Complaint Score
33.2 of 100
Normalized by premium volume across 38 states
NAIC MCAS 2024 Grade D 38 states
Farmers Property
Farmers Property: 2,987 justified complaints across 38 states (NAIC MCAS 2024). Reputation grade D.
Part of Zurich
NAIC Code: 21628
Reputation grade D (composite score 33.2) — A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.
Below average — elevated complaints
What This Grade Means for You
Farmers Property has an elevated complaint record compared to its peers. The complaint ratio — which adjusts for company size — is above average, suggesting that policyholders encounter more issues than at competing insurers. Consumers considering Farmers Property should review complaint details for their state and line of coverage before purchasing.
Farmers Property's composite score of 33.2 is derived from complaint ratios and operational data across 38 states.
Data note: This data reflects complaints filed with state insurance departments and regulatory filings.
A high complaint ratio does not necessarily indicate illegal behavior. Large insurers receive more complaints by volume;
complaint ratios normalize by premium size. Always verify coverage decisions with your insurer or a licensed agent.
This page is informational and does not constitute financial, legal, or insurance advice.
Farmers Property appears in PlainInsurer's regulatory database with 2,987 justified complaints on file across 38 states under NAIC code 21628, operating as part of Zurich. The company's composite score of 33.2 translates to a reputation grade of D — this score combines NAIC complaint ratios, available CMS claim denial data, and Medicare Advantage prior authorization metrics where applicable. Lower composite scores indicate fewer consumer problems relative to company size; higher scores indicate more.
Looking at business mix, Farmers Property reports activity in 1 line of business (Home Insurance). Its complaint score of 33.2 — normalized by premium volume — is what regulators and consumer-protection groups use to compare insurers fairly across different company sizes.
For consumers evaluating Farmers Property, the practical implication is this: complaint ratio and denial data give a comparative view of how this insurer treats policyholders relative to peers, but they cannot predict your individual claim experience. The current D grade signals above-average consumer friction at Farmers Property — review the state-by-state breakdown below and compare against peer insurers before committing to a policy. This page is not financial, legal, or insurance advice — verify all coverage terms with a licensed agent and consult your state's Department of Insurance for dispute or complaint procedures.
Total Complaints
2,987
38 states
Complaint Score 33.20 +3220% vs. avg
Composite Score
33.2
Higher = more complaints
Claim Denial Score
N/A of 100
Not yet available for this insurer
States Active
38 states
NAIC Code: 21628
Consumer Risk Level 33.2%
National median
Composite score of 33.2 — lower is better
Complaint Data by Line of Business
| Line | Complaints | Avg Complaint Ratio | States Active |
|---|---|---|---|
| Home Insurance | 2,987 | 1.67 +67% vs. avg
| 38 |
Top states by complaint volume
Top 5 states — Farmers Property consumer complaints
Source: NAIC Consumer Information Source (CIS) + CMS Medicare Advantage Star Ratings Insurer complaint counts and ratios for Farmers Property across all reported lines of business and states · 2023 NAIC CIS aggregates state-DOI consumer complaints; complaint ratios normalize against premium volume so absolute counts and ratios can diverge. Reputation grade derived from PlainInsurer methodology applied to NAIC data.
State Presence (38 states)
AL 79 complaints AK 79 complaints AZ 79 complaints AR 79 complaints CA 79 complaints CO 79 complaints CT 79 complaints DE 79 complaints FL 79 complaints GA 79 complaints HI 79 complaints ID 79 complaints IL 79 complaints IN 79 complaints IA 79 complaints KS 79 complaints KY 79 complaints LA 79 complaints ME 79 complaints MD 79 complaints MA 79 complaints MI 79 complaints MN 79 complaints MS 79 complaints MO 79 complaints MT 79 complaints NE 79 complaints NV 79 complaints NH 79 complaints NJ 79 complaints NM 79 complaints NY 79 complaints NC 79 complaints ND 79 complaints OH 79 complaints OK 79 complaints OR 79 complaints PA 79 complaints
Understanding Your Rights
If you have a dispute with Farmers Property or any insurer, you have the right to file a complaint with your state's insurance commissioner. State regulators investigate consumer complaints, mediate disputes, and can take enforcement action against companies that violate insurance laws.
The NAIC's complaint filing page provides direct links to every state insurance department. Complaints can typically be filed online and are tracked as part of the public record that informs the complaint ratios shown on this page.
The data presented here covers all lines of business — auto, home, health, and life insurance. Complaint ratios are normalized by premium volume so that larger companies are not penalized simply for writing more policies.
Frequently Asked Questions
What does Farmers Property's D grade mean?
Farmers Property received a grade of D, which means "Below average — elevated complaints." This grade is calculated from the company's NAIC complaint ratio (normalized by premium volume), CMS claim denial rates where available, and Medicare Advantage prior authorization data. Consumers may want to compare this insurer against higher-graded alternatives in their state.
How many complaints does Farmers Property have?
Farmers Property has 2,987 total complaints on record across 38 states, based on NAIC Market Conduct Annual Statement (MCAS) data. The raw complaint count alone does not tell the full story — larger insurers naturally receive more complaints. PlainInsurer uses complaint ratios (complaints per premium dollar) to compare companies fairly.
How do I file a complaint against Farmers Property?
To file a complaint against Farmers Property, contact your state's Department of Insurance. Every state has an insurance commissioner's office that accepts consumer complaints — you can typically file online, by phone, or by mail. The National Association of Insurance Commissioners (NAIC) also provides a central complaint portal at naic.org. Document your policy number, claim number, dates of communication, and the specific issue before filing. Your state regulator can investigate and mediate disputes between you and Farmers Property.
Is Farmers Property a good insurance company?
Whether Farmers Property is a good choice depends on your coverage needs, state, and budget. PlainInsurer gives Farmers Property a D grade based on complaint ratios and denial data. The below-average composite score suggests fewer consumer issues than typical insurers. Always compare quotes from multiple carriers and check complaint data for your specific state and line of coverage.
What types of insurance does Farmers Property offer?
Based on NAIC filing data, Farmers Property operates in 1 line of business: Home Insurance. Coverage availability varies by state — Farmers Property is licensed in 38 states. Check directly with Farmers Property or your state's Department of Insurance for specific policy options in your area.
How does Farmers Property compare to other insurers?
Farmers Property's complaint data can be compared against other insurers using PlainInsurer's complaint ratio rankings. With a D grade, Farmers Property ranks below the industry average for consumer complaints. To compare specific lines of coverage, visit the line-of-business rankings. For state-level comparisons, check the state pages where Farmers Property operates.
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Compare Farmers Property Against Another Insurer
See a side-by-side complaint ratio and denial rate comparison.
Data: NAIC MCAS 2024 industry scorecards · CMS Transparency in Coverage PUF PY2025 · CMS Medicare Advantage analysis (CMS OIG OEI-09-22-00380, KFF 2023).
Not affiliated with NAIC or CMS.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related to Farmers Property
Primary data: NAIC Market Conduct Annual Statement (MCAS) 2024. Medicare Advantage figures: CMS Office of Inspector General audit OEI-09-22-00380 and KFF 2023 Medicare Advantage analysis. Methodology and computation by PlainInsurer Editorial — see methodology.