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Business Profile

Insurance Companies

Farmers Insurance

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Farmers Insurance's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 1,811 total complaints in the last 3 years.
    • 603 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:02/09/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I would like someone from the corporate office customer relations to please reach out to me to resolve an issue I have not been able to resolve calling the 800 number. My payment method got a fraud alert on it for a very brief time and therefore it didnt process and as a result I got dropped. This was about 2 weeks ago. I want to reinstate my stuff. Theres more to explain and Id I like you to call me ************ please to work out this problem your agents havent solved for me on the phone. I know Foremost is part of Farmers Insurance, so it can be Farmers corporate relations office as well as long as you can access my info which I think you can.

      Business Response

      Date: 02/17/2023

      Thank you for notifying Farmers of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry. The customer has contacted us directly and their concerns have been fully resolved.
    • Initial Complaint

      Date:02/09/2023

      Type:Order Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      In November of 2022, I made an offer on a home in ***********, ** on *****************. My mortgage company needed an insurance quote for Homeowners Insurance, and I chose Farmers because the offered an excellent rate, and because of the professionalism and competence of *****************************, the insurance agent. The roof on the home needed repair, so on November 17, 2022 I got an estimate for a roofer. The bank underwriter did not want me to contract with him until after the closing. The closing was on December 3, 2022 and I signed the contract on December 5. The roofer told me I was 4th in line (which was the issue with all roofers in the area). Over the next 3 weeks it rained every day, pushing the repair out until January 4, 2023. The insurance inspector came to my home in the last part of December. He took pictures of the roof, held his camera under the kitchen and bathroom sinks, and snapped other photos. On January 27, 2023, I received a notice of CANCELLATION of my policy for 3 issues: 1-Roof repair 2- Bathroom sink was non-standard plumbing- no explanation 3- Kitchen sink leak under cabinet. -The roof was repaired as soon as any contractor in this area could complete it. ******************** came and photoed the roof and submitted to underwriters. -The bathroom sink was inspected by a licensed plumber from City Plumbing, stating everything was up to code under sink in bathroom. -******************** came to my home and took a picture of the kitchen sink under the cabinet. ******************** looked at where the Farmers inspector indicated a leak from the pipe. THERE WAS NO LEAK, ONLY PLUMBERS PUTTY. Farmers, according to the notice, is offering for me show repairs. However, they have stated that even with proof of repair, I must agree to a $10,000 deductible on ALL PERILS. This is not fair since the roof was the ONLY repair, and was contracted before the inspection. Please don't do this to me. I am elderly and disabled. I did nothing wrong.

      Business Response

      Date: 02/21/2023

      Case:19374630


      To Whom It May ********************* you for notifying Farmers of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.

      To protect confidential consumer information, we do not disclose information about our review. We have been in contact with the consumer to address their specific concerns in the complaint above.

      Customer Answer

      Date: 02/21/2023

       
      Complaint: 19374630

      I am rejecting this response because:

      The All Perils deductible is still set at $10,000. I did everything on my end to fix the issue. No one told me, and there was nothing that I signed, before the inspector came that the deductible would be at $10,000 because it rained and Farmers issued the policy before they inspected the property. I am elderly and disabled. Please do not cancel my insurance because I feel that the deductible should reflect what I agreed to at the time of issue. I have owned homes since ****.i am a good person and a great customer. I pay on time and follow all of the rules. I will accept a $5000 deductible since the roof was replaced. Please help me out with this, and you will be rewarded by continuous patronage of the highest caliber. I do appreciate you reinstating the policy. 


      Sincerely,

      *************************

      Business Response

      Date: 02/22/2023

      Case:19374630


      To Whom It May ********************* you for notifying Farmers of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.

      The clients policy was reinstated without lapse in coverage with the increased deductible.  The client was notified of the required underwriting guidelines for reinstatement in the Notice of Cancellation Letter sent in January.

