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Headquartered in California, Farmers is one of the most popular insurance companies in the country. Farmers employs agents across the U.S., providing personal, local insurance agents for most customers. The company was founded in 1880 and offers a wide selection of insurance options aside from home and auto. Read on to learn more about Farmers' homeowners and auto insurance products to see if one of the oldest insurers in the U.S. is right for you.
Farmers Insurance is a highly reputable provider of car insurance. On average, it's auto insurance policies are roughly on par with major insurers in regard to price and option availability. Read on to find out more about these coverage options and what you can expect as a potential Farmers Insurance policyholder.
Farmers car insurance policies can be purchased in all states except Alaska, Delaware, Hawaii, Massachusetts, Rhode Island, Washington, D.C. and West Virginia. However, because of the reach of the Farmers Insurance Group, drivers in those states may be able to find a policy through a Farmers subsidiary. For instance, while Farmers has a website for Hawaii car insurance, policies appear to be fulfilled by 21st Century Insurance.
Farmers auto insurance coverage includes basic state-mandated liability coverages, as well as comprehensive and collision coverage, personal injury protection (in certain states), medical payments, uninsured motorist coverage, and more. Read on to find out more about Farmers' more unique coverage options.
Towing and roadside assistance coverage are optional insurance policy add-ons. With Farmers 24/7 roadside assistance coverage, you can get help under the following circumstances:
If you’ve stayed accident-free for three years, Farmers will overlook your first at-fault accident. Learn more about accident forgiveness.
If your vehicle isn’t driveable as a result of a covered loss, Farmers will reimburse you for expenditures related to cabs, public transit, or a rental vehicle. This is part of Farmers' collision or comprehensive coverage.
If your vehicle is deemed undrivable, this insurance coverage will pay for you to use a rental vehicle. This coverage applies for up to 30 days.
If you have modified your vehicle, you can add this coverage to replace these upgraded parts in the event of a covered loss. This coverage could protect add-ons like speakers or alloy wheels.
If you have a crack in your windshield, Farmers will help you replace or repair the damage.
With this coverage, any new parts to your coverage will be replaced with the original manufactured parts. You must maintain collision and comprehensive coverages for this feature to apply, and your vehicle must be less than 10 years old.
If you’re driving for Lyft or Uber, Farmers strongly recommends adding rideshare insurance to your policy to ensure your vehicle is fully protected. This coverage will extend your Farmers coverage to the time you spend driving around, waiting for a ride request.
Farmers has a few state-specific discounts and rewards programs. Speak to a Farmers agent near you to see if these programs are available in your location.
Signal is Farmers' telematics program. This program uses a mobile app to gauge the way you drive and more accurately price your insurance premium. It looks at the frequency of hard braking, excessive speeds, and distracted driving habits to determine your premium. Signal by Farmers is not available in every location.
We used our methodology to compare average monthly rates from Farmers to see how it compares to other companies and the national average.
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Farmers Insurance ranks as one of the top three cheapest car insurance companies in these states.
Farmers Insurance offers a few additional lines of insurance that customers can bundle with an auto policy.
Farmers Insurance is one of the larger home insurance companies by market share in the United States. Let's take a look at what potential customers can expect from a Farmers home insurance policy, including customer satisfaction and the types of coverage they offer.
Homeowners can expect to find a Farmers home insurance policy in all states except Delaware, Louisiana, Maine, Massachusetts, New Hampshire, North Carolina, Rhode Island, Vermont, and West Virginia. The company has expanded into new markets in recent years, meaning that these states could potentially see Farmers Insurance moving into their states sometime in the near future.
Farmers home insurance offers a number of options for policyholders under their Smart Plan Home coverage. In general, coverage is split into three tiers. While all of them cover standard home insurance coverages like dwelling, other structures, personal property, medical payments, personal liability and additional living expenses, each will vary in its coverage levels and features.
For homeowners looking for insurance options beyond standard coverage, Farmers offers the following additional endorsements.
You can receive up to $25,000 to cover extra costs for eco-friendly products, appliances, or building materials.
Your personal property coverage allows you to replace your possessions without factoring in depreciation. This means that you will get new items of a similar quality instead of the depreciated value of your older belongings.
If you are a victim of identity theft, this coverage helps with replacing important documents and can help with investigating the crime.
Farmers Insurance offers a few different homeowners insurance discounts. Eligible policyholders should look into the following ways to save money on home insurance rates:
Not all homes are lived in by their owners — at least not full time. Farmers Insurance offers the following coverage options designed for such homes, including the following:
See how average rates from Farmers Insurance compare to other popular home insurance companies. The rates below are based on the national average of what consumers pay per month for homeowners coverage.
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There are nine states in which Farmers Insurance is among the top three cheapest options for homeowners insurance:
Cancellations must be completed by calling Farmers's customer service line at 1-888-327-6335. If you have a local Farmers agent, you can also cancel your policy through them by phone or in person. Depending on where you live, canceling an insurance policy could lead to cancellation fees or — in some cases — a refund.
Farmers doesn't allow online policy cancellations. Cancellations can be requested through your local agent or by calling 1-888-327-6335 and speaking to a representative.
While Farmers itself is owned by the Zurich Insurance Group, Farmers owns a number of smaller insurance companies to diversify its product offerings. Below are a few of Farmers' most popular subsidiaries.
The Farmers Insurance website can generate quotes for home, auto, and many other lines of insurance. The interface is easy to navigate and helpful insurance content is easy to find. Further features of the site include:
The Farmers Insurance mobile app is available on both Apple and Android platforms and provides similar functionality to the website, giving policyholders the following options:
The Farmers Signal app is also available for download, allowing drivers to enroll in the Farmers Insurance telematics program for possible discounts.
Learn more about Farmers at farmers.com.
While Farmers does have excellent financial strength, it suffers from a below-average J.D. Power rating. That said, both of its home and auto offerings have fewer complaints than average as reported by the NAIC. Overall, your experience with Farmers Insurance may depend on your personal insurance agent and your individual circumstances.
If you are looking for the most affordable car or home insurance, Farmers is not likely to be the cheapest. That said, their premiums are on par with most other major insurers and their coverage offerings may be enough to entice many potential policyholders. The cost of Farmers Insurance premiums always comes down to the individual, which can be reflected in your location, your claims history, and — at least in most states — even your credit score.
The best way to find the lowest cost insurance policy is to compare Farmers Insurance rates with those of other companies. Enter your ZIP code below to get started.
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