Farmers InsuranceReviews of farmers.com

# 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.