience ever, July, 2015
we had a sewer line back up that flooded our whole house. Took a week to get a call back after making a claim. I was told somebody was coming out for an estimate and next you know the people were tearing apart my house without anything being explained to me. my house is not livable now but they have yet to help me get a hotel. I'm fully covered for this but I'm learning I work on there time. I've been promised so many people will call me but yet only 1 out of 10 have and me and my family are in a house that is averaging 98 degrees due to the fans that were put in my house for the damage. I was told by my agent that it is monsoon season so they're very busy and he sorry that there's nothing he can do....even though I'm covered.oh but wait they do say that I can go to a hotel and pay for it myself and give them the receipts and eventually I can be refunded but for those of us that don't have the money up and go to a hotel we're pretty much screwed.
A Great Experience, February, 2013
I have nothing but good things to say about my experience with Farmers Insurance. No one ever wants to deal with an auto or home claim, but I have too on both fronts. Farmers claim service was nothing but quick, fair, and extremely professional. The only reason to choose a different company is a better price for the same exceptional service.
Little money for big job, July, 2015
I had a water leak that damaged the walls and hard wood floors, The insurance refuse to pay for the pipes, However being a female the adjuster did not pay me any attention. I have mold and mildrew in my walls. He did not even allow for the damage even after I explained to him that my pipes ar connected together and I knew the lay out of my home. Just like I explain to him the water had damaged my interior of the walls. I questioned myself whether or not to hire an attorney. Once the sheet rock was removed my entire kitchen, hallway , and bathroom walls was wet. The adjuster returned and took more pictures. I have an estimate of 10,000 , If angered me because the hard wood alone , and customer kitchen cabinet will consume a great bit of the 10 gran
Home Owners Policy, August, 2013
Relationship was excellent,great communications and excellent web site.Shocked when I received my bill for the next twelve months. 60+% increase which indicates I was given a low cost to entice me to change carriers. I plan on discussing my concerns with my agent tomorrow,hope my assumption is not valid.
Insurance Agency, February, 2015
Our family had insurance with Farmers for many years. We inherited the house from our mother. Farmers had insured the house for 60 years so we went with them again. They cancelled coverage about a month later. They sent us a refund of our unused premium, and a notice that they would help us secure coverage. The Fitzsimonds agent was unwilling to do anything of the kind. We readily received coverage from another provider and Farmers lost a long time customer.
Cannot afford 35% increase every year, April, 2015
Been with Farmers over 20 years. Last year they sent me a renewal with 35% increase. I called to complain and it was removed. This year same thing but when called, just got a "so what, everyone elses when up too". I cannot afford 35% every year and will be changing this year. When they do handle claims it is well handled but cannot afford their prices anymore.
PREMIUMS INCREASE EVERY YEAR!, February, 2016
We have been with Farmers since 1980. Our homeowners insurance premium has increased 400-500 a year for the past 3 years. We filed one claim in 2007 when we were evacuated for a wild fire in which our home was not touched but had to relocate for 2 weeks. We cannot afford their increases any longer. I found another "major" company that is insuring our home for 1,000 less per year and our cars for 500 less per year. Upon canceling our polices through our new agent our first cancellation request was ignored until I and the insurance agent both had to call them. Very disappointed after so many years!
good, February, 2013
Farmers is good co. just make sure you have your paperwork and get ready for attitude from employees that seem they dont really want to be bothered
Okaky, January, 2014
Had policy for several years however the current rate increase after no claims is extreme and the coverage is no better. It does not make sense to increase a premium when there have never been claims.
huge rate increase, April, 2013
Farmers raised our home insurance in MN 50% for 2013. Unreal. We are going elsewhere. The State of Minn should have a more rigorous process for reviewing rate increases.
Incompetent, March, 2016
I canceled my policy in February so it would run out in March. I got a confirmation email. I just got notified by my mortgage company that they did not cancel so they had to pay them. Now I am fighting to get my money back and to even get them to cancel my policy like they already said they had.
Then she told me they did not have a record of my sending an email - but when I could read the entire thing back it seemed to show up.
I just found out they will process the cancellation back to the date they were supposed to and give my money back so I can put it back into escrow.
It should not have been this difficult. I had a bad experience with another agent from Farmers. No I know they are all the same.
Buyer beware, March, 2016
My claim received a quick response, but after that, nothing good to say. This company's adjusters will nickel-and-dime you to death, without mercy.
Go somewhere else for insurance.
