All About Farmers Car and Home Insurance

Farmers Insurance offers car, home, and other insurance types. The Better Business Bureau gives it an A+ rating for customer-complaint response.
Founded in 1928, Farmers Insurance originally was started to provide coverage for vehicles used on rural farms across America. Since its early beginnings, the company has grown to cover standard vehicles, homes, and more. Known for its unwavering commitment to its customers, the company seeks to uphold its founding ideals in high-quality service.
Part 1 of this article describes the key differences between Farmers and other insurers, Part 2 lists the types of insurance that farmers provides, Part 3 goes into more detail about the different options for coverage that Farmers has, Part 4 discusses discounts at Farmers, Part 5 lists which states Farmers operates in, Part 6 gives information about available Framers apps, and Part 7 covers the ratings for Farmers from A.M. Best and the Better Business Bureau (BBB).

Part 1 of 7: Farmers key differentiators compared to other insurance companies

In addition to its history as an early insurer of farm and ranch vehicles across the U.S., Farmers Insurance is also known for its dedication to its customers. The first insurance company to offer comprehensive auto coverage to its customers following a devastating Los Angeles earthquake in the 1930s, Farmers has remained at the forefront of innovation, offering out-of-the-box insurance programs to the company’s customers. Farmers also opened the University of Farmers — to train agents and other employees — in the 2000s.

Part 2 of 7: Types of car and home insurance provided by Farmers

Farmers has grown from its early days as an insurer of farm vehicles to provide coverage for a variety of cars, trucks, and other vehicles. In addition, Farmers provides insurance for homes, condos, mobile/manufactured homes, and specialty homes, such as vacation homes, rental properties, and vacant homes. Farmers offers the following insurance types when it comes to your car or home.
  • Car insurance types: Farmers offers the basic laundry list of insurance coverage when it comes to your car, including:
  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Medical Payments
  • Personal injury protection
  • Home insurance types: In addition to the car insurance coverage above, Farmers also offers basic home coverage, including main dwelling, personal belonging, and liability coverage, as detailed below.
  • Main dwelling coverage
  • Personal belongings coverage
  • Liability coverage
  • Medical payments
  • Additional living expenses

Part 3 of 7: Coverage options provided by Farmers

Along with standard insurance coverage for your car or home, Farmers also has other insurance coverage options. The section below goes into more detail on the different car and home coverage options offered by Farmers.
  • Car insurance coverage options: Farmers has a long list of coverage options to provide additional coverage for your car, including:
  • New car pledge
  • Accident forgiveness
  • Small claim forgiveness
  • Incident forgiveness
  • Loss of use
  • No fault, no foul
  • Comprehensive claims forgiveness
  • Personal umbrella
  • Towing & roadside assistance
  • Glass repair service
  • Car rental reimbursement
  • Extended customized equipment coverage
  • Farmers Rideshare
  • Home insurance coverage options: In addition, Farmers has the following home insurance coverage options.
  • Earthquake insurance
  • Flood insurance
  • Scheduled personal property coverage
  • Identity shield coverage

Part 4 of 7: Discounts you can get through Farmers

In order to help you save money, Farmers also offers a variety of discounts for car and home insurance. You can find the different discounts Farmers offers in the sections below.
  • Car insurance discounts: Farmers has a variety of discounts for drivers to help keep their costs down, including:
  • Distant student discount
  • Homeowners discount
  • Mature driver discount
  • Safety discount
  • Bundling discount
  • Home insurance discounts: You can save money with Farmers on your home insurance by taking advantage of the following discounts:
  • Bundling discount
  • Home improvements discount
  • Non-smoker discount
  • Security and fire protection discount
  • Roof replacement discount

Part 5 of 7: States in which you can find Farmers

With offices across the U.S., customers report that Farmers provides top-notch service to those who live in the city and the country. One of the oldest insurers in the U.S., Farmers operates in all 50 states and the District of Columbia.

Part 6 of 7: Available Farmers apps

Farmers has a mobile app, the Farmers Mobile App, which allows you to view your ID card, pay your bill, and contact your agent. Available for both Apple and Android devices, the Farmers Mobile App also allows you to check out your policy details, receive your bill digitally, and make a claim all from the convenience of your mobile device.

Part 7 of 7: BBB and A.M. Best ratings for Farmers

To learn more about Farmers business practices, you can check out the company’s -profile on the BBB site. According to the BBB, Farmers has an A+ rating, meaning that the company responds quickly to customer complaints with generally favorable results.
To check out Farmers financial stability, review A.M. Best ratings, which give Farmers a financial stability rating of A, which means the company is stable and represents a good investment for your money.
With almost 100 years of service, Farmers Insurance’s dedication to its customers and the service it provides has set the company apart from other insurance companies. This dedication to serving its customers is best exemplified in the creation of the University of Farmers, which trains its agents and employees on the latest in insurance education, allowing them to better serve the company’s customers.

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