Farmers Insurance has three different tiers of homeowners insurance, each higher tier increases both the coverage limits and provides more features. All three policy tiers offer features like claim forgiveness (where if you haven’t filed claims for a certain period of time your premiums won’t increase after filing a new claim), deductibles that decline the longer your policy with Farmers is active, and a discount if you’ve gone a certain period of time without filing a claim. The top-tier Premier policy includes Guaranteed Replacement Cost, though there are certain conditions for this policy.
Read more in our Farmers review.
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