Farmers review

Farmers writes auto, home, renters, motorcycle, life and landlord policies, listed under auto, home and renters. Every line sits with the same provider rather than being split across separate underwriters. The legal entity behind them is Farmers Group, Inc., so policy wording, claims handling and renewal all come from the same insurer.

Farmers prices each line for the address, the vehicle and the cover chosen, so the quote figure is what counts. As a guide to the range, the median starting premium across the personal policies listed is €8.37, with €2.92 and €29.72 marking the lower and upper ends of the typical band.

Support runs on phone. There is no message or live chat route in the mix, so a question about cover or a renewal means picking up the phone and waiting for an agent. Keep your own note of the reference number given on the call, since that is the thread to quote if the policy changes later.

Claims are handled on phone, the same route as general support. Motorbike claims follow the same pattern, so have the policy details and what happened to hand before you dial. The claim reference given on that call is what you quote on any follow up, and the claim stays with the same insurer that wrote the policy.

The policy is issued by Farmers Group, Inc., a insurer rather than a broker, so the company named on your documents is the company carrying the risk. It has been trading since 1928 and is headquartered in the United States. That length of record matters mainly for continuity: the same entity renews and pays out.

Farmers is a insurer based in the United States, and the cover described here is written for that market. A reader in another country is better served by a provider registered at home, because the wording, the claims process and the law behind the policy all follow the local market rather than the US one.

Farmers Group, Inc. has been trading since 1928, which puts it among the longer established names on the market. Age says little about price, so the useful comparison is what each line costs and how claims are handled: here support runs on phone and claims on phone.

Not from separate underwriters, because auto, home and renters all sit with Farmers, so auto, home, renters, motorcycle, life and landlord cover can stay under Farmers Group, Inc.. Whether the lines qualify for a bundle or a discount is decided on the quote, and the wording of each policy still stands on its own.