      Customer Answer

      Date: 02/22/2023

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      *************************
    • Initial Complaint

      Date:02/09/2023

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I had been trying to cancel my insurance with Bristol West (policy #: G011111343 (02)) , and backdated it because I had assumed it had already been done via *****.ai where I had purchased the insurance. I provided the necessary documents in a PDF file showing I had duplicate coverage via State Farm. I dont understand why they are saying the letterhead isnt visible when I provided a PDF file. Please help me cancel this insurance and refund the money debited from my bank account. Thank you.

      Business Response

      Date: 02/13/2023

      To Whom It May ******************** you for notifying Farmers Insurance of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry. 

      To protect the confidential consumer information, we do not disclose information about our review. We have been in contact with the customer to address their specific concerns in the complaint above. No additional action is required at this time. 

    • Initial Complaint

      Date:02/08/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I attempted to get a new business insurance account from a local ******** branch, information below. I provided eactly what I needed and after setting up the policy I found it lacked key aspects so I cancelled the policy. The policy was cancelled, yet I still am getting bills. The local branch claims I have not completed some forms so they continue to charge me even though they have confirmed my policy has been cancelled.Local Branch:***************** Farmers Insurance **************************************************************** License Number: ******* ************ ******************** ******************** (Fax)

      Business Response

      Date: 03/02/2023

      Case:   058649

      To Whom It May ********************* you for notifying Farmers of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.

      To protect confidential consumer information, we do not disclose information about our review. We have been in contact with the consumer by email to address their specific concerns in the complaint above.
    • Initial Complaint

      Date:02/07/2023

      Type:Order Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have requested contact regarding homeowners insurance policy reimbursement for quite awhile and have received no explanation as to why a reimbursement check cannot be mailed or submitted to the credit card on file. When the same policy increased in Nov. 2022, I paid $434.01. Why can't Farmers do the same when the policy decreased during the same policy period? On 11.30.22, I called to advise about a new roof installed on 11.29.2022 and wanted it added to the policy. I was told on the phone and later emailed the same day that I would receive a reimbursement in the amount of $390.01. On 1.26.23, I called asking when I would receive the reimbursement because I still had not received it as stated in the email. ********* told me that the reimbursement amount changed and was now $403.89; however, they (Farmers Insurance) wouldn't send a check or reimburse to the credit card on file but rather would apply it to the upcoming premium in March 2023. I shared that I do not want it put towards my premium, I want it reimbursed either by check or the credit card on file. Plus, why did it take two months to tell me this. Agent ********* said she would get with ****, who operates ********************* Farmers Insurance in *******, about my request and get back with me. I called 1.27.23 to see if there was an update and was told they were still looking into it. I asked if there was anything in writing to prohibit the reimbursement, she stated she didn't know. I requested again that ***************** me to speak with her about the matter. I called again on 2.1.23 and left a voice-mail requesting contact. I called on 2.2.23 and 2.3.23 and no on answered the phone call. On 2.3.23, I submitted an email directly to Farmers submitting the same question requesting contact on the matter. On 2.7.23, I called Farmers once more to speak with **** about the matter. I was told at 10:19am CST that she would call me back in just a few mins but first she wanted to review my policy. 5 hours later still no ret call.

      Business Response

      Date: 02/07/2023

      Case:FIG-23-02-058564


      To Whom It May ********************* you for notifying Farmers of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.

      To protect confidential consumer information, we do not disclose information about our review. We have been in contact with the consumer to address their specific concerns in the complaint above.

      Customer Answer

      Date: 02/08/2023

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      *******************************
    • Initial Complaint

