Farmers Insurance Reviews 309

They allow their insured to commit adultery felony, ignore it, refuze to pay your damagez and injuriez, then try to cover it all up by having several attorneyz to make up a story about your claim, being time-barred...

Absolutely horrible customer service. As a contractor I deal with 10 to 15 claims a week. This entire company from the agents to the adjuster are beyond unprofessional and rude.
Anyone shopping around for insurance please use someone else. They will deny your claims, give you the run around, low ball your claim amount. I highly recommend anyone other then this company.

A Farmers insurance insured client hit our vehicle - her fault documented fully by police report. Farmer claim took almost a week to get back with us - we have a high end luxury SUV - they told me their body shops didn't like to repair luxury cars to call the dealer and see what body shop they use - I did and took the car to the body shop and was informed it wasn't safe to drive so I had to leave the car and get the rental car which was a big hassle with Farmers trying to put us in a cheap sedan when we have medical issues as well and require a SUV - finally got that done - inferior car to ours but an SUV. Then they rejected the body repair amount and the body shop said they were asking them to repair the car at substandard to the Genesis policy for repair and they (the body shop) refused to agree to that. Then Farmers started notifying me they would just send me a check for the lower amount and I'm stuck with the balance and all the stress. TERRIBLE SERVICE and TERRIBLE POLICY - could care less about doing what is right. It's all about money and this is why the insurance industry is so disrespected. Our claim agent was Hilary Ward but they're all probably the same. We turned this over to our insurance carrier who will pay for everything and go after farmers for the money so I don't have to deal with Farmers again. If I could give them a negative rating I would.

Horrible. I called in to cancel my account because I want to go with another company since I did not like their service and mistreatment. They told me I don’t need to make any official cancellation which was a lied and they sent my account to collections. They are so rude and have horrible communication skills. They lied and tried to overcharge me. I absolutely hate them.

Astronomically high rates for auto and home owners insurance when we have not had a claim on over 30 years for any insurance companies, but premiums went up every 6 months. Just got the same coverage and a bit more for about $2200 less per year! Stay away from Farmers insurance!

1 star. house insurance is wayyy overpriced, look elsewhere.

If I could leave negative stars I would. My house caught on fire January 2, 2025 here we are 3 months later and I am still trying to get my money back from Farmers. They left me in a cold dark house and would not return my phone calls or texts. I had to clean up my own fire damage and call an emergency contractor to come out and board up the hole in the house. I wasn’t even offered a hotel. I had to continue to call and text the adjuster to get a hotel as I had to sleep on somebody’s couch the first night. Their initial offer to fix my fire damaged home that was caused by GE repairman was to offer me $1500 plus a possible recovery
Of another 2300 once I proved I paid for all the repairs. I had to hire a public adjuster which then turned into Farmers adjuster Matt Craft, calling and threatening me and trying to use strong arm tactics to get me to settle immediately. Now here we are over two months later and Farmers is refusing to subrogate with GE, they’re refusing to pay me back any of my out-of-pocket expenses or time . Even After they refused to help with any cleanup, but yet said they were going to kick me out of the hotel if I didn’t get back in the house so I had to spend 49 of my own personal hours cleaning fire damaged walls, furniture, floors, ceilings, and I had to arrange all the contractors to come out and give bids and make repairs and pay all of that out of my own pocket. Delay , defer, deny that is absolutely Farmers method. They did not for one second care about me, my animals, or my daughter and they absolutely just use strong arm tactics to pay as little as possible. Matt Craft the adjuster is a flat out liar and I continue to have to provide text and phone conversations to prove that he’s lying to try to get my money back after I’ve paid a policy and this fire was no cause of my own. Pretty bad when GE‘s insurance company is calling me weekly to let me know that Farmers still won’t contact them to subgrogate the claim.
I would never recommend Farmers to anyone , they will lie and deny to save every penny they can.

