Farmers Insurance wildfire insurance review
Major national carrier that is re-opening its California appetite.
Founded
1928
Headquarters
Los Angeles, California
Financial strength
A (Excellent)
Channel
National admitted carrier
A large national homeowners carrier that is cautiously re-expanding in California.
FireRisk.ai rating
Our editorial scores for a wildfire-exposed home — appetite weighted heaviest. Not a financial rating; not carrier-supplied. See how all carriers rank →
Wildfire appetite & overview
Farmers capped the number of new policies it would write in California during the crisis and tightened WUI underwriting, but has since signaled it is “eyeing California favorably.” In late 2024 it reopened condo, renters and umbrella lines and raised its cap on new homeowners policies to 9,500 per month (from 7,000). Its specialty arm Foremost writes some non-standard and dwelling-fire risks. Appetite still varies sharply by ZIP.
Strengths
- +Large national footprint
- +A (Excellent) financial strength
- +Re-expanding California capacity (9,500 new home policies/month)
- +Foremost arm for non-standard / dwelling fire
- +Bundle discounts
Watch-outs
- –Earlier capped new California business during the crisis
- –Tighter WUI underwriting remains
- –Appetite varies by ZIP
- –Not a sure thing in the hardest hazard areas
What it costs
Farmers’ pricing tracks the broader hardening market; the meaningful change has been expanded capacity rather than a single headline rate move.
How to improve your odds of being written
- 1Be in a moderate-risk ZIP
- 2Ask about Foremost for non-standard or dwelling-fire situations
- 3Bundle to improve pricing and acceptance
Recent developments
What’s changed lately — dated so you can judge how current it is.
Reopened California condo, renters and personal-umbrella lines and raised its new-homeowners cap to 9,500 policies/month (from 7,000), signaling a more favorable California stance.
Best for
Homeowners in moderate-risk areas; existing Farmers bundlers.
How to get a quote
Through Farmers agents nationally; Foremost via independent agents for non-standard risks.
Bottom line
Reasonable in moderate-risk areas and increasingly worth a quote as it re-expands, but still not a guaranteed answer for the hardest California WUI ZIPs.
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Farmers Insurance wildfire insurance FAQ
Does Farmers Insurance cover homes in high fire-risk areas?
Farmers capped the number of new policies it would write in California during the crisis and tightened WUI underwriting, but has since signaled it is “eyeing California favorably.” In late 2024 it reopened condo, renters and umbrella lines and raised its cap on new homeowners policies to 9,500 per month (from 7,000). Its specialty arm Foremost writes some non-standard and dwelling-fire risks. Appetite still varies sharply by ZIP.
Is Farmers Insurance financially strong enough to pay a wildfire claim?
Farmers Insurance carries an AM Best financial-strength rating of A (Excellent), indicating its assessed ability to meet ongoing insurance obligations. Ratings can change, so confirm the current rating before buying.
Who is Farmers Insurance best for?
Homeowners in moderate-risk areas; existing Farmers bundlers. Reasonable in moderate-risk areas and increasingly worth a quote as it re-expands, but still not a guaranteed answer for the hardest California WUI ZIPs.
Disclosure: This is an independent, research-based editorial review. FireRisk.ai is not affiliated with, endorsed by, or acting on behalf of Farmers Insurance. The company name and any AM Best rating are used for identification and comparison only. This is not insurance or financial advice, and we are not a licensed insurance agency. Availability, appetite, ratings, and pricing change and vary by ZIP and home — verify everything directly with the carrier before purchasing. We may be compensated when you request quotes through a partner.