Considering affordability, customer service, coverage and financial stability, Farmers ranks fifth overall in the nation for home insurance. The company has good home insurance rates for older homes in most states, high ratings for claims satisfaction and one of the widest selections of add-on coverages. Review our ratings below.
Farmers Home Insurance Review
Updated: June 25, 2025
Advertising & Editorial Disclosure
Key Takeaways
Farmers ranks fourth overall for home insurance affordability, with particularly low rates for those with older and high-fire-risk homes.
Customer satisfaction for Farmers ranks fourth in the nation, with high claims satisfaction and financial stability ratings.
Farmers ranks fifth overall for coverage options, with unique choices, including guaranteed replacement and diminishing deductibles.
Farmers Home Insurance Ratings
| Overall Rating | 72 | 5 |
| Affordability | 44 | 4 |
| Customer Satisfaction | 22 | 4 |
| Coverage | 3 | 5 |
| Financial Stability | 2 | 3 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
Farmers Home Insurance Ratings by State
While Farmers ranks within the top five nationally, these ratings vary depending on your state. The table below shows how the company stacks up by location.
| Alabama | 81 | 3 |
| Arizona | 76 | 5 |
| Arkansas | 82 | 4 |
| California | 72 | 5 |
| Colorado | 43 | 7 |
| Connecticut | 85 | 3 |
| Georgia | 53 | 6 |
| Idaho | 69 | 5 |
| Illinois | 80 | 5 |
| Indiana | 73 | 5 |
| Iowa | 77 | 5 |
| Kansas | 69 | 4 |
| Maine | 72 | 5 |
| Maryland | 84 | 3 |
| Massachusetts | 77 | 4 |
| Michigan | 65 | 4 |
| Minnesota | 77 | 5 |
| Montana | 81 | 4 |
| Nebraska | 79 | 3 |
| Nevada | 68 | 5 |
| New Hampshire | 54 | 6 |
| New Jersey | 78 | 3 |
| New York | 65 | 5 |
| North Carolina | 44 | 4 |
| North Dakota | 48 | 8 |
| Ohio | 78 | 5 |
| Oklahoma | 74 | 4 |
| Oregon | 72 | 4 |
| Pennsylvania | 70 | 6 |
| Rhode Island | 65 | 6 |
| South Dakota | 76 | 3 |
| Texas | 86 | 2 |
| Utah | 85 | 1 |
| Virginia | 74 | 6 |
How Much Is Farmers Home Insurance?
For most homeowners, Farmers home insurance costs $192 monthly and $2,304 yearly. However, depending on your unique profile and coverage needs, costs can vary from $50 to $3,660 monthly. Below, we've broken down costs in a filterable table that can fit your profile.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
Select
Age of Home:Older Homes
| $250K Dwelling / $125K Personal Property / $200K Liability | $192 | $2,304 |
Farmers Home Insurance Cost by State
Costs also vary heavily by state. Below, you can review pricing for Farmers home insurance by location:
| Alabama | $268 | $3,211 |
| Arizona | $168 | $2,021 |
| Arkansas | $284 | $3,409 |
| California | $93 | $1,111 |
| Colorado | $478 | $5,735 |
| Connecticut | $108 | $1,297 |
| Georgia | $189 | $2,269 |
| Idaho | $123 | $1,474 |
| Illinois | $136 | $1,636 |
| Indiana | $189 | $2,269 |
| Iowa | $139 | $1,663 |
| Kansas | $320 | $3,845 |
| Maine | $96 | $1,155 |
| Maryland | $124 | $1,483 |
| Massachusetts | $99 | $1,193 |
| Michigan | $180 | $2,155 |
| Minnesota | $169 | $2,029 |
| Montana | $252 | $3,027 |
| Nebraska | $342 | $4,109 |
| Nevada | $87 | $1,047 |
| New Hampshire | $95 | $1,136 |
| New Jersey | $95 | $1,138 |
| New York | $104 | $1,245 |
| North Carolina | $342 | $4,103 |
| North Dakota | $252 | $3,029 |
| Ohio | $119 | $1,431 |
| Oklahoma | $643 | $7,721 |
| Oregon | $96 | $1,152 |
| Pennsylvania | $126 | $1,509 |
| Rhode Island | $145 | $1,741 |
| South Dakota | $227 | $2,728 |
| Texas | $240 | $2,884 |
| Utah | $57 | $689 |
| Virginia | $142 | $1,707 |
Farmers Home Insurance Coverage Options
In addition to standard coverage options, Farmers offers the following add-ons:
Add-on Coverage Option | Coverage Details |
|---|---|
Extended replacement cost | Provides financial protection in addition to your current limits that's 25% higher |
Guaranteed replacement cost | Protects against all covered losses, regardless of cost |
Building ordinance upgrades | Covers upgrades to your home after covered damage if building ordinances or laws require them |
Sewer and water drain damage | Pays for water damage caused by backup in drains and sump pumps |
Scheduled personal article | Insures your high-value personal items up to a set limit |
Farmers Cyber and Identity Shield | Provides identity protection services |
Farmers Homeowners Insurance Review: Bottom Line
Overall, Farmers ranks among our top five for home insurance policies, and we recommend contacting it for quotes. While Farmers may be a good provider, compare other options and pricing to get the best deal.
Farmers Home Insurance: FAQ
Below are answers to frequently asked questions about Farmers home insurance:
Is Farmers home insurance good?
Farmers is a good coverage option for home insurance, earning the fifth overall spot in the nation. The company ranks fourth nationally for affordability and customer service and fifth for coverage options.
How much is home insurance with Farmers?
Farmers home insurance for $250,000 in dwelling coverage is around $2,304 per year, or around $366 cheaper than the national average. However, pricing can range from $600 to $43,920 annually, depending on your personal profile and coverage choices.
How is Farmers home insurance customer service?
Our review of Farmers home insurance places the company fourth overall for customer service. Farmers also has high rankings for home insurance claims and overall customer satisfaction, according to J.D. Power.
How We Rated Farmers Home Insurance
We used the following base profile to determine rates for all homeowners insurance providers and judge their affordability:
- 40-year-old homeowner
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the past 5+ years
Our ratings system consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared costs relative to the national average and competition.
- Customer experience (35% of score): We considered forum ratings from customers, industry studies from J.D. Power and AM Best Financial Strength scores.
- Coverage (10% of score): This score considers add-on coverage selections relative to the average and the uniqueness of selections available.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.