# Review: Farmers/Foremost Insurance - Claim Experience

## 1-Star Rating ★☆☆☆☆

After 10 years as a Farmers/Foremost policyholder with consistent on-time premium payments, I am documenting my recent experience with an interior drywall damage claim.

The facts of the situation are as follows:

1. Farmers/Foremost has acknowledged that my interior drywall damage is covered under my policy.

2. The insurance company has issued payment of approximately $700 for the covered damage.

3. I have obtained three separate professional contractor quotes for the necessary repairs. The lowest quote is $3,500, and this does not include all required materials.

4. When presented with these three independent professional quotes, Farmers/Foremost representatives stated that all three quotes were "unreasonable" and suggested I continue searching for lower-cost options.

5. Upon inquiry, the claims representative, Kevin Moser, explained that the $700 payment amount was determined by inputting data into a spreadsheet program that calculated the payment, without apparent consideration for actual repair costs in my area.

6. My premium payments to Farmers/Foremost over my 10-year history as a policyholder exceed the amount of this claim. When I inquired about this fact, the representative declined to address the question.

7. This matter has remained unresolved for one month despite multiple communications with my broker, contractors, and Farmers/Foremost representatives.

8. Communications with Farmers/Foremost have been consistently one-sided; representatives do not return calls unless repeatedly contacted.

The end result is that I must pay over $2,800 out of pocket for repairs that Farmers/Foremost has acknowledged are covered under my policy.

I am providing this information so that other consumers can make informed decisions regarding their insurance provider selection.

On feb10th 2024, I suffered water damage to some of my personal items damaged by water in my home, the first step was filing a claim with farmers insurance, that process was easy, the next step became a dance of multiple steps, in which farmers sent a third party to my home to take away the less than 10 damaged items. After no follow up with my adjuster I started making calls , which was unanswered, next step I reach out to a supervisor, with farmers and more dancing around with reimbursement and numerous of failed emails sent by farmers with the list of contents, we are now more thsn s month into my claim, and I still don’t have any resolve to my claim filing or status, I’m so disappointed with farmers

We had a deeply disappointing experience with Farmers Insurance. As long-time policyholders in California, we insured both our home and vehicles with them for many years. When we purchased a new home, Farmers initially agreed to insure the property, only to drop us after we had closed escrow. Their reasoning? The plumbing was “too old” — despite the fact that they were fully aware of the home's age when they provided a quote and accepted our payment.

To make matters worse, they assured us that our auto policies would remain unaffected. Yet, just a few months later, we received a notice from the DMV informing us that Farmers had also canceled our car insurance—without any prior communication. The entire experience left us scrambling to secure new coverage on short notice.

I strongly caution anyone considering Farmers Insurance to think twice before entrusting them with their coverage.

We had a horrible issue with farmers insurance. My husband got a bundle deal through work. After he retired we didn’t get notified of having to pay out of our checking instead of payroll deduct. So they fixed it and they emailed an auto-deduct form for our checking. He signed it and emailed it back. Then this year rolls around and we cannot renew our plates by mail bc they say we have no insurance. I called Farmers. They said they never got the form and now want thousands of dollars to “start” a new policy. Why didn’t anyone inform us that they didn’t get the form? Our homeowners insurance is through them and we thought it was for our cars too. This is a total racket!

UPS workers Don't buy a policy from this institution, I canceled my policy months ago and they still charge me $12 a month. Expensive and useless.

⭐ 1 Star

I had an absolutely terrible experience with Foremost Insurance/Farmers and their bad faith claim denial tactics. I filed a claim for vandalism and burglary at my insured rental property on November 6, 2024. Despite providing clear documentation of ongoing repairs and security upgrades, they wrongfully denied my claim on January 29, 2025, falsely stating that my property was "vacant" for over 30 days.