      Date:02/06/2023

      Type:Customer Service Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I ******************************* own a 3 unit apartment building that consist of a house with a apartment above. On 8/11/2022 I received a call from tenant in the lower house, stating there was water coming down her kitchen from the above unit. I visited the property and to enter the top unit to see where water was coming from. No one answered the door. Daughter called me back stated father was in the hospital and she would not be able to open until 8/13, she was able to get copies of keys and allowed me in and plumber on 8/12. I called Farmers on the 8/11 to let them know of the water damage. Farmers sent a restoration company to dry water damage from both top and bottom units. On 8/18 restoration company "Servpro" visited the property and had me sign documents that I believed was permission to enter the property and give a diagnosis of the damage. Both units had drywalls removed, top unit bathroom was completely striped. I left things in the hands of my agent. I believed she was handling my file and claim. Time passed by and I kept calling my agent " *****************" no answer. I called for weeks and No Answer. I visited her office and it took me 3 trips before I could find her at her office. She was surprised to see me and said, She had opened the case for the water damage but that an adjuster should have called. I explained no one from Farmers has called and I am worried since the homes have been worked and I don't even know what's happening with my claim. ***************** told me to wait and I would hear from Farmers. Again, weeks went by and No phone call from Farmers or my Agent. A month in a half later I received a invoice from a company for over $5,000.00 stating I owed them money for services on the property for the restoration and cleaning. I then called the restoration company. They told me Farmers had rejected my claim. I know need help because I don't have the money to pay plus I never knew I had to. Farmers should have paid this claim.

      Business Response

      Date: 02/15/2023

      We are in receipt of your inquiry regarding ***************** concerns with her claim.  We appreciate the opportunity to review and respond.
      Upon careful review of the information known to us, we respectfully maintain that the outcome of our investigation was appropriate as the policy does not provide coverage for these types of damages.
      We have confirmed that **************** has the contact information for her new agent and for our policy services department. We regret that **************** experienced frustration during her claims process and appreciate her as a customer. 
    • Initial Complaint

      Date:02/06/2023

      Type:Service or Repair Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My unattended (parked) truck was hit by another motorist who left the scene. I later arrived at my truck and found an apology note from the motorist who admitted running into the back of my truck with a trailer they were towing causing severe damage to the rear end of my vehicle. I tried to contact them but was unable to reach anyone. I filed a report with the ******** Park Rangers since it was on state park territory and then filed the incident to my insurance company (USAA) who opened a claim for the incident. The person who hit my truck later called me back and provided their insurance information, ******** insurance. I took my truck to a certified body shop that my insurance recommended and was given a 2 week estimate on how long they would need to fix my truck. I spoke to my insurance and ******** insurance and was told I would be covered for a rental vehicle during that time that was of equal class to my vehicle (a mid size truck). My insurance would cover what was on my policy (an economy car) and ******** would cover the remainder for an equal class rental. I was informed I would have to cover the additional costs of an equal class vehicle (a mid size truck) up front and ******** would reimburse me once my insurance sent the claim total for payment to ********. I accepted the inconvenience and covered the difference as I needed a truck for work (I often tow trailers). After my truck was fixed and a payment request was sent to ******** from my insurance company (USAA) I contacted the ******** agent I had previously spoken with who put me in contact with the local claims managers who I initially spoke with and sent all the information and receipts to. She said she would take care of it but after a few weeks she stopped responding to my emails or taking my calls. It's been 8 months since my vehicle was hit and ******** still owes me the difference for the rental vehicle. I don't know who or where to go to get my reimbursement. I need help.

      Business Response

      Date: 02/14/2023

      We thank you for bringing this matter to our attention.  We confirmed that the payment issued on 01/31/2023 was received and cashed and your out of pocket request was processed and paid. 

      We apologize for any frustration caused by our claim handling. For questions regarding this claim, please contact Claims Supervisor ************************* at **************.

      Should anyone have any questions regarding this response, please contact me at ************* or by email at ****************************************************.

      Sincerely,
      Farmers Insurance Exchange
      *************************
      Claims Consultant
      Claims Customer Relations

      Customer Answer

      Date: 02/15/2023

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      *********************
    • Initial Complaint

