Farmers Home Insurance Review (2026)

Farmers' home insurance earns a 4.31 out of 5 overall MoneyGeek score, and the biggest reason is cost: its affordability score of 4.56 out of 5 beats out both its customer experience score of 4.26 out of 5 and its coverage score of 3.47 out of 5. In practice, that means a homeowner insuring a $250,000 home pays about $232 monthly on average, while still getting support from local agents before and after buying a policy. Farmers has also been paying out claims for close to 100 years, a track record that matters more once a homeowner actually needs to file one.

A few of its endorsements aren't common, like Residence Glass Coverage, which removes the deductible for accidental window or patio door breaks. Its Matching of Undamaged Property Coverage also pays to replace unaffected sections of a home so a repair doesn't leave mismatched siding or flooring behind.

If you own an older home, Farmers is one of the stronger options to check pricing on. That doesn't mean older homes are the cheapest to insure outright: a $250,000 policy on an older home averages about $298 monthly with Farmers, compared to about $204 for a newer home. Even so, for older homes specifically, Farmers' rates are 5% less than those of other national insurers, which makes it worth a look for anyone insuring an older property.

Farmers' home insurance performance holds up fairly consistently from state to state, with scores across the 34 states in our analysis averaging 4.33 out of 5, close to its 4.31 out of 5 national score. The data ranges from 3.84 out of 5 in Colorado to 4.56 out of 5 in Kansas, more than a full point between the best and worst state. Even so, most states land closer to the top of that range than the bottom.

Farmers ranks fourth or fifth among carriers in 28 of the 34 states in this data, which works out to about 82%. Only four states put Farmers at sixth, and just two, Colorado and North Dakota, drop it to seventh. So in the large majority of states, Farmers comes in as a top five carrier rather than one that falls toward the bottom of the pack.

The states where Farmers falls further down the list follow a pattern worth noting. Colorado and North Dakota are its two lowest scoring and lowest ranking states, at 3.84 out of 5 and 4.04 out of 5, and Nevada, New Hampshire, and Georgia make up the rest of the states where it ranks sixth, each scoring under 4.05 out of 5. That's a small group, five states out of 34, but it's worth flagging for anyone in one of those states before assuming Farmers performs the same everywhere.

Farmers' monthly premiums range from $127 for $100,000 in dwelling coverage up to $802 for $1,000,000 in dwelling coverage, and how that compares to the national average changes a lot along the way. The two lowest coverage levels come in 13% to 15% under average, while the three highest come in just 1% to 4% under average. That means Farmers' pricing is most competitive for homeowners who don't need high coverage limits.

Farmers' pricing varies widely by state, but we found it competitive in the majority of markets we evaluated. Of the 34 states in our dataset, 27 have Farmers rates below the state average. Homeowners can find the strongest savings in Utah, Illinois and Nebraska, where premiums run 43%, 50% and 41% below state averages respectively. Utah homeowners pay just $69 per month on average, the lowest Farmers premium in our dataset.

Colorado, North Dakota and North Carolina are the clearest outliers in the other direction: Farmers runs 65%, 67% and 56% above state averages in those states, with Colorado homeowners paying $562 per month and North Dakota homeowners paying $313. Oklahoma carries the highest raw premium at $744 per month, though its costs are only 16% above the state average. Homeowners in Colorado, North Dakota, North Carolina and Oklahoma should compare quotes from other insurers before committing to Farmers.

Note: Data above is for states in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.

Farmers offers 13 homeowners insurance discounts, though availability differs depending on your state. The bundling discount lets you save when you combine your home policy with another Farmers product.

We scored Farmers against other leading national insurers to give you a clear picture of where it leads and where it falls short. See the comparisons below to decide whether Farmers is the right fit.

We found that Farmers offers five endorsements that extend beyond a standard policy's base protection. Coverage availability varies by state, so not every homeowner will have access to all five options. A Farmers agent can confirm which endorsements are available in your area and whether they make sense for your home and risk profile.

Farmers is a reliable pick for homeowners with good or excellent credit who own newer homes in most of the 27 states where we found its rates below the state average. Seniors and mid-tier coverage buyers get the most value, especially at the $250K dwelling level where Farmers runs 15% below the national average. Homeowners with poor credit, high-value properties or addresses in Colorado, North Dakota or North Carolina will likely find better rates elsewhere. Compare quotes from at least three insurers before deciding.

We answer common questions homeowners ask about Farmers policies and what to expect when getting coverage.