🚩 Major Issues with Foremost Insurance:
❌ False Claim of Vacancy – My policy clearly states that a property under repair is NOT considered vacant, yet Foremost ignored invoices proving repairs through November 2024 and denied my claim anyway.
❌ Delayed & Unprofessional Handling – It took weeks to even get a response from an adjuster, and my claim was transferred without notice multiple times. When I finally got to speak with a manager, they admitted their team was slow but did nothing to fix it.
❌ Serious Financial Losses – Because of their refusal to pay, I am losing over $2,000 per month in mortgage payments, taxes, utilities, and maintenance because I can’t rent the property in its damaged state.
❌ Ignored Key Evidence – I submitted contractor invoices, security system records, and emails documenting their delays, and Foremost still refused to reconsider.

💡 If you are thinking of using Foremost for home or rental property insurance, DON’T. They will find any excuse to deny your claim and make you jump through hoops while you lose money.

I have already filed formal complaints with the Illinois Department of Insurance, the Attorney General, and the Better Business Bureau. If you’ve had a similar experience, I suggest you do the same.

Foremost Insurance is the definition of bad faith insurance practices—stay away! 🚨

I only got farmers because my company goes through them and I was supposed to be getting a discount if I have the payments come out of my paycheck. When I signed up they said once price. Which was a good one. But a month later I get a letter in the mail saying the price has increased. I asked to have the bill to be taken out of my bank account instead of paycheck because $100 each week is alot.( which they get more in the end). To do so they make it beyond complicated. Print, fill out (paper is complicated as well) then send it back and hope you filled those out correctly.
Called to cancel one agent said I just need to pay my last bill. But can't cancel til after then to call back.
Asked to talk to someone else. And she said we needed to pay over $1000. Told her I had her and the last agent audio recorded on how you both say 2 different things. She put me on hold came back and said last weeks bill +$20. Was with them 2.5 months. Horrible.

I currently have Farmers and the corporate side is terrible. Bills and policies are not comprehensible. Fees are hidden. Accounting makes no sense. Lots of fine print Agent will not disclose even if asked. Higher Auto rates than other insurers. Don't give them your credit card number! You have to request any refund you are owed, otherwise they keep it.

We had farmers insurance for 30 years and never used a dime!
There was a small fire in our Kitchen it burned thecorner of a cabinet and the corner of a window!
Farmers came in and gutted my Beautiful kitchen, which was beautiful well-made, high-quality cabinets and put in some trash, broken down, garbage Cabinets made out of press board where the drawer fall off And doors on cabinets come loose because it’s all made out of pressboard garbage !
They made money off my fire. They didn’t help me at all.
They’re the worst insurance company ever. Do not trust them for anything. They’re today liars and thieves !

Lane Bryant went above and beyond that's definitely the definition of excellence customer service keep up the good work!

One of the worst insurers, spends hours on the phone with no results. Does not cover losses. Does not issue new insurance to several people. They should be investigated. No wonder they're so overpriced, this company is ran awfully.

LaToya Nicole Terry is an unprofessional employee. Her client was completely at fault in the accident, yet she was impossible to reach. Calls to her went unanswered, and no replacement car was provided. On top of that, she forced us to fill out forms that should have been handled by the Body Shop. The Body Shop staff yelled and argued with her, but nothing changed. She eventually stopped responding to calls altogether, ignoring us entirely. As a result, I’ve been without a car for a week. This level of service is unacceptable and beyond frustrating.

I was in a minor automobile accident June 6, 2022. Irma Ashton has been my Farmers Insurance Agent for about 29 years. My first call was to her, then to the claims agent who was not very good at following up with me. So I spoke to her Supervisor, Julie Morcos. OMG, this lady is AMAZING. She either answered each call I made or same day returned my call. And I have to admit I was not at all the easiest person to deal with. I was very upset that from a very minor accident the plaintiff felt she hit could easily walk away with a huge settlement. Absolutely ridiculous. Over the last 2 &1/2 years Julie has been more than patient spending literally hours explaining the step by step process. She is not only professional, knowledgeable, and so kind. When we end the call, I genuinely feel she really cares and I am not just another client. She is such an asset to Farmers Insurance. If Farmers acknowledges superior customer service, she should receive the employee of the year award.