Farmers Insurance Group

Farmers Insurance Group Overview 2026

Who Is Farmers Insurance Group?

Farmers Insurance Group is a major U.S. property-casualty and life insurer headquartered in Woodland Hills, California. Founded in 1928, the company provides personal and commercial insurance products distributed primarily through a large network of exclusive and independent agents. Farmers is part of the Zurich Insurance Group, which provides additional financial and operational support.

The company serves individual, family, and business customers across most of the United States with a combination of local agent service and digital tools for policy management and claims.

Main Lines of Business

Personal Insurance
Core personal-lines products include:

• Auto insurance (liability, collision, comprehensive, and related coverages; some markets offer rideshare endorsements)
• Homeowners and renters insurance
• Motorcycle and recreational vehicle coverage
• Life insurance (term and permanent options through Farmers or affiliated entities)

Business Insurance
Farmers offers commercial coverages aimed mainly at small and mid-sized businesses, including:

• General liability
• Commercial property
• Commercial auto
• Workers’ compensation (availability varies by state)
• Professional liability and other specialty coverages for selected industries

Financial and Related Products
Through affiliated operations, Farmers also makes available certain life insurance, annuity, and financial-planning products. Availability depends on state licensing and the specific product.

Company History in Brief

Farmers was founded in 1928 by John C. Tyler and Thomas E. Leavey with an initial focus on automobile insurance for farmers and rural drivers. Over subsequent decades the company expanded into homeowners, commercial, and life insurance. In later years it became part of Zurich Insurance Group, remaining a significant U.S. personal and commercial lines carrier with a nationwide agent network.

Exact current policy counts, premium volumes, and agent numbers fluctuate and should be verified from the company’s latest public reports or rating-agency filings.

Distribution and Service Model

Farmers relies heavily on local agents for sales, advice, and ongoing service. Many customers value the ability to work face-to-face with an agent while also using online and mobile tools for routine tasks such as payments, document access, and claim reporting. 24/7 claims reporting is typically available by phone and digital channels.

Common Advantages Cited by Customers

• Access to local agents for personalized guidance
• Ability to bundle multiple personal and commercial policies
• Broad product menu covering auto, home, life, and small-business needs
• Digital tools that complement the agent model

Practical Considerations

• Premiums and underwriting appetite vary by state, risk profile, and coverage selections; some customers report higher rates than pure digital competitors in certain markets.
• Claims experience can differ by location and claim complexity.
• Flood and earthquake coverages are generally not included in standard homeowners policies and must be arranged separately when needed.
• Financial strength ratings are assigned to the operating insurance companies; current ratings should be checked with A.M. Best or other rating agencies.

Customer Feedback Themes

Public reviews commonly note positive experiences with local agents and the convenience of multi-policy relationships. Some policyholders report higher premiums relative to certain competitors or occasional friction in claims communication. As with any large insurer, individual experiences vary.

Contact Information

• General customer service: 1-888-327-6335
• Claims: 1-800-435-7764
• Website: www.farmers.com
• Headquarters: 6301 Owensmouth Avenue, Woodland Hills, CA 91367

An agent locator is available on the Farmers website for those who prefer in-person assistance.

Summary

Farmers Insurance Group is a long-established U.S. insurer offering personal auto, home, life, and small-business coverages through a hybrid agent-and-digital model. Its scale, product breadth, and local-agent presence make it a frequent option for customers seeking multi-line relationships and personalized service. Prospective policyholders should obtain current quotes, review specific policy forms, and confirm financial-strength ratings for the relevant operating companies before purchasing.

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