{"id":323629,"date":"2025-11-07T22:27:29","date_gmt":"2025-11-08T03:27:29","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=121754"},"modified":"2025-11-07T22:27:29","modified_gmt":"2025-11-08T03:27:29","slug":"farmers-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/farmers-review\/","title":{"rendered":"Farmers Homeowners Insurance Review"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"Farmers Homeowners Insurance Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Reviews.com awards Farmers a score of 3.2 out of 5 based on customer reviews, discounts available, and coverage options.<\/li><li>The average cost of a home insurance policy with Farmers is about $2,550 per year for a standardized $300,000-dwelling, $1,000-deductible profile, based on recent nationwide analyses (<a href=\"https:\/\/www.bankrate.com\" target=\"_blank\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\">NerdWallet<\/a>).<\/li><li>Farmers homeowners insurance has an emphasis on <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-insurance-digital-experience-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">digital customer service<\/a>, though industry-wide homeowners satisfaction has declined in J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">latest Home Insurance Study<\/a>.<\/li><\/ul>\n\n\n\n<p>Farmers insurance offers <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/about\/\">homeowners insurance policies<\/a> to homeowners in <a href=\"https:\/\/www.farmers.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">41 states<\/a>. It has a reputation for around-average customer service, based on results in J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/us-property-claims-satisfaction-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">U.S. Property Claims Satisfaction Study<\/a> and <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">U.S. Home Insurance Study<\/a>. When it comes to financial strength, Farmers receives an A (Excellent) score from <a href=\"https:\/\/www.farmers.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">AM Best<\/a>. That\u2019s lower than several competitors, but still relatively high on the rating scale.<\/p>\n\n\n\n<p>Farmers Home Insurance Company does offer a number of ways for policyholders to save money with discounts, and homeowners can choose from three tiers of service, allowing you to <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-does-homeowners-insurance-cover\/\">customize your policy<\/a> to fit your budget. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">States Where Farmers&#8217; Premiums Are Cheapest and Most Expensive<\/h2>\n\n\n<div class=\"infogram-graphic infogram-graphic--carrier_most_least_expensive_states h-margin-top-30 h-margin-bottom-30\">\n    <div class=\"infogram-embed\" data-id=\"_\/OgcNnEHl6ySe7c5vx3vL\" data-type=\"interactive\" data-title=\"Farmers Home Ins. Rates Most\/Least\"><\/div><script>!function(e,i,n,s){var t=\"InfogramEmbeds\",d=e.getElementsByTagName(\"script\")[0];if(window[t]&&window[t].initialized)window[t].process&&window[t].process();else if(!e.getElementById(n)){var o=e.createElement(\"script\");o.async=1,o.id=n,o.src=\"https:\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\",d.parentNode.insertBefore(o,d)}}(document,0,\"infogram-async\");<\/script>\n<\/div>\n\n\n\n\n<p><em>Data provided by <a href=\"https:\/\/www.coverage.com\" rel=\"nofollow\" class=\"achor-toggles\">Coverage.com<\/a><\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Farmers Overview\"><\/span>\n    \n\n\n<section id=\"block_60d37b89c0058\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">Farmers Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                Reviews.com Score: \n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">3.2<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since: \n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">1928<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                AM Best:\n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\"><a href=\"https:\/\/www.farmers.com\" rel=\"noopener\" target=\"_blank\">A<\/a><\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power:\n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\"><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" rel=\"noopener\" target=\"_blank\">See latest<\/a><\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                Avg. Premium: \n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">$2,550<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>According to its website, Farmers currently writes more than <a href=\"https:\/\/www.farmers.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">19 million policies<\/a> across the U.S. However, according to J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">latest U.S. Home Insurance Study<\/a>, overall satisfaction has softened industry-wide; Farmers\u2019 results tend to land around the segment average and vary by state.<\/p>\n\n\n\n<section id=\"block_60d37bf2c005e\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Smart Plan Home:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Farmers offers three tiers of service: standard, enhanced, and premier.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Flexible online quote tool: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Customers can adjust coverage options, deductibles, liability, and more when building a Farmers insurance quote.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Recently redesigned mobile app:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Users can pay bills, file a claim, talk to an agent, and more from a smartphone.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">More than a dozen discounts:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Farmers offers <a href=\"https:\/\/www.farmers.com\/discounts\/\" rel=\"noopener\" target=\"_blank\">about a dozen homeowners discounts<\/a> and may offer more or less depending on the state you live in.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Average customer service:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Farmers\u2019 customer service scores are average with most consumer watchdog organizations.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Above-average premiums: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Farmers\u2019 average annual premium now trends above the latest national average in many studies, and broad rate increases since 2021 mean today\u2019s quotes may be notably higher than a few years ago.