Big Price Jump, February, 2013
Farmers price increased over 50 percent for no apparent reason
Weighing my options, Increasing costs, February, 2015
Got a call from my agent today to discuss policy going up again, in the last two years it went up twice for a total of $171 more than the previous year, it was explained to me that due to monsoon damages in AZ all ins companies were higher, but this year should be less as re-building costs have come down. Well not true, we have 2 homes and 2 cars with them, one was a rental which we took off the rental market, which should have brought the cost down, but they found a way to keep it up even if one of us lived in it, the price would not change, that didn't seem right to me. No matter how we get coverage the cost seems to stay the same or rise. What is the benefit of staying with one company? I am shopping around.
looking to find a different insurance co., July, 2013
over all satisfied with this company, but looking for a less expensive company. I also have a rental house and my personal vehicle included with Farmers.
price increase, March, 2013
Only problem is the rate increase.
CURRENT POLICY, May, 2013
Farmer's Insurance is moving out of LA. Farmers will not be renewing my policy. MY POLICY EXPIRES ON JULY 11, 2013.
Bummed, February, 2013
Handled great the claims we made, but now those claims are hurting us in obtaining insurance.
the only part of farmers we are not happy with is our home coverage
great if you NEVER file a claim, February, 2014
have always had farmers insurance, over 20 yrs. Have both auto and home, had more than 4 autos and 2 homes so needless to say I've paid them a TON of money.
Well after a power surge fried my new stainless steel refrigerator, I called their 800 claims number. Immediately was talked to as if I was lying, or trying to defraud the company. Then he says, well after the deductible, your rate hike, you might as well go buy a new one on your own!
Then the icing on the cake...he wants to send a repair person out to "fix" it vs replace it.
So after 20 yrs, no claims, no wrecks, nothing, one refrigerator replacement they are losing a top rated customer. The government needs to step in and take over insurance now too, not just banks because obviously they are complete ripoffs!!
run by stupid people, August, 2013
Last year I was told that I needed to replace the roof on my house or my rates would go up 30%. The roof was 20 years old, rated for 25 years - it was in great shape! Farmers never even looked at it. I replaced the roof and this year my rates went up 50%. Like my agent - hate the company. I will be with another company next year.
THE LOSS IS TRULY OUR LOSS, March, 2013
Because of the two recent misfortunes my husband and I suffered, Foremost/Farmers has chosen not to reinsure our new home. I have always felt very safe with Farmers/Foremost and now not even sure if we can obtain insurance, through no fault of our own.
Not worth the price, March, 2013
I went with Farmers when I purchased a new home because their rates were so much cheaper than anyone else. Sadly, those rates lasted only a couple of months. In December I was notified that my premium had actually doubled. Not only was this going to obviously increase my rates for the future, but I was notified that the premium was for the year. So, I was also short payments for the past 11 months. When I called my agent, there was no explanation other than "things change" and no way to reduce my rate. I have since shopped around and around and found that every single agency I have received a quote from is now cheaper than Farmers.
15 years, February, 2015
15 years without a claim. now with a claim farmers states that they are not responsible reason: because damage was caused by ... guess they are experienced with different environment of the area. when in truth not true even though pictures are available. nice job farmers when customers need your help, especially when they are loyal. guess loyalty is not your strong suit
high rates, August, 2012
i separated from my husband and my credit rating has lowered so Farmers raised my home insurance
Sucks, July, 2015
The place next to us burnt down and Farmers will not use adjacent structure clause. They say the old neighbor was not negligent. B.S. it was an electrical fire with all kinds of scabbed in wiring. Another crooked insurance company
homeowners insurance, July, 2015
stay away from this company. I had a loss and it took them over 3 months to process the claim. The excuse was that the adjuster was on vacation or she was busy. The billing is very confusing and very expensive.
Good bye!, April, 2015
Nothing bad to say about the auto policies but the home insurance.....that's another story. My husband has had Farmers for over 15 years, started with just auto. Then he purchased a home - about 10 years ago - and his obvious choice was Farmers. Started at $1700 which was good considering he (now we) live near the city and it's a rental property. He left it at that, never paid attention to policies/premiums - just always assumed his agent was taking care of him. Recently, he had his taxes done and discovered that for the last 3 years his premium had gone up to over $2700. We did have our roof replaced about 6 years ago so that may be the reason, but we aren't sure. He contacted our agent for this years premiums and when it renews in a couple months, it will be almost $3600!!!!!! We've already contacted other agencies and have been getting quoted under $2000. That is a HUGE difference. We know our agent isn't at fault and can't control the premium pricing but we will be leaving Farmers. House, 3 vehicles and motorcycle. Can't justify spending double. Way to rip people off Farmers! Just keep screwing the people who just pay regardless!
