Farm Family Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Farm Family Insurance Company Score
1 Star
We award Farm Family a final rating of one out of five stars. The carrier is now part of American National, which has an excellent rating by AM Best but a failing rating and no accreditation by the Better Business Bureau. Many customer complaints have also been filed against American National in recent years.
Farm Family Insurance Company was founded in 1954, giving the carrier several decades of experience in the insurance industry. In 2001, Farm Family Holdings, Inc. merged with American National, and now recognizes itself as a unified brand with the latter carrier.
Unfortunately, since Farm Family now shares a website with American National, it's difficult to find much information about the former carrier. The only coverage explicitly stated to be underwritten by Farm Family is business insurance in the state of New York.
Overall, we recommend working together with an independent insurance agent to survey your other options for a trusted carrier. You might want to skip looking into Farm Family and American National.
Farm Family Pros and Cons:
| Pros: | Cons: | ||||
|---|---|---|---|---|---|
|
|
||||
|
|
||||
|
|||||
|
|||||
|
|||||
|
To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Farm Family Insurance Products by Type
Farm Family shares a website with the carrier that acquired it, American National. Here's a list of the products sold by American National, some of which may be underwritten by Farm Family.
Home & Property Insurance:
- Homeowners insurance
- Renters insurance
Vehicle & Auto Insurance:
- Car insurance
- Collector car insurance
- RV insurance
Life & Health Insurance:
Other Insurance:
- Business insurance
Farm Family Business Insurance
The only coverage underwritten by Farm Family that's stated explicitly on American National's website is business insurance in the state of New York. American National's website states that all the typical types of business insurance are available, including commercial property, commercial auto, workers' comp, business income, and commercial liability coverage.
There are also a few additional coverage enhancement options to add to a commercial policy, including the following.
Coverage types, features, and benefits:
Cyber
Cyber coverage can reimburse the policyholder for the cost to fix damaged data and computer systems following a cyberattack or data breach.
Commercial umbrella
Commercial umbrella insurance can extend your business's liability coverage in the event of a serious lawsuit.
Employer stop loss
Employer stop loss insurance can protect your business against significant financial losses due to expensive and catastrophic healthcare claims from your employees.
Farm Family Business Insurance Average Prices
Farm Family does not make its average business insurance rates readily available online without requesting a quote. However, an independent insurance agent can help you find specific quotes for the exact amount of business insurance you need and also compare quotes from multiple carriers for you. You can get a better idea of how much a commercial insurance policy might cost you by using our business insurance calculator.
What Discounts Does Farm Family Offer?
Farm Family does not make information about its specific discounts readily available. However, an independent insurance agent can help find these details for you. Independent insurance agents work hard to find you the most affordable coverage that includes all the protection you need.
Farm Family Customer Service
Here's an overview of American National's customer service options and availability, which may also apply to Farm Family.
- Phone
- Fax
- Snail
- Online claims reporting
- 24/7 phone claims reporting
The customer service phone department has the following hour restrictions:
| Day(s) | Hours (CST) | ||
| Monday-Friday | 7:30 a.m.-6:30 p.m. | ||
| Saturday | 7 a.m.-7 p.m. | ||
| Sunday | 9 a.m.-7 p.m. |
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
Find The Right Company Today.
Shopping for a company? We have the right one for you.
Farm Family Insurance FAQs
Farm Family does not state a specific claims response time frame.
Farm Family shares a website with American National, and the parent carrier states that it is available during extended hours daily by phone. Customers can also contact the insurance company via fax, email, or snail mail. American National allows 24/7 claims reporting by phone or online.
Farm Family does not provide much information about their claims process beyond how to file. However, an independent insurance agent can simplify this process for you by filing claims for you. Independent insurance agents can also keep you updated through every step of the claims process.
Farm Family's parent company, American National, provides generous contact options for its customers. However, it's difficult to find much information about Farm Family, specifically. While American National provides a great user-friendly experience, Farm Family does not.
Farm Family underwrites business insurance in New York. The carrier's business insurance comes with commercial auto, commercial property, workers' comp, and commercial liability coverage. Loss of income, commercial umbrella, and employer stop loss insurance are also available.
An independent insurance agent can help you find more information about Farm Family's business insurance products.
Farm Family is a part of American National, which is a company highly rated by AM Best. However, American National has a poor "F" rating by the BBB and many customer complaints filed against it. It's also difficult to find much information about Farm Family specifically, due to the carrier now sharing a website with American National. Overall, we're unable to call Farm Family a good insurance company at this time.
Farm Family's insurance products may be right for professionals and commercial customers located in the state of New York. American National's website only specifically states that Farm Family underwrites business policies in New York.
https://www.americannational.com/home/about-us
https://news.ambest.com/PR/PressContent.aspx?altsrc=3&RefNum=34892&URatingId=-1
https://www.bbb.org/us/tx/galveston/profile/insurance-companies/american-national-insurance-company-0915-62463