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Review 2026
Each company is evaluated across five criteria. Scores are weighted and combined into a single BestGuide Score out of 5. See how we rate the brands.
Key Takeaway
Farmers earns a BestGuide Expert Score of 4.5/5.0 for home insurance, standing out for the highly customizable Farmers Flex Personal Home program and one of the widest discount slates among national carriers. Backed by an A (Excellent) AM Best financial-strength rating and a nationwide agent network, it's a strong fit for homeowners who want to tailor coverage and bundle policies. The main trade-off is a higher-than-average premium — around $2,524 a year for $350,000 in dwelling coverage — which makes stacking discounts important.
Best For: Homeowners who want customizable coverage, plan to bundle home and auto, and can stack discounts to offset a higher base premium.
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Farmers is one of the largest home insurance carriers in the United States, founded in 1928 and headquartered in Woodland Hills, California. It operates as part of the Zurich Insurance Group and sells through a network of captive and independent agents alongside an online quote system. Farmers holds an A (Excellent) financial-strength rating from AM Best, and its home coverage runs through the Farmers Flex Personal Home program, which lets homeowners tailor dwelling, personal property, and liability limits and add protections like extended replacement cost and emergency mortgage assistance.
Founded
1928
AM Best rating
A (Excellent)
Parent group
Zurich Insurance Group
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Coverage runs through the Farmers Flex Personal Home program, which offers tiered packages from basic protection to high-limit, fully customized plans. You set deductibles (typically $500 to $2,500, or 1% to 5% of the dwelling limit) and adjust dwelling, personal property, and liability limits.
Coverage runs through the Farmers Flex Personal Home program, which offers tiered packages from basic protection to high-limit, fully customized plans. You set deductibles (typically $500 to $2,500, or 1% to 5% of the dwelling limit) and adjust dwelling, personal property, and liability limits.
File claims through the online portal or the Farmers mobile app. Dedicated adjusters assess the damage using localized pricing indexes, and payments go to you or your contractors. You can track progress digitally, though phone-based claims support runs on standard business hours rather than 24/7.
Farmers home insurance fits homeowners who want to customize their policy and bundle multiple products.
Not ideal for budget-focused homeowners chasing the lowest baseline rate, or anyone who expects 24/7 phone support for policy changes rather than local agent hours.
Farmers Flex Personal Home
Farmers' core differentiator: instead of prepackaged limits, you customize dwelling coverage and personal-property percentages so you pay for the protection you actually need.
Extended Replacement Cost
Pays up to 100% above your policy limit to rebuild your home if construction costs spike after a widespread disaster, protecting you from sudden labor and material inflation.
Emergency Mortgage Assistance
If a covered peril makes your home uninhabitable, Farmers can pay your mortgage for up to three months (to a set limit) while repairs are underway, easing dual housing costs.
20+ Discounts
Farmers offers one of the widest discount slates among national home insurers — including home-and-auto bundling (about 24% on average), new-home, and fire-resistant-roofing discounts — which is key to offsetting higher base rates.
A (Excellent) Financial Strength
An A (Excellent) rating from AM Best signals a strong ability to pay claims, even during large-scale disasters.
Agent Network + Digital Claims
A nationwide network of local agents for guidance, paired with online and mobile-app claims filing and digital tracking.
Pros
Cons
Yes, Farmers is a legitimate, financially secure insurer. Founded in 1928 and headquartered in Woodland Hills, California, it is part of the Zurich Insurance Group and ranks among the largest home insurers in the United States. Its A (Excellent) AM Best rating indicates strong financial stability and a solid ability to pay claims during large-scale disasters, and it publishes clear reservation and pricing terms.
Regulatory standing. National Association of Insurance Commissioners (NAIC) complaint data shows Farmers receives roughly the volume of home insurance complaints expected for a carrier of its scale — a sign it performs reliably nationally despite individual disputes. Farmers also continues to adjust to regional markets; in November 2025, for example, it lifted a prior cap on writing new home policies in California.
Farmers earns a BestGuide Expert Score of 4.5/5.0 for home insurance — a financially strong, flexible carrier best suited to homeowners who value customization. The Farmers Flex Personal Home program, valuable add-ons like extended replacement cost and emergency mortgage assistance, an A (Excellent) AM Best rating, and an average 24% home-and-auto bundling discount are real strengths. The honest trade-offs are a higher-than-average premium (about $2,524 a year for $350,000 in dwelling coverage) and claims satisfaction that trails the top carriers, plus reliance on local agent hours rather than 24/7 phone support for policy questions. If you can maximize Farmers' 20-plus discounts and bundling, it's a competitive, well-backed choice; budget-focused buyers chasing the lowest base rate may do better elsewhere.
BestGuide gives Farmers home insurance an Expert Score of 4.5/5.0, praising the customizable Farmers Flex program, 20-plus discounts, and A (Excellent) AM Best financial strength, while noting higher-than-average premiums.
Yes for homeowners who value customization and can stack discounts, especially by bundling home and auto for about 24% off. Budget-focused buyers wanting the lowest base rate may find Farmers pricier than regional competitors.
The average is around $2,524 a year for $350,000 in dwelling coverage — higher than the national baseline. Your actual cost depends on local rates, construction, credit, and deductibles, so stacking discounts matters.
Farmers has one of the widest discount slates among national home insurers — over 20 — including home-and-auto bundling (about 24% on average), new-home purchase, and fire-resistant roofing discounts.
Yes. Farmers holds an A (Excellent) financial-strength rating from AM Best, indicating a strong ability to pay claims, and it is part of the Zurich Insurance Group.
Claims can be tracked digitally through the portal and mobile app, but phone-based support for general policy questions runs on local agent hours rather than 24/7.
It's Farmers' tiered, customizable home coverage that lets you adjust dwelling, personal property, and liability limits and add protections like extended replacement cost and emergency mortgage assistance.
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