Worst Home Owners Insurance Ever!, February, 2015
We have had continuous home owners insurance coverage for almost 30 years from Farmers. Our experience has been that they usually find an excuse for why they won't cover this or that. We probably should have found a different insurance company long ago. We recently had a lot of snow for our desert area that caused a significant roof leak, which caused our ceiling to collapse! Besides that damage, there is damage to the wall & wood floors. Now I did not expect Farmers to cover a new roof, but I certainly expected my home owners insurance to cover the interior damage! Not a cent! Why in the world do I have to carry an expensive insurance that literally covers nothing!
35 Yrs of Service, October, 2014
They were my Ins.company for 35 yrs. and I was happy till for no reason I got cancelled.
continue increases, July, 2014
seeking other options, that less expensive. the cost is just high.
Accelerating Costs, March, 2013
I was there 20 yrs last 4 costs have accelerated no matter how much you insured too costly
Brian K Ward , February, 2013
Would keep insurance with Farmers but the rates have gone extremely high. Mr Ward is very knowledgeable and has great customer service. I would recommend him to everyone.
Farmers Insurance Group, October, 2012
The agent was most helpful, and policy covered everything I needed and more - at a very competitive cost. Also love having automatic withdrawals for premium payments. Have changed both home and auto policies to Farmers!
Do not use!!!, April, 2014
I just have a situation and they try to find out all kind of reasons to do not pay. They suggested me to use a company fir water restoration and they paid a HUGE amount to this company. No money remains for paying the repairs.
I'm going to make a complain to the Department of Insurance.
INCREASE IN COST, March, 2013
I have been with farmers for years. They have increased my homeowners insurance. I live in Colorado the agent said it was due to the wildfires. I am shopping around if I switch to another company I would save about $800.00 per year. Farmers insurance is a rip off!!!
look elsewhere, February, 2013
just like the title says policy renew jumped over 1000.00 after 1st year for no reason. sent 1 bill for renew at 800 then a week later over 1000.00 so stay away from them money is to hard to earn these days.
Don't pay for this so-called insurance, January, 2013
We had a flood in our condo. Farmers refused to pay to have it dried out and refused to pay for the floor covering, claiming it was part of the structure. The policy is clear and we will eventually get the money in small claims court but should not have to go through that. Stay far away from Farmers.
$200 increase each year, August, 2014
Third year with Farmers ...no claims yet my insurance amount has increase about $ 200 each year.... I can't afford this type of increase
Very Happy, February, 2013
I took Farmers based on price and (unfortunately) had a fire in my condo. The response of their adjustors was prompt, helpful and kind. I highly recommend them!
insurance, January, 2014
it was good . but its a little high in cost to renew needs to be a little cheaper not more higher.
I have been with Farmers since I was 16 (1984) with my auto policy. They have provided excellent service but they have been on the expensive side and money is just to tight right now. I can save over $600.00 with a different policy.
Robbed twice, December, 2014
28,000.00 dollars worth of items stolen. Farmers did not even cover half. 11,315.00 is all they will pay. The robbers did it for drugs or because they are low life's but Farmers robbed me for greed, which is worse. Stay away from these crooks!
Farmers Home Owner Insurance, October, 2012
Have never had a claim with Farmers Home Owners Insurance. I don't know how they would be on Homeowner claim.
Very Friendly, July, 2015
I was dropped after a claim for water damage
Looks promising, June, 2015
Just trying to get life things I order for steady duration. Need solidity no more changes. Feel good about my choices. Hope all pans out. Got good recommendation.
1208 Bay Rd., East Pall Alto CA 94303, January, 2015
Splited single family house into duplex.
One unit for self occupation;
one unit for rent. please provide quote as described.
service, November, 2014
agent is friendly, gets back to you
Fesmire homestead, October, 2014
We're happy with Farmers, but on a budget and renewal time is fast approaching so we're shopping our options.
Farmers Insurance, June, 2014
Good agents and customer service. Never had to use them for claim. I suspect they are expensive.
owner, January, 2014
farmers moved out of louisiana no longer writing house business. were the best on market. good agent for coverage added
Farmers insurance is in Minnesota and we moved to Florida
Love this company, December, 2013
I love this company. Great policy, billing and customer service. I am very likely to renew with them. I have been a customer for almost three years now. I like the calendar they send every year.
very good, November, 2013
claim was handled very quickly and service was personalized within two weeks the claim check was sent out I would rate the overall handling of the claim as excellent.
don't know what you want.
2/16/13, February, 2013
I chose Farmers years ago because it was time to check around and they had the best rates at the time.
