TLDR
  • Estimated $2,145/year (~$179/month) for a standard $300k policy — above the national average
  • NAIC complaint ratio 0.88 (near industry average); B financial strength
  • Availability: Nationwide
  • Guaranteed replacement cost option
  • Among the more expensive national carriers
NAIC complaint ratio  0.88  — near industry average

About Farmers homeowners insurance

Farmers sells through dedicated agents and offers strong optional coverages, including guaranteed replacement cost that pays to rebuild even if costs exceed your limit. The trade-off is price — Farmers is among the more expensive national carriers — but its coverage menu and agent service appeal to homeowners who want a hands-on relationship.

Who Farmers homeowners insurance is right for

Homeowners who want a full-service agent and premium coverage options like guaranteed replacement cost, and who'll pay more for them.

How much does Farmers homeowners insurance cost?

Farmers homeowners insurance averages roughly $2,145/year (about $179/month) for a standard policy with around $300,000 in dwelling coverage and a $1,000 deductible — above the national average of about $1,915. Homeowners pricing varies enormously by state, dwelling amount, roof age, and claims history, so treat this as a directional benchmark and get a quote for your specific home.

Availability: Nationwide.

Farmers homeowners insurance pros and cons

Pros

  • Guaranteed replacement cost option
  • Full-service agents and broad coverage menu
  • Strong optional endorsements

Cons

  • Among the more expensive national carriers
  • Best value requires bundling and add-ons
  • Complaint ratio around average

Bottom line: Farmers is for homeowners who value coverage depth and agent service over price. If cost is the priority, the carriers above will almost always beat it.

Compare rates
Cheapest home insurance for your ZIP
Rank every carrier by estimated price for your exact ZIP and profile — in seconds, no calls.
Coverage calculator
Not sure how much you need?
See what to buy and what to skip — and how each choice changes your price.
Help me choose my coverage options →

Compare Farmers homeowners rates by state

California →Texas →Florida →New York →Colorado →Oklahoma →Ohio →Georgia →North Carolina →Illinois →Pennsylvania →Michigan →Virginia →Washington →Tennessee →

Frequently asked questions

How much is Farmers homeowners insurance?
Roughly $2,145/year (~$179/month) for a standard $300k-dwelling policy — above the national average. Your exact price depends on your home, deductible, and claims history.

Is Farmers good for homeowners insurance?
It carries an NAIC complaint ratio of 0.88 (near industry average) and B financial strength. Farmers is for homeowners who value coverage depth and agent service over price. If cost is the priority, the carriers above will almost always beat it.

Not sure how much coverage you need?
Use the home coverage calculator to size your dwelling, liability, and add-ons before you compare Farmers against other carriers.

Get notified when Farmers home insurance rates change.
No spam, no calls, no selling your information.