Farmers Home Home Insurance Review

By Policy Scout
Updated Jul 8, 2022
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Farmers Home Insurance Review


Available in all 50 states in the United States, Farmers home insurance offers a wide range of insurance packages that vary in price points and coverage levels. Farmers brands itself as a company that provides personalized coverage, which means you can add custom options and discounts to your plan that cater to your unique needs. Whether you’re insuring your family home, condo, or vacation home, Farmers has options that may work for you.

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According to the National Association of Insurance Commissioners (NAIC), Farmers is currently the fifth-largest underwriter of homeowners insurance in the United States, insuring 6 percent of the population.

Farmers touts their personalized attention and customization options as a hallmark of the experience they offer customers. With almost a century of experience in the insurance industry, Farmer’s slogan, “We know a thing or two because we’ve seen a thing or two,” rings true.

Although personalized coverage is common amongst homeowner insurance options, Farmers does have some standout custom features that will affect your coverage and premiums. These benefits are known as “Smart Plan Home” policies, which include optional add-ons such as identity shield, eco-rebuild, and contents replacement.

In terms of customer service and satisfaction, Farmers falls below the industry average. According to a J.D. Powers survey, Farmers received a mediocre 3 out of 5 in every category, including the claims process, policy information, billing process, and pricing. And although these run-of-the-mill ratings are not bad, they leave a lot of room for improvement.