When shopping for a new insurance policy, people often tend to gravitate toward company names that they recognize. Farmers is one such company, with agents serving policyholders in all 50 states.
Although it doesn’t boast much in the way of coverage options or discounts, Farmers tends to score high when it comes to customer satisfaction. Many like to take advantage of savings by bundling a Farmers homeowners policy with auto insurance.
A home insurance policy is an important purchase, so it’s wise to do some research before you buy. Visiting the website of each insurance company and requesting a quote can be time-consuming, but how else can you find the best pricing available?
Make sure to visit Insurify instead, where you’ll be able to compare home insurance quotes at once and find the home insurance products that best meet your needs.
Farmers Homeowners Insurance Reviews: Here’s what people are saying…
It’s nearly impossible to find one insurance company that has it all, but customers note that Farmers absolutely shines when it comes to what matters the most. In business since 1928, Farmers offers policyholders three options for home insurance, each featuring varying levels of personal property protection. Above all else, many note that its customer service is exceptional and that rates are reasonable.
Not everyone sings the praises of this company, however, as there have been some concerns when it comes to insurance claims and billing processes. On a few occasions, potential customers have stated that Farmers initiated coverage during the quote process before the customer actually agreed to purchase a policy. Although some describe Farmers as only looking out for itself, most are quite happy to continue doing business with the company.
Farmers Homeowners Insurance Quotes
Obtaining a quote from Farmers for your insurance needs is simple, as you can answer a few questions online and receive pricing information in a matter of minutes. If you have detailed questions, you can contact customer service at 1 (888) 327-6335 or find a local insurance agent. As Farmers aims to make its coverage as easy to understand as possible, you’ll be able to generate a quote in no time at all.
Depending on the policy limits that you choose, you’ll likely find that prices from Farmers are quite competitive. Customers can expect to spend anywhere between $1,500 and $2,200 per year on a policy. Farmers is one of the few companies that strikes a balance between affordability and great coverage, but keep in mind that your rates will depend on the age of your home, the value of your possessions, and a range of other factors.
What’s covered by Farmers home insurance?
You have three main options when shopping for a homeowner’s policy from Farmers, as the company aims to take the guesswork out of determining which features are most important. Each Smart Plan Home package is customizable with optional coverage, but the basics are as follows:
- The Standard plan includes basic options that aim to keep your insurance premium low.
- The Enhanced option lets you enjoy greater peace of mind when it comes to dwelling coverage, contents replacement, and more.
- The Premier policy combines all of the best coverage options from Farmers into one, giving homeowners a robust mixture of features.
Each insurance package may vary slightly, and at this time, the Premier plan isn’t available in California. If you’re interested in learning more about each option and want to personalize your policy, contact your local Farmers agent.
How does Farmers’ claims process work?
Filing an insurance claim with Farmers is simple, as customers can contact their local agent, call the claims department at 1 (800) 435-7764, or start a claim online. After providing as much information as you can about the incident, you’ll be contacted by an agent who will review the process with you in detail.
In many cases, an inspector will visit your home for an evaluation. This individual may take photographs and ask you additional questions about the incident. Farmers will then provide you with an estimate and issue you a payment based upon the findings of the inspection and your level of coverage.
Most customers are quite satisfied with the claims process and note that Farmers is prompt from start to finish. While others in the insurance industry tend to receive poor feedback regarding claims, Farmers stands head and shoulders above them all.
Farmers Home Insurance Discounts and Payment Methods
Unlike other insurance companies, Farmers doesn’t offer much in the way of policy discounts. While some customers are able to take advantage of employer savings or lower premiums based upon the materials used to build their home, the only discounts available are as follows:
- Savings if you remain claim-free for three consecutive years
- Lower rates for homes with safety features including fire alarms, deadbolts, and other burglar deterrents
- Non-smokers may qualify for lower premium costs
You can also save with Farmers by bundling your home policy with other products including life insurance or car insurance. Over time, you can even lower your deductible by earning $50 toward it each year you renew your policy, so while initial discounts may not be plentiful, there are other ways to save.
Making a payment on your home insurance policy is simple, as Farmers allows customers to call its payment center at 1 (888) 327-6335 24 hours a day, seven days a week. You can also create an account online or make a payment through the mobile app. Customers who want to mail a payment can use the following address:
PO Box 0991
Carol Stream, IL 60132-0991
Other Types of Home Insurance Coverage Offered by Farmers
Unlike other insurance providers, Farmers has a wide range of policies available for unique situations. You don’t have to own a home to enjoy replacement cost coverage, liability coverage, and more, as options are available for:
- Condos and townhomes
- Mobile and manufactured homes
- Seasonal properties, investment homes, or older buildings
- Vacant dwellings
Customers can also enroll in Identity Shield, protecting their credit and identity at a very low rate. If you’re interested in additional options like renter’s insurance or other policies, contact your local agent.
Farmers Home Insurance FAQ
Is Farmers a good option for property insurance?
Customers are able to customize their policy options, allowing for a range of coverage types and policy limits. If you’re looking for an insurance policy that meets your specific needs, Farmers is a great choice. Keep in mind that each homeowner will have different needs, so it’s best to explore all of your policy options before making a purchase.
Are claims easy to complete with Farmers?
Not only is it straightforward to file an insurance claim with Farmers, but you can enjoy savings options along the way. Claim forgiveness is available for some customers, ensuring that your rate won’t go up just for filing a claim. Its Declining Deductibles option also helps you to save money over time.
How expensive is Farmers home insurance?
Home insurance options can vary considerably, and Farmers may or may not be the most affordable policy in your area. For pricing information and to compare quotes from Farmers, Allstate, State Farm, and more, visit Insurify. There, you’ll be able to view policy options at a glance and determine if Farmers is the best option for your budget.
Conclusion: The best way to save on home insurance
Shopping for home insurance doesn’t have to be difficult, but it’s important to know what you’re looking for. Make sure to consider how much of an insurance premium you can afford as well as the coverage options that are most important to you.
Farmers Insurance Overview
Initially created to offer auto insurance, Farmers has grown since its beginnings in 1928 to offer a range of insurance products. It partners with over 48,000 independent agents across all 50 states and has one of the better reputations among its peers in the insurance industry.
Farmers receives high ratings from J.D. Power & Associates and the Better Business Bureau, as the company focuses on offering a high level of customer satisfaction. Those interested in home insurance, life insurance, or business products will find a range of coverage types to choose from. Online management of your account and access to both local agents and the Farmers customer service department makes working with the company easy.
In all, Farmers has continued to be one of the most trusted companies when it comes to home insurance and has proven to stay up to date with the needs of modern homeowners. From mobile app options to a huge network of agents, it’s no wonder the company is highly recommended by long-time policyholders.
Farmers Home Insurance Contact Information
|Customer Service||1 (888) 327-6335|
|Claim Services||1 (800) 435-7764|
|Customer Service Address||6301 Owensmouth Avenue
Woodland Hills, CA 91367
|Payment Address||PO Box 0991
Carol Stream, IL 60132-0991