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 on digital customer service, though industry-wide homeowners satisfaction has declined in J.D. Power’s latest Home Insurance Study.
Farmers insurance offers homeowners insurance policies to homeowners in 41 states. It has a reputation for around-average customer service, based on results in J.D. Power’s U.S. Property Claims Satisfaction Study and U.S. Home Insurance Study. When it comes to financial strength, Farmers receives an A (Excellent) score from AM Best. That’s lower than several competitors, but still relatively high on the rating scale.
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 customize your policy to fit your budget.
States Where Farmers’ Premiums Are Cheapest and Most Expensive
Data provided by Coverage.com
Farmers Insurance Overview
According to its website, Farmers currently writes more than 19 million policies across the U.S. However, according to J.D. Power’s latest U.S. Home Insurance Study, overall satisfaction has softened industry-wide; Farmers’ results tend to land around the segment average and vary by state.
PROS
CONS
Farmers Home Insurance vs. The Competition
| Provider | Reviews.com Score | Average Premium* | J.D. Power Customer Satisfaction** | AM Best |
| Farmers | 3.2 | $2,550 | See latest | A |
| Travelers | 3.5 | — | See latest | A++ |
| Erie | 3.8 | — | See latest | A++ |
| Allstate | 3.8 | — | See latest | A+ |
Information accurate as of November 2025
*Average premium benchmarks reflect recent nationwide analyses (e.g., Bankrate, Forbes Advisor).
**J.D. Power’s Home Insurance Study. Based on a 1,000-point scale.
Farmers vs. Travelers
Travelers has a higher Reviews.com score than Farmers. Recent nationwide benchmarks often place Travelers’ homeowners premiums closer to the U.S. average, while Farmers trends higher on average — but actual quotes vary significantly by state, coverage profile and discounts (see current averages). For customer experience, J.D. Power’s latest Home Insurance Study shows satisfaction under pressure across the industry; check NAIC’s Consumer Complaint Index for recent complaint ratios by underwriting company.
Farmers vs. Erie
Erie’s 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 (see latest). Erie is well known for strong replacement cost options; similar features may be available from Farmers as optional add-ons.
Farmers vs. Allstate
We rank Allstate fairly high, and it is one of the best home insurance companies that we’ve reviewed. Both Allstate and Farmers offer plenty of optional coverage add-ons and robust digital tools. In recent national comparisons, both brands’ average homeowners rates often trend above the U.S. average, but bundling and discounts can meaningfully lower premiums (see current averages).
Farmers Frequently Asked Questions
Methodology
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:
- Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.
- Customer Experience: We reviewed the National Association of Insurance Commissioners’ National Complaint Index and compared each homeowners insurance company’s complaint rating.
- Customer Satisfaction: With J.D. Power’s Home Insurance Study, we assigned a score to each company based on the rating it received.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.
- Discounts: We reviewed and compared the number of discounts advertised on each home insurance company’s website. The more available discounts, the higher the score in this metric.