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"Farmers Highlights\"><\/span>\n    \n\n                \n<section id=\"block_60d37c68c0066\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\"><\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Pricing <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Coverage <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Customer Experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Discounts &#038; Add-ons <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Pricing\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Farmers home insurance costs an average of about $2,550 per year for a standardized $300,000 dwelling limit with a $1,000 deductible \u2014 recent reputable estimates generally range from roughly $2,400 to $2,700 nationally (<\/span><a href=\"https:\/\/www.bankrate.com\"><span style=\"font-weight: 400;\">Bankrate<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/average-home-insurance-cost\/\"><span style=\"font-weight: 400;\">Forbes Advisor<\/span><\/a><span style=\"font-weight: 400;\">). But keep in mind that <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/compare-quotes-pm\/\"><span style=\"font-weight: 400;\">your own rate will vary<\/span><\/a><span style=\"font-weight: 400;\"> and that you may be eligible for one or more of Farmers\u2019 discounts. There is also a declining deductible option \u2014 homeowners earn $50 toward their deductible each year the policy is in force, potentially saving money following a claim.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Standard coverage, as listed on the <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/home-insurance-declaration-page\/\"><span style=\"font-weight: 400;\">declaration page<\/span><\/a><span style=\"font-weight: 400;\">, protects homes, other structures and belongings from specified perils.<\/span><span style=\"font-weight: 400;\"> It also includes liability coverage and coverage if policyholders need to stay in a hotel after a disaster. <\/span><span style=\"font-weight: 400;\">Optional coverages include brand new replacement, identity theft coverage, and Eco-Rebuild, which allows homeowners to go green when rebuilding.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer Experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Farmers home insurance company tends to score around the industry average with watchdog agencies when it comes to customer service. <\/span><span style=\"font-weight: 400;\">J.D. Power\u2019s <\/span><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">latest Home Insurance Study<\/span><\/a><span style=\"font-weight: 400;\"> notes that overall satisfaction has declined amid premium increases. You can review current complaint patterns for your insurer using the <\/span><a href=\"https:\/\/content.naic.org\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">NAIC Consumer Complaint Index<\/span><\/a><span style=\"font-weight: 400;\">. Digital experience remains a key differentiator across the industry.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Discounts &#038; Add-ons\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Farmers seems to encourage customers to talk to an agent since information about add-ons, also called riders, is hard to find on the website. There aren\u2019t many endorsements listed,but the site does give information on the Eco-Rebuild option, contents replacement cost coverage, and identity theft coverage. <\/span><span style=\"font-weight: 400;\">\u00a0Discounts are more generous. The discounts that Farmers advertises on its site include:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Affinity<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Multi-line<\/span><\/li>\n<li>ePolicy<\/li>\n<li>UL-approved roof<\/li>\n<li>New home<\/li>\n<li>Protective devices<\/li>\n<li>Safe home<\/li>\n<li>Green certifications<\/li>\n<li>Pay in full\/automatic payments<\/li>\n<li>Rent-to-own<\/li>\n<li>Good payer<\/li>\n<\/ul>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Competition Chart\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Farmers Home Insurance vs. The Competition&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td>Provider<\/td><td>Reviews.com Score<\/td><td>Average Premium*<\/td><td>J.D. Power Customer Satisfaction**<\/td><td>AM Best<\/td><\/tr><tr><td>Farmers<\/td><td>3.2<\/td><td>$2,550<\/td><td>See latest<\/td><td>A<\/td><\/tr><tr><td>Travelers<\/td><td>3.5<\/td><td>\u2014<\/td><td>See latest<\/td><td>A++<\/td><\/tr><tr><td>Erie<\/td><td>3.8<\/td><td>\u2014<\/td><td>See latest<\/td><td>A++<\/td><\/tr><tr><td>Allstate<\/td><td>3.8<\/td><td>\u2014<\/td><td>See latest<\/td><td>A+<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information accurate as of November 2025<\/em><\/p>\n\n\n\n<p><em>*Average premium benchmarks reflect recent nationwide analyses (e.g., <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/average-home-insurance-cost\/\">Forbes Advisor<\/a>).<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s <\/em><a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"><em>Home Insurance Study<\/em><\/a><em>. Based on a 1,000-point scale.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Farmers vs. Travelers<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/travelers-review\/\" class=\"achor-toggles\">Travelers<\/a> has a higher Reviews.com score than Farmers. Recent nationwide benchmarks often place Travelers\u2019 homeowners premiums closer to the U.S. average, while Farmers trends higher on average \u2014 but actual quotes vary significantly by state, coverage profile and discounts (<a href=\"https:\/\/www.bankrate.com\" class=\"achor-toggles\">see current averages<\/a>). For customer experience, J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" class=\"achor-toggles\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">latest Home Insurance Study<\/a> shows satisfaction under pressure across the industry; check NAIC\u2019s <a href=\"https:\/\/content.naic.org\" class=\"achor-toggles\">Consumer Complaint Index<\/a> for recent complaint ratios by underwriting company.