Farmers Alliance 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 Farmers Alliance Insurance Company Score
3 Stars
We award Farmers Alliance Insurance Company a final rating of three out of five stars. The carrier has been around in the insurance industry for well over a century now and has a lot of experience behind it. Farmers Alliance is also highly rated by AM Best and the Better Business Bureau (BBB). But while Farmers Alliance is not BBB-accredited, it has nearly zero customer complaints filed against it through the organization, which is almost unheard of with its extensive history in the industry.
Founded in 1888, Farmers Alliance Mutual Insurance Company was first established in McPherson, Kansas. The insurance company was originally created to serve the needs of local farmers as a fire insurance company.
Today, Farmers Alliance offers several forms of personal and commercial coverage, such as homeowners insurance, personal auto, businessowners, and agri-range insurance. Farmers Alliance has grown to serve eight states, including Colorado, Kansas, Idaho, Nebraska, Montana, Oklahoma, and the Dakotas.
Customer reviews seem to be largely towards the positive side as well. Overall, we recommend looking into Farmers Alliance with your independent insurance agent if you're in an area where coverage is offered.
Farmers Alliance Pros and Cons:
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Farmers Alliance Insurance Products by Type
Here's an overview of the products offered by Farmers Alliance.
Farm & Ranch Insurance:
- Agri-range farmowners insurance
- Farm auto insurance
Business Insurance:
- Business owners policy insurance
- Commercial auto insurance
- Commercial umbrella insurance
- Bonds
Personal Insurance:
- Personal auto insurance
- Umbrella insurance
- Homeowners insurance
- Renters insurance
Farmers Alliance Agri-Range Farmowners Insurance
Farmers Alliance's farmowners insurance policies are sold under the name Agri-Range. The carrier offers protection for all the standard elements necessary in a farmowners policy, including for individuals whose primary residence is located on their farms.
Farmers Alliance also offers a wide variety of extra policy enhancement options for an additional fee, such as coverage for signs, glass cab breakage, unharvested grain, newly acquired livestock, and much more.
Coverage types, features, and benefits:
Residence and private structures
Farmers Alliance offers protection for your home and other private structures related to it, including driveways, sidewalks, fences, and permanently installed outdoor fixtures.
Personal property and farm personal property
Farmers Alliance covers your personal belongings or contents, including clothing, electronics, and more, against theft, damage, or destruction from listed perils. The carrier also provides coverage for farm personal property, including livestock, machinery, and equipment.
Additional living costs or loss of rent
Farmers Alliance covers the increased living costs and losses due to lost rent or fair rental value while your farm is uninhabitable due to a covered incident.
Additional structures
Farmers Alliance also covers barns, buildings, bins, and other additional structures, like fixtures, farm dwellings, silos, attached sheds, and more.
Farmers Alliance Farmowners Insurance Average Prices
Farmers Alliance does not make its average farmowners 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 farmowners insurance you need and also compare quotes from multiple carriers for you.
What Discounts Does Farmers Alliance Offer?
Here are just a few of the discounts Farmers Alliance offers on its homeowners insurance.
- New home: Offered to customers who purchase a brand-new construction home.
- Protective device: Offered to customers whose homes are equipped with security systems.
- Renewal: Offered to customers who choose to renew their coverage through Farmers Alliance.
- Multi-policy: Offered to customers who purchase multiple policies through Farmers Alliance, such as homeowners and personal auto insurance.
- Hail-resistant roof: Offered to customers who upgrade their roofs to withstand hail damage.
- Non-smoker: Offered to customers who do not smoke in their homes to reduce the risk of fire damage.
- No wood-burning fireplace or supplemental heating device: Offered to customers who do not use wood-burning fireplaces or other heating devices that could cause fires.
- Empty nest: Offered to customers whose children no longer live at home.
An independent insurance agent can help you find out more information about the discounts offered by Farmers Alliance. When it comes to insurance, independent insurance agents help you get the best value for your money.
Farmers Alliance Customer Service
Here's an overview of Farmers Alliance's customer service options and availability.
- Phone
- Fax
- Snail mail
- The customer service phone department hours are not specified
| Days | Hours | ||
| Not Specified | Not Specified |
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.
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Farmers Alliance Insurance FAQs
Farmers Alliance does not provide a specific claims response time frame.
Farmers Alliance does not specify its customer service phone department's hours of operation. The carrier encourages customers to file claims through its independent insurance agents.
Farmers Alliance does not provide much information about its claims process. However, an independent insurance agent can file claims for you, as well as keep you updated through every step of the process.
Farmers Alliance does not have as good a user-friendly experience as many other modern carriers. There is no 24/7 or online claims reporting option, and the carrier has fewer active social media accounts than many comparable insurance companies.
Farmers Alliance provides several important coverages, including personal auto insurance. The carrier offers the following coverages under its personal auto policies:
- Collision coverage
- Other than collision coverage
- Bodily injury liability
- Property damage liability
- No-fault coverage
- Medical payments coverage
- Uninsured/underinsured motorist coverage
- Towing and labor coverage (optional)
An independent insurance agent can help you find more information about Farmers Alliance's personal auto coverage, as well as its other products offered.
Farmers Alliance is a long-standing insurance company and has high ratings through both AM Best and the BBB. While the carrier is not BBB-accredited, it has almost no complaints filed against it through the organization, which is very impressive. Further, customer reviews seem to be mostly positive. Overall, Farmers Alliance can arguably be considered a good insurance company.
Farmers Alliance's insurance products may be right for individuals or professionals seeking various types of personal or commercial coverage, including farmowners insurance, home insurance, car insurance, or businessowners insurance. However, coverage is only available in eight states currently, including Colorado, Idaho, Kansas, Montana, Nebraska, North Dakota, Oklahoma, and South Dakota.
https://www.fami.com/
https://news.ambest.com/newscontent.aspx?refnum=222324&altsrc=23
https://www.bbb.org/us/ks/mcpherson/profile/insurance-companies/farmers-alliance-mutual-insurance-company-0714-9752