LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Home insurance review

Farmers Insurance Home Insurance Review (2026)

Farmers Insurance earned 4.0 / 5 in our 2026 review. Best for: comprehensive coverage tiers, agent-based guidance. Here is the full breakdown.

By the Fintiex Insurance Desk · Updated 2026-05-02
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Key stats
Annual premium
$1,550 to $2,100
AM Best
A
JD Power
801 / 1000
Bundling discount
Up to 20%
States available
All 50 states
Flood coverage
Separate policy
Digital experience
Good
Fintiex rating
4.0 / 5
Pros
  • +Three coverage tiers (Standard, Enhanced, Premier) for flexible protection
  • +Claim-free discount for no claims in past three years
  • +Declining deductible reduces your deductible $50 each claim-free year
  • +Home systems protection covers mechanical breakdowns
  • +Claim forgiveness available after three years with Farmers
  • +Wide agent network for personalized coverage advice
Cons
  • -Premiums among the highest of major carriers
  • -Not available in all zip codes within certain states
  • -Some coverage options require going through an agent, not self-service online

Coverage available

DwellingOther structuresPersonal propertyLoss of useLiabilityMedical payments

Farmers Insurance includes the six standard parts of a home policy. Flood and earthquake coverage are excluded by default, which is industry standard. Add them as separate policies if you are in a high-risk zone.

Best for

Farmers Insurance is the right pick if you prioritize comprehensive coverage tiers, agent-based guidance. It earns top marks for claims process. If you do not match this profile, compare against the other top picks on our home insurance hub.

Overview

Farmers Insurance carries an AM Best financial strength rating of A, which matters more in home insurance than almost any other line. When a hurricane, wildfire, or hail storm hits a region, claims can spike fast. A well-capitalized carrier pays them. A weak one can struggle. The carrier writes policies in All 50 states and is best known for comprehensive coverage tiers, agent-based guidance.

Premiums for a typical $300K single-family home, $250K dwelling, and a $1,000 deductible run $1,550 to $2,100 per year with Farmers Insurance. That puts the carrier on the higher end of the home insurance market. Of course, premium varies sharply by ZIP code, home age, roof condition, claims history, and credit.

On customer satisfaction, Farmers Insurance scored 801 on the latest JD Power US Home Insurance Study. That puts it below the industry average. The digital experience is rated good.

How to get a Farmers Insurance quote

Getting a quote from Farmers Insurance takes about 10 to 15 minutes online. You will need your home address, year built, square footage, roof type and age, and an estimate of the dwelling replacement cost. Most carriers also ask about prior claims in the last 5 years and your current insurance status.

  • Visit the Farmers Insurance home insurance page
  • Enter your address, home details, and coverage info
  • Pick coverage limits (set dwelling to replacement cost, not market value)
  • Review the quote and apply bundling and other discounts
  • Bind the policy online or speak to an agent
Start a Farmers Insurance quote

Frequently asked questions

Is Farmers Insurance home insurance worth it?
Farmers Insurance earned 4.0 out of 5 in our 2026 review. It carries an AM Best rating of A and a JD Power home insurance satisfaction score of 801 out of 1,000. Best for: comprehensive coverage tiers, agent-based guidance.
How much does Farmers Insurance home insurance cost?
Average premiums range from $1,550 to $2,100 per year for a typical $300K single-family home with $250K dwelling coverage and a $1,000 deductible. Your rate depends on home age, construction, claims history, ZIP code, and credit.
Does Farmers Insurance cover floods and earthquakes?
Standard Farmers Insurance policies exclude flood and earthquake damage, which matches industry standard. You will need a separate flood policy through NFIP or a private insurer. Earthquake coverage is available as a separate endorsement in most states.
What does a standard Farmers Insurance home policy cover?
Standard coverage includes: Dwelling, Other structures, Personal property, Loss of use, Liability, Medical payments. Most policies include personal property at 50 to 70 percent of dwelling coverage and liability at $100K to $500K.
Will I save by bundling Farmers Insurance home with auto?
Yes. Bundling can save you about 20 percent on both policies with Farmers Insurance. Always run the numbers against two standalone quotes to confirm the bundle wins.
Is Farmers Insurance available in my state?
Farmers Insurance writes home policies in all 50 states.

Ready to get a Farmers Insurance home quote?

Takes about 10 minutes. No commitment to bind.

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