Farm Family Insurance Review & Complaints: Auto, Home & Life Insurance (2023)

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Farm Family Insurance is a regional insurer in the Northeast and Atlantic states offering a range of property and casualty insurance. They offer coverage for both personal and business interests.

What is Farm Family?

Headquartered in Glenmont, NY, Farm Family has been in operation since 1950. Their focus is mostly on rural and suburban customers, offering products that meet the needs of farmers and the people in these particular communities, such as agribusiness, country estate, and equine insurance coverage.

Farm Family is a subsidiary of American National Insurance Company, which acquired the business in 2001. They operate in the Northeast and Great Atlantic region of the United States, selling their products through local agents.  While American National has been around for well over a century, it still values modern tools.

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What products do Farm Family offer?

Farm Family offers a good range of insurance options, including the big three in personal insurance – auto, home, and life insurance – and a variety of business and specialty policies. The website offers only a basic overview of the policies available and directs customers to contact an agent for details.

Auto Insurance

The company offers comprehensive auto insurance with all the legal requirements covered as well as the most common options for add-on coverage. Options include full coverage (comprehensive coverage and collision coverage), towing and labor, and rental reimbursement coverage.

Home Insurance

The Farm Family Home Safe and Sound is the standard homeowner’s insurance policy that covers the structure, outbuildings, personal property, and liability. It is also available in three levels of the Signature Series. These levels are Silver, Gold, and Platinum, each offering an increased level of homeowners coverage. Package policies can be personalized with endorsements for things like identity theft, increased limits on valuable items, and more.

The insurer also offers insurance options specifically designed for the needs of renters and for condo owners, with more emphasis on personal property and liability.

Life Insurance

Farm Family offers several types of life insurance.

Their Signature term life insurance policy has term lengths ranging from 10 to 30 years. Policies are renewable and convertible. They also offer an Annual Renewable Term policy that can be renewed every year as needed.

They also have a selection of whole life insurance with various payment terms. The Paid Up at 65 or Paid Up at 95 plans offer permanent coverage with different premium amounts that determine when the policy is paid in full. Both also have cash accumulation accounts. There is also a Paid Up at 100 plan option. Finally, there is a single premium whole life plan in which a one-time premium payment is made, and the policy is then considered paid up.

Farm Family also has a range of annuity options to create a steady income for retirement. The options are Single Premium Deferred, Single Premium Immediate, and Flexible Premium Deferred.

Business Insurance

Farm Family writes coverage for a number of different business needs. Options include:

• Business owners package policies
• Commercial Auto
• Agribusiness for agricultural businesses
• Contractor’s coverage
• Worker’s Compensation
• Equine Industry coverage
• Green Industry coverage

Specialty Coverage

Among the specialty policies offered by Farm Family are Country Estate insurance, which is a specific type of homeowner’s coverage designed for larger properties, collector car insurance, and recreational vehicles including boats, motorcycles, and RVs.

Are the rates competitive?

The company offers online quoting for standard and classic car coverage. The quoting system requires a great deal of personal information, which may put some insurance customers off from using it.

Because Farm Family does not offer coverage in our sample rate zip codes, we are unable to provide a rate comparison to other companies. However, as an agent-based insurer in a small regional area, we would not expect them to compete on premiums alone. Companies like Farm Family tend to rely on the promise of excellent, personal service and peace of mind to add value to insurance premiums that are often a bit higher than the national direct competitors.

Married couples sharing an auto insurance policy are considered stable insurance customers and are rewarded with lower premiums.

Farm Family Insurance Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Farm Family Insurance provides a convenient and straightforward process for filing insurance claims. While they do not offer online claims reporting, they do have a 24-hour claims filing line that can be utilized for most types of policies. This allows customers to report incidents or damages promptly, ensuring a smooth claims process.

Average Claim Processing Time

The company does not provide specific information about their average claim processing time on their website. However, they do emphasize their commitment to fast and fair settling of claims. For more precise details on claim processing times, customers are encouraged to contact Farm Family Insurance directly or consult with their local agents.

Customer Feedback on Claim Resolutions and Payouts

Farm Family Insurance enjoys a positive reputation when it comes to customer feedback on claim resolutions and payouts. While there is limited online customer feedback available, the company has an A+ rating with only one complaint on file with the Better Business Bureau (BBB) in the past three years.

This suggests that their customers have generally been satisfied with their claim resolutions and payouts.

Digital and Technological Features of Farm Family Insurance

Mobile App Features and Functionality

Farm Family Insurance offers a mobile app that provides customers with convenient access to their insurance information. The app likely includes features such as policy management, claims reporting, and the ability to view and pay bills on the go. Customers can download the app to their mobile devices to take advantage of these digital features and enhance their overall insurance experience.

Online Account Management Capabilities

In addition to their mobile app, Farm Family Insurance offers online account management capabilities through their website. This allows policyholders to access their accounts, review policy details, make changes to their coverage, and perform other account-related tasks from the comfort of their own homes. The online platform provides a user-friendly interface for efficient account management.

Digital Tools and Resources

Farm Family Insurance provides a range of digital tools and resources on their website to assist customers in making informed insurance decisions. These tools may include online quoting tools for various insurance products, educational resources, and frequently asked questions sections.

By leveraging these digital resources, customers can gather the information they need to make confident insurance choices.

Are the company’s ratings and consumer reviews positive?

The Better Business Bureau (BBB) lists this company as United Farm Family Insurance, which causes some confusion in an effort to find their file. There are several other pages under the name Farm Family, but this record matches the mailing address on the “Contact Us” page of the Farm Family website. The company has an A+ rating with only one complaint on file in the past three years. Other Farm Family pages may have complaints, but appear to be related to agencies rather than the insurance company directly.

Farm Family does not appear on any of the major review sites, which is not uncommon for a smaller, regional insurance company. Overall, we did not find anything that would raise a red flag over the company’s reputation.

If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

What’s the Bottom Line?

Farm Family is the kind of local company that will interest those who prefer a personal touch to their insurance. They are unlikely to compete dollar for dollar on rates but offer a promise of better customer service and individual attention. They cover most common insurance needs, making their agents a one-stop shop for personal and even business coverage for you to decide from and a peace of mind knowing they will be there when you need them.   For those in their service area, they are well worth a closer look.

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