Farmers Home Insurance Review: Pros & Cons, Ratings, & More

Farmers has the distinction of being one of the rare businesses to have started just before the Great Depression and remain in business still today. Founded in 1928 by two California farmers who walked farm to farm to sell their innovative new brand of farmer/rancher insurance policies, Farmers Insurance Group is now the 5th-largest home insurance company in the U.S., commanding an impressive market share of nearly 6 percent. But you may know Farmers best as the company whose "Hall of Claims" commercials show off some hilarious — and, unbelievably, true — claims filed by homeowners that Farmers Insurance has paid, including damage from an angry moose entangled in a swing set and a fire started by a dog reaching for pizza, all of which speak to the company's experience and customer care.

Effective Date: January 2020

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Farmers' online quote tool provides three packages to choose from: basic, enhanced and premier. Each package has distinct features, with options allowing you to increase personal property limits and adjust replacement payments made on depreciated value or replacement value. Once you choose a package based on whether you want a lower premium or better protection, you're then able to customize the individual coverages within the package limitations.

The package that you choose determines your level of standard coverage, but you can change the individual limits. In fact, the Farmers online quote tool gives you more control over your standard coverage limits than most other home insurance companies.

The additional coverage options that Farmers offers include the typical options you'd expect from most good home insurance policies as well as some less common additional coverages for your dwelling.

Homeowners can receive discounts for certain behaviors or actions that reduce your risk of filing a homeowner insurance claim. Depending on what state you live in, you also may find a range of additional discounts available. Some of the discounts you may find are listed below.

You can call or begin your home claim online. You don't have to log in to file your claim online. Once the process is started, you can find your claim representative online, even if you don't have your claim number handy. With the claim started, you can call or go online to find a vendor partner to handle repairs, talk to a claims rep to see about replacing your personal property or even find emergency housing.