- Our thoughts on Farmers
- Where can you buy Farmers homeowners insurance?
- What does Farmers homeowners insurance cover?
- How much is Farmers home insurance?
- Farmers home insurance discounts
- What makes Farmers home insurance rates go up?
- Farmers vs. competitors: How does Farmers stack up?
- What do people ask about Farmers?
- Is Farmers a good homeowners insurance company?
- Methodology
Our thoughts on Farmers
Farmers homeowners insurance rates are higher than average, although costs vary from place to place.
“Insurance is a long-term commitment, and the overall quality, service, and trustworthiness of the company are just as important, if not more so, than the immediate cost,” says Siwei Gao, professor of insurance studies at Eastern Kentucky University.
In 2025, Farmers ranked a little below average on J.D. Power’s Property Claims Satisfaction survey, climbing from 7th the year before. It also landed below average on J.D. Power's overall home insurance satisfaction survey.
Farmers ranked in fifth place on our Best Home Insurance Companies survey for 2026, below major competitors like Allstate and State Farm. However, our survey found that Farmers customers largely plan to renew with the company, and 90% say they trust the company. And Farmers has a solid financial rating with AM Best.
Overall: Farmers rates a little above average, but the carrier has a solid list of discounts that could bring down rates. It scores well across the survey, although it didn’t top any categories, and has a strong financial rating.
Where can you buy Farmers homeowners insurance?
Although Farmers homeowners insurance policies exist in all 50 states and D.C., it has pulled back some business in California and new Farmers-branded policies are not available in Florida (although other Farmers Insurance Group companies still offer coverage).
| State | Average annual premium |
|---|---|
| Alabama | $2,441 |
| Alaska | - |
| Arizona | $3,220 |
| Arkansas | $4,578 |
| California | $1,715 |
| Colorado | $4,810 |
| Connecticut | $2,262 |
| Delaware | - |
| Florida | - |
| Georgia | $2,547 |
| Hawaii | - |
| Idaho | $1,820 |
| Illinois | $3,273 |
| Indiana | $3,543 |
| Iowa | $3,101 |
| Kansas | $4,811 |
| Kentucky | - |
| Louisiana | $2,941 |
| Maine | $1,881 |
| Maryland | $1,639 |
| Massachusetts | - |
| Michigan | $2,824 |
| Minnesota | $2,679 |
| Mississippi | $4,851 |
| Missouri | $6,342 |
| Montana | $3,945 |
| Nebraska | $4,824 |
| Nevada | $1,641 |
| New Hampshire | $1,080 |
| New Jersey | $2,133 |
| New Mexico | $3,083 |
| New York | $3,330 |
| North Carolina | - |
| North Dakota | $4,653 |
| Ohio | $2,578 |
| Oklahoma | $7,313 |
| Oregon | $2,041 |
| Pennsylvania | $2,194 |
| Rhode Island | $2,245 |
| South Carolina | $3,793 |
| South Dakota | $4,791 |
| Tennessee | $3,772 |
| Texas | $4,430 |
| Utah | $1,537 |
| Vermont | $1,868 |
| Virginia | $3,164 |
| Washington | $1,598 |
| Washington, D.C. | - |
| West Virginia | - |
| Wisconsin | $1,815 |
| Wyoming | $2,301 |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
What does Farmers homeowners insurance cover?
Farmers home insurance coverage provides everything included in a standard home policy. It covers all of the basics:
- Your house (dwelling coverage)
- Any detached structures on your property (other structures)
- All of the contents of your house (personal property)
- Extra bills incurred when you can’t live at home due to a covered loss (loss of use/additional living expenses)
- Damages or injuries to others caused by you or occurring on your property (personal liability and medical payments)
You can enhance your Farmers home insurance policy with endorsements like:
- Schedule personal property (high-value items)
- Increased loss of use
- Guaranteed replacement cost
- Building ordinance or law (cost to repair to new standards)
- Sewer and drain water damage (water backup)
- Identity Shield (identity theft coverage)
Farmers home insurance exclusions are standard:
- No coverage for floods and earthquakes (earthquake coverage can be endorsed).
- Coverage limits on certain types of personal property, like jewelry, fine art, musical instruments and sports equipment.
- No coverage for excluded perils like war and terrorism, nuclear hazards, animal and pest damage and water and sewer backup (unless endorsed).
How much is Farmers home insurance?
The average Farmers home insurance rate nationwide at the $300,000 dwelling coverage level is $2,820, with a $1,000 deductible. The amount of dwelling coverage has a much bigger impact on rates than the amount of liability coverage, as shown in the table below. Your Farmers home insurance quote will vary.
| Coverage level ($1,000 deductible) | Average annual rate |
|---|---|
| $200,000 dwelling, $100,000 Liability | $2,003 |
| $200,000 dwelling, $300,000 Liability | $2,032 |
| $300,000 dwelling, $100,000 Liability | $2,781 |
| $300,000 dwelling, $300,000 Liability | $2,820 |
| $400,000 dwelling, $100,000 Liability | $3,623 |
| $400,000 dwelling, $300,000 Liability | $3,667 |
| $600,000 dwelling, $100,000 Liability | $5,327 |
| $600,000 dwelling, $300,000 Liability | $5,377 |
| $1,000,000 dwelling, $100,000 Liability | $7,981 |
| $1,000,000 dwelling, $300,000 Liability | $8,048 |
Farmers home insurance discounts
Farmers offers a solid list of homeowners insurance discounts, the largest of which is the new home discount at 34%. But if you don’t own a new home, you can still combine several discounts for a better deal.