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Farmers vs. Erie<\/h3>\n\n\n\n<p><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/erie-review\/\">Erie\u2019s<\/a> homeowners pricing is often among the lower averages where available, while Farmers typically trends higher nationally; however, state-level risk and coverage choices can outweigh brand averages. Erie frequently ranks among leaders in J.D. Power homeowners studies, whereas Farmers tends to perform around the segment average (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" class=\"achor-toggles\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">see latest<\/a>). Erie is well known for strong replacement cost options; similar features may be available from Farmers as optional add-ons.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Farmers vs. Allstate<\/h3>\n\n\n\n<p>We rank <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\" class=\"achor-toggles\">Allstate<\/a> fairly high, and it is one of the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\" class=\"achor-toggles\">best home insurance companies<\/a> that we\u2019ve reviewed. Both Allstate and Farmers offer plenty of optional coverage add-ons and robust digital tools. In recent national comparisons, both brands\u2019 average homeowners rates often trend above the U.S. average, but bundling and discounts can meaningfully lower premiums (<a href=\"https:\/\/www.bankrate.com\" class=\"achor-toggles\">see current averages<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Farmers Home Insurance FAQ \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Farmers Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_60d37d26c006b\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What does Farmers home insurance cover?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Standard home insurance policies cover a <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-does-homeowners-insurance-cover\/\"><span style=\"font-weight: 400;\">variety of losses<\/span><\/a><span style=\"font-weight: 400;\">, including wind damage, <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/does-homeowners-insurance-cover-water-damage\/\"><span style=\"font-weight: 400;\">water damage<\/span><\/a><span style=\"font-weight: 400;\">, and fire damage. You may be able to personalize your policy by choosing from Farmers\u2019 three different coverage levels and adding endorsements.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60d37d32c006c\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Why is Farmers Insurance so high?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Farmers Insurance reviews indicate that the company\u2019s rates are higher than some other companies. Every insurer uses their own formula for determining the rates they will charge, so some companies are able to offer <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\"><span style=\"font-weight: 400;\">cheaper insurance<\/span><\/a><span style=\"font-weight: 400;\"> than others. Since 2022, many homeowners insurers have raised prices due to higher construction costs, catastrophe losses, and reinsurance expenses; state-level risk can drive much larger changes in certain areas (<\/span><a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\"><span style=\"font-weight: 400;\">NOAA disaster trends<\/span><\/a><span style=\"font-weight: 400;\">). Keep in mind that your own rate will vary, depending on a number of factors including your home\u2019s location and age, and your loss history.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60d37d3fc006d\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much does Farmers home insurance cost?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The average cost of a Farmers home insurance policy is about $2,550 per year, or roughly $213 a month, for a standardized national profile. <\/span><span style=\"font-weight: 400;\">When looking for homeowners insurance, it\u2019s a good idea to <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/compare-quotes-pm\/\"><span style=\"font-weight: 400;\">compare several companies<\/span><\/a><span style=\"font-weight: 400;\"> to see who can offer you the lowest rates for the coverage you need. Recent nationwide analyses place Farmers\u2019 average in the mid-$2,000s annually (<\/span><a href=\"https:\/\/www.bankrate.com\"><span style=\"font-weight: 400;\">Bankrate<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.nerdwallet.com\"><span style=\"font-weight: 400;\">NerdWallet<\/span><\/a><span style=\"font-weight: 400;\">). Rates can vary greatly from one insurance provider to another, so it pays to shop around when looking for the lowest rates.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"meth\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Farmers Insurance based on availability, customer satisfaction, financial stability, and coverage to determine Reviews.com score and create our best home insurance reviews. To compare home insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:<\/p>\n\n\n\n<ul><li>Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.<\/li><li>Customer Experience: We reviewed the National Association of Insurance Commissioners\u2019 National Complaint Index and compared each homeowners insurance company\u2019s complaint rating.<\/li><li>Customer Satisfaction: With J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Home Insurance Study<\/a>, we assigned a score to each company based on the rating it received.<\/li><li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company\u2019s financial stability.<\/li><li>Discounts: We reviewed and compared the number of discounts advertised on each home insurance company\u2019s website. The more available discounts, the higher the score in this metric.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Reviews.com awards Farmers a score of 3.2 out of 5 based on customer reviews, discounts available, and coverage options. The average cost of a home insurance policy with Farmers is about $2,550 per year for a standardized $300,000-dwelling, $1,000-deductible profile, based on recent nationwide analyses (Bankrate; NerdWallet). Farmers homeowners insurance has an emphasis [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362559,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1268],"tags":[],"post_author":[14193],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Farmers Homeowners Insurance Review 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"With multi-tiered options, Farmers&#039; insurance allows you to customize your homeowners&#039; insurance to fit your precise budget and coverage needs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/farmers-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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