Farmers of Salem 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.
Trusted Choice's Farmers of Salem Insurance Score
4 Stars
We award Farmers of Salem a final rating of 4 out of 5 stars. To begin with, Farmers of Salem has been in the insurance industry for more than a century and a half, which is certainly impressive. The carrier provides several coverage solutions for individuals and business owners, including homeowners insurance, commercial auto insurance, renters insurance, and more.
Farmers of Salem has excellent ratings through AM Best and the Better Business Bureau (BBB) and has demonstrated solid financial strength over the years. The insurance company also does not have any outstanding complaints filed against it through the BBB.
Farmers of Salem was founded in 1851 and is headquartered in Salem, NJ. Today, Farmers of Salem offers its coverage in New Jersey, Pennsylvania, Delaware, and Maryland. The company works exclusively with independent insurance agents, which provide a more personalized and complete experience for customers throughout the life of their policies.
Farmers of Salem provides online claims reporting and bill pay. There are also many glowing reports of excellent customer service experiences with the insurance company by its policyholders. Overall, we say that if you’re located in an area where coverage is available, go ahead and look into Farmers of Salem with your independent insurance agent to be your next trusted carrier.
Farmers of Salem Pros and Cons:
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Farmers of Salem Insurance Products by Type
Farmers of Salem offers a variety of coverage solutions for individuals and business owners. Its products include:
Home & Property Insurance:
- Homeowners insurance
- Landlord insurance
- Condo unit owners insurance
- Renters/tenant insurance
Business Insurance:
- Habitational insurance
- Business owners insurance
- Special contractors insurance
- Commercial package insurance
- Commercial auto insurance
Farmers of Salem Homeowners Insurance
Farmers of Salem offers complete homeowners insurance policies that include coverage for the dwelling, contents, liability, additional structures, and loss of use. The carrier also offers coverage for equipment breakdowns and home service lines. Customers have the option to add personal umbrella coverage to extend their liability protection to $1 million or more. Some additional coverage enhancements are outlined below.
Coverage types, features, and benefits:
Open perils
Farmers of Salem's optional Advantage PLUS Homeowners Program includes "open perils," or "all-risk" coverage for personal property. This means the home's contents are protected against all perils except for those specifically excluded by the policy.
Dwelling extended replacement cost
Farmers of Salem's Advantage PLUS Homeowners Program includes extended replacement cost coverage for the dwelling, which means it can pay to repair or rebuild the home's structure completely, even if the amount surpasses the policy limits after a covered total loss.
Contents replacement cost
Farmers of Salem's Advantage PLUS Homeowners Program includes either replacement cost coverage for scheduled personal property or for personal property covered on a blanket basis.
Farmers of Salem Homeowners Insurance Average Prices
Farmers of Salem does not readily provide information about its average home insurance premium rates. An independent insurance agent can help you get a quote for coverage from the carrier. You can also get an estimate of how much homeowners insurance might cost you by using our home insurance calculator.
What Discounts Does Farmers of Salem Offer?
Farmers of Salem provides information about one specific discount.
- Auto package discount: Offered to customers who purchase homeowners insurance through Farmers of Salem and have an existing auto insurance policy with the same agent.
An independent insurance agent can help you find more information about further discounts and additional ways to save with Farmers of Salem, as well as provide you with quotes and help answer any other questions you may have.
Farmers of Salem Customer Service
Farmers of Salem allows its customers to file claims online at any time. The carrier also provides the following customer service options:
- Phone
- Fax
- Snail mail
- Online claims reporting
- Online bill pay
The customer service phone department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8 a.m.-4 p.m. | ||
| Saturday-Sunday | CLOSED |
The best way to handle your customer service needs is to work with an independent insurance agent. These agents help make customer service easier for you by handling claims and other concerns.
Connect with a Farmers of Salem Agent Today.
Shopping for insurance? Farmers of Salem has you covered.
Farmers of Salem Insurance FAQs
Farmers of Salem allows customers to file claims at any time through the website. However, the official website does not make a specific claims response time frame promise.
Farmers of Salem’s phone line for customer service issues is available at standard hours, Monday through Friday. The insurance company allows customers to file claims online, over the phone, through snail mail, or via fax. The carrier also has a social media presence on Facebook, Instagram, and LinkedIn, which makes it even more accessible to customers.
Farmers of Salem allows customers to file claims through a couple of different mediums. The official website, however, does not detail the carrier’s specific claims process. If customers have questions about the claims process or need help filing a claim, they can contact their independent insurance agent, or call the carrier directly.
Farmers of Salem’s website is easy to navigate. Pertinent information is simple to locate, and for the most part, pages are detailed enough to be satisfactory. The carrier could benefit from adding more information about its claims process, though.
The insurance company offers online claims reporting and bill pay for its customers. Farmers of Salem also has a presence on social media, overall making for a fairly user-friendly experience.
Farmers of Salem provides a good selection of coverage for individuals and businesses, including homeowners insurance. Beyond the typical liability and property damage coverage provided by most similar policies, Farmers of Salem offers the following additional options under its homeowners insurance:
- Personal umbrella coverage
- Equipment breakdown coverage
- Service line coverage
- Extended replacement cost coverage
Your independent insurance agent can help you find even more information about Farmers of Salem’s homeowners insurance, as well as its many other coverages.
Farmers of Salem has been around for more than 160 years. The insurance company has received high ratings through AM Best and the BBB. Further, Farmers of Salem provides a sizable catalog of coverage options for individual property owners and business owners. Overall, Farmers of Salem can indeed be considered a good insurance company.
Farmers of Salem's insurance products may be right for homeowners, landlords, condo owners, or renters. The carrier's products may also be a good fit for business owners and other professionals in need of business owners coverage, commercial auto coverage, and more.
https://www.farmersofsalem.com/
https://www.bbb.org/us/nj/salem/profile/insurance-companies/farmers-mutual-fire-insurance-company-of-salem-county-0221-80008450
https://ratings.ambest.com/CompanyProfile.aspx?ambnum=3376&AltNum=5613376