| Discount type | Average rate before discount | Average rate after discount | % discount |
|---|---|---|---|
| Advance purchase | $3,356 | $3,177 | 5% |
| Automatic payments | $3,106 | $3,027 | 2% |
| Bundle | $3,330 | $2,980 | 9% |
| Burglar alarm | $3,811 | $3,630 | 3% |
| Claims free | $2,248 | $2,229 | 1% |
| Deadbolt | $2,425 | $2,384 | 1% |
| Fire alarm | $3,862 | $3,674 | 4% |
| Hail-resistant roof | $6,952 | $6,658 | 4% |
| Loyalty | $3,817 | $3,781 | 1% |
| New home | $3,542 | $2,349 | 34% |
| Paid in full | $2,363 | $2,279 | 3% |
| Smoke detector | $3,967 | $3,899 | 2% |
| Sprinklers | $3,830 | $3,539 | 6% |
| Water safety system | $3,163 | $3,024 | 4% |
What makes Farmers home insurance rates go up?
Like all insurance companies, Farmers will increase your rates when the home has certain types of risk. Below are some common surcharges and how much they’ll cost you at Farmers.
| Reason | Average rate before | Average rate after | % increase |
|---|---|---|---|
| Claims | $3,389 | $4,665 | 34% |
| Distance from coast | $3,185 | $3,197 | 0% |
| Dog (certain breeds) | $4,282 | $4,755 | 13% |
| Home-based business | $2,539 | $3,005 | 23% |
| Pool | $4,282 | $4,755 | 13% |
| Smoker | $3,232 | $3,297 | 1% |
| Trampoline | $4,282 | $4,755 | 13% |
| Wood-burning stove | $2,757 | $2,808 | 2% |
Farmers vs. competitors: How does Farmers stack up?
Farmers didn’t perform as well as top competitors in our survey, ranking lower in many areas. The company also has higher-than-average rates, but it isn’t the most expensive, at least compared to the nationwide average; it may be cheaper in your area.
| Company | Average annual rate | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|---|
| Farmers | $2,820 | 84% | 84% | 83% |
| Allstate | $2,049 | 81% | 89% | 88% |
| Amica | $1,510 | 78% | 78% | 79% |
| Erie | $2,783 | 93% | 92% | 93% |
| Nationwide | $2,983 | 85% | 85% | 85% |
| Progressive | $4,227 | 76% | 79% | 77% |
| State Farm | $2,448 | 85% | 92% | 86% |
| Travelers | $2,235 | 84% | 91% | 89% |
What do people ask about Farmers?
Home insurance can be confusing, and many people have the same questions. Below, we’ve answered some common ones about Farmers.
Did Farmers Insurance leave California?
No. Farmers pulled back in California, limiting new business due to the increased risk of wildfires and the cost associated with them, but has since reversed course.
How do I cancel my Farmers Insurance policy?
The easiest way to cancel a Farmers policy is to contact your agent. Alternatively, you can call the customer service line at 888-327-6335.
Why has my Farmers home insurance gone up?
Home insurance rates with Farmers and other carriers are increasing across the board as insurers respond to losses due to increases in severe weather. Farmers’ rates have gone up 48.7% since 2022, according to an S&P Global report – the second-largest increase among major carriers. However, rates still vary by location.
Is Farmers a good homeowners insurance company?
Farmers homeowners insurance reviews are mixed, and it’s important to remember that reviews are anecdotal. For everyone who had a negative experience with a company, some people had a good experience. Take a look below at how Farmers customers rated the company in several key areas; you’ll see that 87% plan to renew their policy – a good sign.
Do people trust Farmers?
Of the Farmers customers surveyed, a solid 90% said they trust the company. Allstate was the top national carrier in this category at 91%, with regional carrier Auto Club Enterprises winning at 100%.
| Company | Percent of customers who say they trust the company |
|---|---|
| Farmers | 90% |
| American Family | 87% |
| Progressive | 79% |
Do people recommend Farmers?
It wasn’t the most recommended company, but a solid 88% of Farmers customers said they’d recommend the company to others.
| Company | Percent of customers who would recommend the company to others |
|---|---|
| Farmers | 88% |
| Nationwide | 85% |
| Progressive | 82% |
Do people plan to renew with Farmers?
Most Farmers customers (93%) surveyed said they plan to renew their home insurance and stay with the company.
| Company | Percent of customers who plan to renew with the company |
|---|---|
| Farmers | 93% |
| Nationwide | 92% |
| State Farm | 90% |
Is Farmers good at paying claims?
In the 2025 J.D. Power claims survey for home insurance, Farmers scored 676 out of 1,000, which is below the industry average of 682. As we previously noted, that’s a drop from the year before; however, J.D. Power changed its methodology from last year and notes that the scores shouldn’t be compared. In our survey, 76% of customers said they were satisfied with the claims service.
Methodology
Insurance.com surveyed more than 2,000 insurance customers in the fall of 2025. The survey was conducted by online market research company Dynata.
Respondents were asked to name their home insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Insurance shopping and buying process
- Billing process
- Discounts offered
- Fair rate increases over time
- Older home coverage
- Extra coverage included as standard
- Home and auto bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current home insurance company
- I would recommend my home insurance company to others
- I trust my home insurance company
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For home insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
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