      Date:02/06/2023

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      In October of 2020 I signed up for commercial and worker's compensation insurance with Farmers Insurance. *********************** was my agent who conducted all business via email and telephone. I was NOT advised about worker's compensation exclusion form for business owners, other than what have *** been in the policy jacket. However, I was a new/first time business owner and this should have been a specific discussion. September 2021 I completed my first audit, which came back that I owed $800 towards premium. I did NOT know what this was for as the summary did not explain, I assumed it was due to employees working more hours than I provided policy originally. In Sep. 2022 I completed second audit. It came back that I owed $1907. I called to question the reasoning and was told due to not having exclusion form on file, myself and silent partner/husband ****** were set to default of earning $52,000 each from business even though we have our own insurance and he doesn't earn anything from the business at all. I filed dispute, it was denied. I filed complaint with MD's commisioner of ins. it was denied. I reached out to Farmers CEO and they denied. The agent *********************** stated she couldn't remember having this conversation with me since it was 2 years ago. I paid both the $800 in Sep 2021 and $1907 in Feb 2023. Since my complaints Farmers has changed their procedure on being more clear to their new customers around workers compensation exclusion forms to avoid confusion like me. I find this unfair business practices for a small business owner to have to pay $2700 for their poor ethics. I want a FULL REFUND of $2700 to make this right.

      Business Response

      Date: 02/14/2023

      To Whom It May **************** Thank you for notifying Farmers of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.

      As an insurer, our intention is to always provide excellent customer service and we regret this customer's expectations were not met. The ********************** previously addressed this consumers concerns on multiple occasions and while we understand they are dissatisfied with the outcome; our decision remains unchanged.

      We thank you for your time and attention to this issue, and we apologize for any inconvenience that we may have caused. If we can be of any further assistance, please contact us.
    • Initial Complaint

      Date:02/06/2023

      Type:Order Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I filed insurance with this company and they said a certain amount in which I have the print out and the go by Bristol insurance as well. But the 2nd month while in this contract they increase my payment by ********************************************************* I didn't provide all the documents in which I sent back and signed everything that was sent to me. I would like for them to refund me my money back due to that was a binding contract as well as them taking my money. If all the papers were not there at the beginning then why did they begin to take my money in the first place. Now I am having to find different insurance coverage because I cannot trust a company who would do such things just to try to get money out of someone by increasing rates for no reason at all.

      Business Response

      Date: 02/07/2023

      To Whom It May ******************** you for notifying Farmers Insurance of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry. 

      To protect the confidential consumer information, we do not disclose information about our review. We have been in contact with the customer to address their specific concerns in the complaint received. No additional action is required at this time. 

    • Initial Complaint

      Date:02/06/2023

      Type:Sales and Advertising Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I purchased Insurance through Farmers, effective 07/24/2022, because of the benefits offered as a TDS employee. On 1/27/2023 I called for a quote for a potential change to my policy but the automated system could not locate my policy. I thought that was odd since my premiums were automatically deducted from my payroll. Once I was able to reach an agent, I learned that my policy was set to expire on 1/24/2023 and I should have received enrollment paperwork in the mail ***** days prior to my policy expiration date. However, I was among a group of policy holders that had erroneously not been sent said paperwork. The agent ensured me that I was still covered and that she was notifying the back office to expedite reinstatement of my policy and that I should be receiving the paperwork by the following Tuesday (1/31/2023?). By Friday, 2/4/2023, I received my paystub and noticed my premium had not been deducted and I had yet to receive any thing from Farmers in the mail. You cannot contact anyone about your policy with this company on a weekend so I called today 2/6/2023. The agent I spoke with confirmed my policy had NOT been reinstated and I did not have coverage as of 1/24/2023. By their mistake, I had been driving for almost two weeks without auto insurance because I was misinformed and this is COMPLETELY unacceptable! The agent (who was not even a licensed insurance agent by her own admission) offered the same solution as the first agent I spoke with to escalate the issue to the back office and reinstate my policy as of the date of expiration. I declined because it had already not been done the first time. I was already not impressed with their ability to handle claims (I had filed a lost key claim) and some other inconveniences that I could have overlooked as I am generally pretty easy going. However, their error could have cost me so many issues and so much money if, heaven forbid, I had been in an accident or been pulled over.

      Business Response

      Date: 02/10/2023

      We have contacted the customer directly to address her concerns. Please close the file. Sincerely, ***************************, Farmers Insurance *********************** Team

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