ABOUT FARMERS HOMEOWNERS INSURANCE
Farmers works with a large network of agents to offer a variety of home insurance plans, as well as multiple discounts and special coverage options, including policy bundling. Its coverage is highly customizable and available all throughout the U.S. The company also has an app to help with policy management.
Compare our top 6 Home Insurance companies
EverQuote Home Insurance Services
Levels Of Coverage : 4
Maximum mileage: 130,000
Waiting period: 30 days and 1,000 miles
Availability: Most states (not MA)
Nationwide Homeowners Insurance
Levels Of Coverage : 12
Maximum mileage: Unlimited
Waiting period: 30 days and 1,000 miles
Availability: Most states (not MA)
State Farm Homeowners Insurance
Levels Of Coverage : 5
Maximum mileage: 250,000
Waiting period: 30 days
Availability: Nationwide
Levels Of Coverage : 3
Maximum mileage: 120,000
Waiting period : 30 days
Availability : Nationwide
Farmers Homeowners Insurance
Levels Of Coverage : 2
Maximum mileage: 120,000
Waiting period: 300,000 miles
Availability: price-locked
American Family Homeowners Insurance
Levels Of Coverage : 3
Maximum mileage: Unlimited
Waiting period: 30-days
Availability: nationwide
About Farmers home insurance
Farmers is a leading home and property insurance provider. It offers several straightforward coverage options for your home, whether you have a rental, a condo, a mobile home or a house you own. It also provides policies for specialty and vacant homes.
Farmers has an easy-to-use website with an efficient quote tool and a search feature that shows all agents in your area and their ratings. If you have questions about Farmers, you can visit its website and enter your ZIP code to get a list of local agents.
Farmers homeowners insurance coverage
Farmers provides three types of home coverage options (except in California, where the Premier package isn’t available). Here’s a look at its coverage offerings:
- Standard: Provides basic coverage designed for beginning homeowners. It’s typically the most affordable package and includes fundamental coverage you can customize to fit your home and lifestyle.
- Enhanced: Offers thorough coverage and extended limits; pays for the cost of a roof or home contents without depreciation.
- Premier: The highest level of coverage for personal property; includes extended replacement cost for your home.
Farmers also includes these additional coverage features:
- Declining deductibles: Every year you renew your policy, you’ll qualify for a reduced deductible.
- Claims free discount: If you’ve made no claims for several years, you might be eligible for a discount.
- Claim forgiveness: If you haven’t made a claim in five years, your deductible won’t rise with your first claim.
- Cosmetic damage: If you have functional damage in your home and file a claim, Farmers can help cover the cosmetic issues.
Farmers home insurance quotes
Home insurance quotes vary by location, the cost of a home’s rebuild, personal property and various other factors. Contact your local Farmers agent or use the online quote tool to estimate your coverage rates. To give you an idea of typical annual Farmers insurance costs, for a one-story home in Oklahoma with an estimated reconstruction cost of $128,000, Farmer quotes $1,407 for the Standard package, $1,619 for Enhanced and $1,840 for Premier.
