Farmers | Homeowners Insurance

Farmers Homeowners Insurance
3.6
Protect your home and belongings with reliable coverage, fast claims, and peace of mind.

Average Premium

  • $300k dwelling coverage $2577 / year
  • $750k dwelling coverage $6257 / year

Coverage States

Rates by Dwelling Limit

Dwelling Limit Farmers National Average
$150K dwelling $1,488 $1,459
$300K dwelling $2,577 $2,424
$350K dwelling $2,986 $2,740
$450K dwelling $3,821 $3,374
$750K dwelling $6,257 $5,254

Pros & Cons

Pros
  • Pre-set coverage plans can simplify buying a policy
  • Wide range of endorsements and benefits offered
  • Multiple coverage choices available
Cons
  • Premiums above the typical range
  • Rated below average in the 2025 J.D. Power Property Claims Satisfaction Study
  • Not offered in every state
Renter Insurance
Also From Farmers Renters Insurance Protect your belongings and liability with affordable, flexible coverage built for tenants.
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Discounts

  • Rent to own discount: Renters who have maintained a renters insurance policy for over a year may qualify for a discount when they purchase a home and switch to Farmers homeowners insurance.
  • New home discount: Farmers may automatically apply this discount if your home is under 14 years old.
  • UL-approved roofing materials discount: Homes with roofs made from Underwriters Laboratories-approved asphalt or fiberglass shingles may be eligible for savings.
  • Green certifications discount: If your home holds certifications such as ENERGY STAR, LEED, or EPA recognition, you could receive a discount.

Details

  • Customer service: 1-888-327-6335
  • Claims: 1-800-435-7764
  • Website: farmers.com
  • Mailing address: 6301 Owensmouth Avenue Woodland Hills, CA 91367

More Insurance Options

  • Renters Insurance
  • Home Warranty