Farmers Union Insurance Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
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.
Farmers Union Insurance Final Score
3 Stars
Farmers Union Insurance was founded in 1945, giving the insurance company more than 75 years of experience within the industry. The carrier's original mission was to serve the coverage needs of rural America. The company is headquartered near Denver, CO.
Today, Farmers Union offers coverage in nine Midwestern states, including North Dakota, Colorado, Montana, Minnesota, Kansas, Wyoming, Nebraska, and Utah. Farmers Union Insurance has an exclusive relationship with the National Farmers Union, providing access to members through roughly 400 agencies.
Coverage options include farm insurance as well as home insurance, auto insurance, and telecommunications insurance. Farmers Union was acquired by National General Holdings Corp. in 2019. The carrier offers its products through 23,000 independent insurance agents in its service area.
Thanks to its rich history and products offered, Farmers Union has become known as a stable and reliable insurance company over the years. AM Best gives National General Holdings Corp. insurance company an overall “A-” (Excellent) rating, indicating the carrier is a superior choice for insurance customers.
The company also receives an "A+" rating from the Better Business Bureau (BBB).
We award Farmers Union Insurance a final rating of three out of five stars. The carrier has more than 75 years of experience in the industry today and is highly rated by AM Best and the BBB. They also offer both individual and commercial coverage.
Farmers Union only offers its coverage in nine states. We do like that the company offers 24/7 phone claims reporting. Unfortunately, we can't speak to customer satisfaction as online reviews are hard to come by. We can assume that a lack of complaints with the BBB indicates that the company has a lot of satisfied customers, but we can't say this with certainty.
Overall, we recommend looking into Farmers Union Insurance along with other options with the help of an independent insurance agent.
Farmers Union Insurance 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.
Farmers Union Insurance Products
Here's an overview of the products offered by Farmers Union.
- Homeowners insurance
- Condo insurance
- Renters insurance
- Auto insurance
- Umbrella insurance
- Telecommunications insurance
- Farm insurance
Your independent insurance agent can help you find more information about the policies offered by Farmers Union and help you decide if this insurance company is right for you.
Find The Right Company Today.
Shopping for a company? We have the right one for you.
What Discounts Does Farmers Union Offer?
The carrier's public website lists the following available discounts:
Auto Insurance Discounts
- Paid in full discount: Save when you pay your entire term premium in one payment
- Safe driver discount: For accident-free driving
- Teen driver discount: Special program tailored just for new drivers
- Accident forgiveness discount: One accident is waived after four years
- Multi-car and fleet discount: Available to clients who insure two or more vehicles, or five or more for fleets
- Package discount: Multi-policy discount for insuring home, car, or farm with the carrier
- Good student discount: Available to unmarried drivers under age 25 who are full-time students
Homeowners Insurance Discounts
- Client longevity discount: Offered to insureds who have either been insured with Farmers Union Insurance for three or more years, or come to Farmers Union Insurance having been continuously insured with their prior company for three years or longer
- Updated home discount: Offered to insureds who have made full updates to their home's structure and systems to keep wear and tear-related risks at a minimum
- Package discount: Get a multi-policy discount when you also insure your auto or farm with Farmers Union Insurance
- Claim free discount: Receive a discount on your policy for maintaining a clear claim history
For more information about discounts and other ways to save on your insurance coverage, work with an independent insurance agent. Independent insurance agents work hard to get you the most affordable coverage that satisfies your needs.
Farmers Union Customer Service
Here's an overview of Farmers Union's customer service availability and contact options.
- Phone contact option
- Fax contact option
- 24/7 phone claims department
- Snail mail contact option
- Online chat available
- Main customer service phone department hours not specified
To ensure a great customer service experience, work with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you.
Farmers Union FAQs
Farmers Union strives to contact customers ASAP, within 24 hours of reporting a claim.
Farmers Union allows customers to contact them through phone, fax, snail mail, or the live chat option, but does not provide specific phone department hours. The claims department is available 24/7 via phone.
Farmers Union's public website breaks down its claims process as follows:
- Investigation of the facts. A claims representative is required to contact you within 24 hours of your claim. From there, he or she will gather the facts of the loss from everyone involved in the claim, then review your policy to confirm applicable coverages and limits.
- Determination of damage. Experienced claims representatives will assess your home, rental, or auto to determine the amount of repairs needed and, when applicable, the value of your totaled vehicle.
- Resolve and complete your claim. The company will wrap up your claim by working with you or your agent directly to complete all applicable paperwork needed to document your loss.
Farmers Union's public website is well laid out and has lots of detail. However, the carrier does not seem to have much of a social media presence, which causes them to fall behind many modern carriers in terms of user-friendliness.
Farmers Union's public website lists the following available farm insurance coverage:
- Buildings and structures (house, barns, sheds, silos, etc.)
- Machinery
- Livestock
- Fire
- Liability
- Equipment breakdown
- Farm advantage endorsements
- Livestock theft
- Increased haystack limit
- Rented or borrowed irrigation equipment
- Sign coverage
- Cargo coverage
- Lock replacement
- Incidental extras
- Refrigerated products
- Farm/ranch operations records
- Buildings under construction
- Debris removal
- Pollutant cleanup and removal
- Identity theft recovery expense
An independent insurance agent can help you determine if Farmers Union's farm insurance or any other products offered by the carrierr are the right choice for you.
Farmers Union is highly rated by AM Best and the BBB and has several decades of experience. The carrier offers both personal and business coverage. However, it's difficult to find customer feedback about the carrier.
https://www.farmersunioninsurance.com