Farmers Homeowners Insurance
Farmers Insurance
4.0
Avg ~$2,300/yr. Eco-rebuild option. Declining deductible. Local agent network.
Editorial score
4.0 / 5
Product type
home insurance
Our take
Farmers Insurance stands out with its Declining Deductible® (reduces $50/yr for every claim-free year), eco-friendly rebuild option (green materials after a loss), and a robust local agent network for in-person guidance. Rates run higher but service quality is strong.
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Full details
| best for | Homeowners who value local agent relationships and unique policy features |
| specialty | Eco-rebuild, declining deductible |
| am best rating | A |
| jd power score | 793 |
| headline metric | From ~$192/mo |
| home value tier | standard |
| secondary metric | Declining Deductible® |
| states available | All 50 states |
| bundling discount | up to 20% |
| avg annual premium | 2300 |
| avg monthly premium | 192 |
| discount highlights | Declining deductible, non-smoker, multi-policy, claims-free, new home |
Frequently asked questions
What should I compare besides premium for Farmers Homeowners Insurance?
Look at coverage limits, deductibles, exclusions, and customer service reputation. The cheapest quote is not always the best value if coverage is weaker.
Is Farmers Homeowners Insurance right for me?
Farmers Insurance stands out with its Declining Deductible® (reduces $50/yr for every claim-free year), eco-friendly rebuild option (green materials after a loss), and a robust local agent network for in-person guidance. Rates run higher but service quality is strong.
Related guides
Verified Apr 2026
Farmers Homeowners Insurance