Billing & Payments FAQ

Answers to the home insurance questions we hear most. 

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General Billing  

1

Which policies can I pay online?

Here are the policy types you can pay online with or without a Farmers.com account:

  • Personal Auto, Home, Umbrella
  • Specialty
  • California Earthquake Authority (CEA)
  • Business Insurance
2

How can I pay my bill?

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  • Online without Farmers.com account. You can make a payment without a Farmers.com account. Make sure you have this information ready:

  • By phone – You can call your Farmers® agent during normal business hours, or the Farmers self-service line at the numbers listed below.

  • By mail - Make sure to write your account number on your personal check or money order:

P.O. Box 0991

Carol Stream, IL 60132-0991

OR

Your Farmers agent’s office

  • For California Earthquake Authority policies – Make sure to write your policy number on your personal check or money order:
Farmers Insurance Exchange
PO BOX 60171
City of Industry, CA 91716-0171.
 
 
3

What payment methods can I use?

  • Checking, savings, or Business checking account online or via check by mail
  • Debit/Credit:

    • Visa
    • Mastercard
    • American Express
    • Discover
This may vary by state and product
4

Why can’t I pay my bill online?

Some policy types or providers do not offer online payments. For these, you can contact your Farmers® agent or call us at 1-888-327-6335.

For example:

  • Flood policy
  • Pet Insurance
5

After I make a payment, when is it processed?

Processing begins the day you make a payment, but it may take a few days to post depending on the payment method. Funds are typically withdrawn from a bank account within one to three business days.

Payments made after 7:00 pm central time should post the next business day.

Charges to your credit card are usually completed on your payment date.

6

How will I know when I have new bills to pay?

  • Paperless Billing - you will receive email notifications when your electronic bills are ready
  • Paper Statements – they are mailed at least 20 days before your due date
7

I made a payment through my Farmers agent’s office. Why does my online account show an amount due?

It can take up to three business days for your account to reflect a payment made in your Farmers agent's office. If it has taken longer than three business days, please contact your Farmers® agent or call us at 1-888-327-6335.

8

What is Paperless Billing, and how do I start or stop?

Receive links to bills and billing reminders in your email inbox. Follow the steps below to start or stop Paperless Billing through your Farmers.com account:

  1. Log in to your Farmers.com account
  2. Click ‘Go Paperless” in the Quick Links
  3. Choose desired paperless options
  4. Review the terms and conditions
  5. Click “Save”
Your preferred preferences will start on your next billing cycle.
9

Why does my payment due amount change?

There are several reasons your minimum amount due may change: 

  • A change to your policy — like adding a driver or vehicle, moving, or adjusting your coverage — may cause a change in your premium
  • Some states require state-imposed fees, taxes, or surcharges that are collected upfront
  • You may have recently started a new policy that didn’t require a down payment
  • You made a change after the last installment of an expiring policy
  • Your due date changed midterm, and the number of installments were reduced into a shortened billing cycle to prevent overlapping payments
  • One of the policies on your multi-policy billing account is about to renew
  • Your account is past due
10

What payment plans are available?

Farmers offers several payment plans:

  • 1-Pay: Pay your premium in full at the beginning of each policy term.
  • 2-Pay: Pay your premium in two installments per term.
  • Monthly: Pay your premium in six or twelve installments, depending on your term length.

Changes can impact each pay plan differently. See your agent to confirm availability of any payment plan for your policy type and state.

11

Where can I find my bank’s routing transit number and my account number?

Please contact your bank with any questions about your routing or account numbers.

Look at the bottom of your check. For personal accounts, most banks print the nine-digit routing transit number on the left and your checking account number on the right.

12

Who can see my bills or pay my bills online?

Only someone who is a named insured on your Farmers policy is able to view your online statements. If you believe you should have access to additional policies, please contact your Farmers® agent or our service line at 1-888-327-6335 between 7:00am to 11:00pm (Central Time) from Monday to Friday, or between 8:00am and 8:00pm (Central Time) on Saturday and Sunday.

13

How do I enroll in Automatic Payments?

  1. Log in to your Farmers.com account
  2. Click ‘Set up Autopay’ for the account 
  3. Select or add a payment method
  4. Review the terms and conditions
  5. Click “Set up Autopay” 
The amount due for each payment will be drafted automatically on each statement’s due date.
14

How do I stop an individual Automatic Payment?

  1. Log in to your Farmers.com account 
  2. Click “Manage Autopay” for the account
  3. Click “Stop next payment”*


Please Note:

You may only stop an automatic payment generally at least one business day prior to the payment date.

* When cancelling an automatic payment an alternate payment may be needed to keep the account current.

15

How do I schedule a payment for a future date?

  1. Log in to your Farmers.com account
  2. Click ‘Pay bill” for the account 
  3. Select the date you want your payment processed
16

How do I cancel a scheduled payment?

  1. Log in to your Farmers.com account
  2. Click “Payments”
  3. Click “Payment History” from the sub-menu
  4. Select billing account for the scheduled payment you wish to cancel
  5. Click “Cancel Payment”
  6. Click “Yes” to complete cancellation* 


Please Note:

You may only cancel a payment while it's still in Scheduled status — generally at least one business day prior to the payment date.

* When cancelling a scheduled payment an alternate payment may be needed to keep the account current.

17

How do I view my payment history?

  1. Log in to your Farmers.com account
  2. Click “Payments”
  3. Select “Payment History” from the sub-menu
18

How do I add a payment method?

  1. Log in to your Farmers.com account
  2. Click “Payments”
  3. Click “Payment Methods” from the sub-menu
  4. Click ‘Add payment method”
  5. Enter required account information
  6. Review the terms and conditions
  7. Click  “Add”
19

How do I view my most recent billing statement?

  1. Log in to your Farmers.com account
  2. Click ‘View bill” on the account you wish to view.*

* Clicking ‘View bill” will open a separate window with the statement or notice. You can save your statement by printing or downloading.

20

Why did I receive a bill for a property that should have been escrowed?

You might have been billed for property insurance that should be escrowed because:

  • The mortgagee or loan information on file is incorrect. Please contact your Farmers agent to update your account.
  • After a refinance, the mortgagee or loan information needs to be updated. Please contact your Farmers agent to update your account.
  • Your mortgage company has been billed, but payment has not been received. Please contact your mortgage company.
21

What if I need additional assistance with making a One-time Payment? For example, if I get an error message, an incorrect amount was entered, incorrect payment method used, etc.

If you require assistance, please contact your Farmers® agent or call us at 1-888-327-6335

22

Is there a fee to make a payment online?

There is no additional fee to make an online payment.

23

How long does it take for my payment to post to my Billing Account?

Payments made after 7:00 pm central time should post the next business day.