Lower Cost, February, 2013
Comparing Lower Costs
Agent satisfaction, November, 2012
Very pleased with the care of the agent
No renewal, October, 2012
Unable to renew with this company because they no longer service manufactured/mobile homes. This is the company servicing the past owner of the property, and she was very satisfied with them.
New insurance rates, September, 2012
Trying to see if we can get a better rate
Happy, August, 2012
They are good but they aren't in every State
Farmers is a great company, August, 2012
Great company to work with, and reasonable prices.
THEY ARE A SCAM, August, 2020
WORST INSURANCE COMPANY EVER. Save yourself the hassle and go to a more reputable company. This company is quick to take your money but when you file a claim, they will NOT-under ANY circumstance-pay up. We filed two claims with them, which costed us over $25k from our pocket, and they wouldn't pay anything. In fact, when Farmers did their "investigation", they called the flood company and asked ONE question and HUNG UP ON THEM! They were unprofessional and denied us on bad faith. They DO NOT PAY any claims-at all. My neighbors had the same problems with them and they were also told that they do not pay for their claims. I can't believe the trouble we had to go through with them for months.
Don't bother, May, 2020
A real waste of time and money as well as faith misplaced. Every claim was treated like a big inconvenience. Yes a claim number fast. Then you are on your own and many pages of clauses they DON'T cover. Small fee to a vendor to dismiss you. Hartford of another property owner paid us well, Farmers nothing. Go elsewhere.
Good agent took over, June, 2018
I was switched to a new agent in December but they have done very well keeping up with my needs
Not Reccommended, May, 2017
Filed 1(one) claim on my house due to sewer backing up and they told me several times that Farmers no longer insures in Louisiana. Farmers had pulled out of Louisiana. I think they are lying and just dropped me because I made a claim....
terrible, March, 2017
one of the worst companies to deal with, every time you call, they act like you never called at all. very incompetent, its amazing how this company got this big, with such a lousy customer service.
Increased premiums and Hard to Cancel, February, 2017
After two years, I decided to switch insurers due to consolidation discounts with another insurer. Upon cancelling, I learned that the premiums in my escrow had gone up by over $600 and I have no recollection of being notified of this, and now six months later, I am still calling and trying to get the over-paid amounts back to refund my escrow account. It wasn't a total nightmare, but it was not a quick and easy process either.
Homeowners Policy Payment With Farmers, January, 2017
Had gotten a Homeowner's Policy from Farmers in October and cancelled in November. Farmers was given escrow money for my insurance through my mortgage company.
I have constantly been calling regarding a billing issue about a payment statement I keep getting in the mail.
After calling Farmers customer service reps for at least an hour on January 14, for which I was getting phone silence, where you know someone picks up, but doesn't say anything and then hangs up.
I finally get the 4th Customer Service Rep that tells me that they applied another homeowner's escrow to my account in error.
Now they are saying that the amount is going to collections.
Farmers was very hard to deal with.
"Yo No Say Situation, December, 2016
I like Farmers ins. There was a few snags in the home policy which I had to change my self. No one should have to do anything.
Don't buy insurance from farmers of Salem, September, 2016
They will drop you for any reason and won't even let you know if there is a problem that will cause you to be dropped let alone give you prior notice so that you can address the problem. I would hate to think what would happen if I turned in a claim.
Home owner with Horrible Claim Experience, July, 2016
I have the most worst experience when I file for homeowner insurance claim. I have never file any homeowner insurance claim for my primary residence. When I filed claim, I carefully confirmed every step that I need do with the insurance adjuster. At the end, Farmers insurance adjuster determined that the water damage in my home won't be covered. I hired a licensed plummer, who is the expert, he told me that all other insurance covers the water damage. Out of frustration, I contacted the supervisor and claim department. The supervisor stated what adjuster told me. I contacted claim department the claim department only allowed to give me the supervisors phone number, they will not do anything. When I talk to my assurance agent about my frustration, he told me that there is nothing he can do to help me. We have been with Farms Homeowner Insurance for long time, this is how they trade their customers. Stay with farmers or not judge for yourself.
Great, July, 2016
Agent is nice. Hard to collect on claims., May, 2016
Not satisfied with claims payments. Very hard to deal with. Were ok on auto claim but very difficult on homeowners.
excellent, February, 2016
Very good but don't want a phone call. give me the agents # & I will call at my conveinience
Outstanding Agent, October, 2015
Shawn Hellebuyck in the Tucson, AZ office is the most professional, knowledgeable, helpful, resourceful insurance agent I have ever had. I have both car and homeowners insurance with Farmers and there aren't enough kind words that I can say about this company and this particular agent. If Shawn is not immediately available, she returns phone calls promptly. I have needed her advice numerous times and that advice has always been spot on. Furthermore, Shawn follows up on her clients to make sure the situation has been resolved to , at least this customer's, satisfaction. She is an outstanding agent.
