Does Farmers homeowners insurance cover flood or earthquake damage?

No, not under a standard policy. Flood coverage is sold as a separate policy, so you'd need to add it on your own. Earthquake coverage isn't mentioned as offered on Farmers' site at all, which matters a lot if you're in a seismically active area.

What home insurance discounts does Farmers offer?

Farmers lists 14 discounts, covering a wide range of situations: bundling multiple policies, three consecutive claim-free years, paperless billing, newer homes under 14 years old, green certifications like ENERGY STAR, and safety features such as leak detection or a UL-approved roof. Some depend on your house, others on your payment habits or group affiliation. Ask an agent which ones actually apply to your situation when you get a quote, since eligibility varies by state.

Is Farmers good at paying claims?

That depends on the claim and the person filing it, and we won't guess at a number Farmers' own profile doesn't support. For an independent read on claims satisfaction, check J.D. Power's home insurance study and your state insurance department's complaint data. Farmers does let you file a claim online, which at least removes one point of friction from the process.

Farmers Homeowners Insurance Review: Discounts & Coverage

Q: Is Farmers insurance good for homeowners?

Farmers is a solid option if you live in one of the 41 states where it sells and can qualify for several of its discounts, such as bundling or a claim-free record. It's a weaker fit if you want to handle the whole purchase online, since Farmers doesn't support that. Whether Farmers insurance is good for you really comes down to your state and how many discount boxes you check.

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What to Know

Farmers homeowners insurance is a good fit if you live in one of its 41 states and can claim several discounts at once. It's less convenient if you're looking to buy online, since Farmers requires you to finalize a policy purchase with an agent. It's unavailable in nine states and Washington, D.C., though its coverage area spans 95% of the country.

Farmers offers 14 discounts, making it a good choice if you want to take advantage of savings opportunities and lower your annual premium.

Farmers

Why We Like Farmers

Farmers insurance offers a wide homeowners discount list, including less common ones such as Rent to Own, Green Certifications and Connected Home. Its optional add-ons go past a basic policy, with claims forgiveness, guaranteed replacement cost and a sizable umbrella liability option. It suits households that meet several of those discount conditions and want room to build out their coverage.

Pros and Cons

Pros

Long list of discounts
Offers flood insurance
Online quotes and claim filing

Cons

Not sold in 9 states
No online purchases

Discounts: 14
Online Quotes
Online Policy Purchase

Available in 41 states

Solvable's Take on Farmers Homeowners Insurance

Farmers is a good pick if you qualify for any of its discounts, which fall into three main buckets: your home, your claims history and any affiliations you have, and a handful of others that don't fit into any one category.

New Home (a home that's less than 14 years old), UL-Approved Roofing Materials and Green Certifications (such as ENERGY STAR, LEED or EPA) make up the first group. Four other discounts apply to you as the policyholder: Claim Free (three consecutive years), Good Payer, Farmers GroupSelect for employer and association groups and Affinity.

Other discounts include Bundling, ePolicy, Preferred Payment, Home Safety (leak detection or a gas shutoff), Protective Devices and Connected Home reward, and Rent to Own.

Farmers also offers add-ons, including water backup protection, which kicks in if your water line from the street backs up into your house.

Farmers offers online home insurance quotes, but you must finalize the quote and purchase a policy through an agent. The company does allow online claims filing and management. Policies are not sold in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, South Carolina, Vermont, West Virginia or Washington, D.C.

Standard policies exclude flood insurance, but Farmers offers it as a separate policy.

Farmers Homeowners Insurance Discounts

Availability and eligibility for Farmers' discounts vary by state and by home, so confirm which ones apply at your address when you quote.

Affinity
Preferred Payment
Bundling
Claim Free (3 consecutive years)
ePolicy (paperless)
Good Payer
Farmers GroupSelect (employee/association groups)
Rent to Own
Connected Home
Home Safety (leak detection/gas shutoff)
Green Certifications (ENERGY STAR/LEED/EPA)
New Home (under 14 years)
Protective Devices
UL-Approved Roofing Materials

Farmers Homeowners Insurance Coverage

Dwelling

Dwelling coverage pays to repair or rebuild the house itself after a covered loss, such as fire or wind damage.

Other structures

This covers structures on your property that aren't attached to the house, such as a detached garage, shed or fence.

Personal property

This pays for your belongings, from furniture to clothing, after a covered loss. For high-value items, Farmers offers Valuable Personal Property Insurance as an optional add-on.

Loss of use

If a covered loss makes your home unlivable, this pays the extra costs of living somewhere else while repairs are made.

Personal liability

This covers you if you're found responsible for someone else's injury or property damage. Optional umbrella coverage can raise that protection.

Medical payments

This pays a guest's medical bills after an injury at your home, regardless of fault.

Frequently Asked Questions

Is Farmers insurance good for homeowners?

Farmers is a good option if you live in one of the 41 states where it sells and qualify for several discounts, such as bundling or having a claim-free record.

Can I buy Farmers homeowners insurance online?

You can get a quote and file a claim through Farmers' website, but you can't complete the purchase there. To finish the sale, you'll need to go through Farmers directly, whether through an agent or by phone.