Would not cover sewage leak with flood insurance, September, 2015
I have been a loyal customer with Farmers insurance for 6 years. When I submitted a claim for a severed sewage line they denied it. They stated the severed line had not been discovered in time (~2 wks) and they would not cover any cleanup or repairs. Seems ridiculous that flood insurance does not cover a cracked sewage line.
I then went to cancel my insurance and they put me on hold for 10 minutes. I wish I had given my money to a more reputable company that stands behind they're word for the past 6 years. I highly recommend a choosing different agency.
We have homeowner's and a separate wind policy.
Need to check if the policy is still competitive.
Are there any policies that combine wind south of I-10
No problems, looking for price, May, 2015
Farmers has difficulty insuring older homes. Farmers insurence agent needs receipts for goods and services to show the extent that house has been updated.
Terrible! John Parker in Plano, TX is deceptive., May, 2015
John Parker in Plano TX made changes to our policy without notifying us, sent us a bill 10 months after we paid our policy in full, and wanted us to pay for mistakes his office made. He quoted us a low price, got our business, and then made changes and sent us a bill 10 months after the fact. Bait and switch.
Great!, March, 2015
Personal great service. Always available , even after hours. Really helpfull when it came down to filing claims.
Can't Complain, March, 2015
Very helpful with things in insurance that you don't understand. Did everything for us so was very easy and reliable
very good overall, March, 2015
Very good service and good rates. Easy to communicate with. This is a very highly recommended company with good reviews.
The worst there is, February, 2015
back in 2008 we got hit by Hurricane Ike, all of our neighbors got theirs roof replaced, no questions asked, 7 years later and many, many claims Farmers homeowners insurance does not see the need to replace our roofs, we had 3 houses and 3 cars "covered" by them... NOT ANY MORE... We just Move with Liberty Mutual.
Great Company, January, 2015
I have been with this company for 8 yrs, ever since the home has been built and a tornado went through and did lots of damage in 2011. I am checking prices to see currently to see if I can save money. I understand it is beneficial to check options ever so often.
Good company good service a bit higher priced than some other companies
Shopping for better rate, October, 2014
No complaints except cost of insurance
Unable to contact agent. Won't return calls. Renewal price tripled.
Home owners, March, 2014
Great customer service although price is high and discounts are limited.
william kueffoua, November, 2013
discriminated and cancelled policy with no further option. very bad and discrimination experience with customer service over the phone.
Norbert Leipzig, November, 2013
My current insurance company is Citzens but I couldn'tcontinue unless I picked a insurance co. and Citizens was not on your choices
Had renters insurance now need homeowners, August, 2013
Farmer's was fine but I had rental policy and am now purchasing the home so need homeowner's insurance. The price was good compared to others I checked.
Price hike, July, 2013
We have had farmers for 5 years, always loved their service. I noticed last year my mortgage going up and did some research, my homeowners insurance had gone up. The same thing happened this year. My homeowners policy went up $920 in 2 years. I have never filed a single claim against my homeowners insurance. This is totally uncalled for!! Beware of farmers... Great service for car, unexplained price gouging on home owners...
Farmers, June, 2013
We have been very happy with Farmers Insurance. We keep being told on TV that this one or that one would be cheaper, however they don't cover everything like Farmers does.
Farmers discontinued writing homeowners insurance in Louisiana
Leaving after rate hike, June, 2013
I just left Farmers insurance after the recent rate hike. Home owners went up over $100 and automobile insurance costs were up considerably.
Rates jumped up $400, June, 2013
Farmers Insurance company changed my coverage resulting in overcoverage and a giant rate increase, without asking me. Changed deductible to percentage - is this the new unwelcome thing with insurers?
Hoccheim Prairie Insurance, April, 2013
Excellent insurance company; like others, looking for cost comparisons for same services. However, will check out company's record before deciding.
Hurricane Ins Questions, April, 2013
Been with Farmers over 25 years and love them
Purchase of home, April, 2013
Looking to obtain homeowners insurance.
Great Agent prices too high, April, 2013
Debra Mostue is a great agent but the company put us in a box for price.
In June 2013 will be over 3yr. without claim.
good, December, 2012
great peple, great price and personal interest and they help you when you need it. Keep you informed about changes.