Get a whole lot of something with Policy PerksSM*
A rewarding insurance experience.
When you purchase a Farmers Smart Plan Home or Farmers Smart Plan Auto policy, you're not just getting insurance backed by almost a century of experience. Now, you can unlock discounts, save money, and get benefits — with Farmers Policy Perks.
Choose from a variety of perks. Some start the moment you sign up for a policy; others help you save money the longer you're with us. Safe driver perks? We've got those. And added coverage perks? Got them too.
Whichever perks you choose, they all have one thing in common: They'll show you that you really do get a whole lot of something with Farmers.
AUTO PERKS
New Car Replacement
With New Car Replacement, Farmers will cover the cost to replace your totaled new car, with a new one of the same make and model.
Accident Forgiveness
With Accident Forgiveness, Farmers won’t raise your Auto premium because of an at-fault accident for every three years you drive without one.
Auto/Home Discount
When you bundle you Home and Auto insurance with Farmers, you could save up to 20%.
Safe Driver Discount
You can receive a discount on your Farmers Auto insurance if you have no chargeable accidents or citations in the last 36 months.
Signal® + CrashAssist
Get a Perk for your safe driving skills. Just install the Signal app; you can earn a discount on Auto insurance based on how safely you drive. Earn a 5% initial discount when you start. And you can get up to 15% off when your policy renews, based on your safe driving habits.
And now Signal's new CrashAssist feature can detect when you're involved in a crash. It can connect you with emergency help and even help you submit an Auto insurance claim.
Auto Multi-Policy Discount
You could save up to 45% on your Farmers Auto insurance when you purchase multiple policies (like Home, Umbrella, Life, Business, Boat, Motorcycle, Motorhome and Recreational Vehicle) with Farmers and Foremost®.
Guaranteed Repair Program
We can guarantee your auto repairs for as long as you own your vehicle, when you use the Farmers network of independent repair facilities after an accident.
Loss of Use
When your car is totaled or being repaired after an accident, expenses can really add up. With a Farmers Auto policy and Loss of Use coverage, you can receive a fixed daily payment to use at your discretion.
Rental Reimbursement Coverage
We can help can cover the cost of a rental car when your vehicle is being repaired or you have a total loss, up to the limits you have selected.
Towing and Roadside Service Coverage
With Towing and Roadside Service Coverage, Farmers Auto policy holders can be reimbursed for breakdowns on a covered vehicle.
HOME PERKS
Guaranteed Replacement Cost
Purchase this perk and we'll pay the full cost to rebuild your home, no matter how much.
Claim Forgiveness
We won't raise your premium because of a claim, once you've gone claim-free with Farmers for five years.
Declining Deductibles®
Earn $50 toward your Home deductible each year your home policy remains in force.
Claim Free Discount
You will receive a discount on your Home insurance if you’ve been claim-free for three years.
Home Multi-Policy Discount
You could save up to 34% on your Farmers Home insurance when you purchase multiple policies (like Auto, Umbrella, Life, Business and Specialty) with Farmers and Foremost.
POLICY PERKS℠ ARE NOT AVAILABLE IN EVERY STATE. POLICY PERKS ARE AVAILABLE WITH SELECT FARMERS® BRANDED POLICIES. CERTAIN POLICY PERKS ARE OPTIONAL COVERAGES AVAILABLE AT ADDITIONAL COST. Subject to terms and conditions. Underwritten by Farmers, Truck or Fire Insurance Exchanges or affiliated insurer. Products not available in every state.
NEW CAR REPLACEMENT IS NOT AVAILABLE IN HI. OPTIONAL COVERAGE AVAILABLE AT ADDITIONAL COST. NEW CAR REPLACEMENT IS AVAILABLE WITH FARMERS® BRANDED SMART PLAN AUTOMOBILE POLICIES. Subject to terms and conditions. Covers the cost to replace an insured’s vehicle with a new one of the same make and model when the insured's vehicle is a covered total loss within the first two model years of the vehicle and if the vehicle has less than 24,000 miles.
ACCIDENT FORGIVENESS IS NOT AVAILABLE IN CA, HI, NY & SC. OPTIONAL COVERAGE AVAILABLE AT ADDITIONAL COST. ACCIDENT FORGIVENESS IS AVAILABLE WITH FARMERS® BRANDED SMART PLAN AUTOMOBILE POLICIES. Accident Forgiveness applies for 1 accident every 3 years. Subject to specific terms, conditions, and eligibility requirements.
FARMERS® AUTO/HOME DISCOUNT IS NOT AVAILABLE IN HI & SC. FARMERS AUTO/HOME DISCOUNT IS AVAILABLE WITH FARMERS BRANDED HOME AND FARMERS BRANDED AUTO INSURANCE POLICIES WHERE SOLD. Subject to terms and conditions.
SIGNAL® AND THE SIGNAL DISCOUNT ARE NOT AVAILABLE IN CA, HI, NY & SC. SIGNAL IS AVAILABLE WITH FARMERS® BRANDED SMART PLAN AUTOMOBILE POLICIES. IN FL, SIGNAL DISCOUNT IS 5%. Subject to terms and conditions. Once an insured enrolls in Signal and completes 10 qualifying trips using the app, the insured will receive an initial 5% discount on their Farmers® auto policy. Only one discount per policy. At renewal, the Signal discount may increase or decrease based on the percentage of enrolled drivers using the app and their driving scores. An insured's renewal discount could range from 0.5% to 15%, except in CO where your renewal discount can range from 0.5% to 20% and in FL where your renewal discount will be 5%.
SAFE DRIVER DISCOUNT IS NOT AVAILABLE IN HI, PA & SC. SAFE DRIVER DISCOUNT IS AVAILABLE WITH FARMERS® BRANDED SMART PLAN AUTOMOBILE POLICIES. Subject to terms and conditions. Time frame for 36 month period varies in CT and NY.
GUARANTEED REPLACEMENT COST IS NOT AVAILABLE IN CA & FL. OPTIONAL COVERAGE AVAILABLE AT ADDITIONAL COST. GUARANTEED REPLACEMENT COST IS AVAILABLE WITH FARMERS® BRANDED SMART PLAN HOMEOWNERS POLICIES. Subject to terms, conditions, and eligibility requirements.
CLAIM FORGIVENESS IS AVAILABLE WITH FARMERS® BRANDED SMART PLAN HOMEOWNERS POLICIES. Subject to terms, conditions, and eligibility requirements.
DECLINING DEDUCTIBLES® IS NOT AVAILABLE IN CA & FL. DECLINING DEDUCTIBLES IS AVAILABLE WITH FARMERS® BRANDED SMART PLAN HOMEOWNERS POLICIES. Subject to terms and conditions.
CLAIM FREE DISCOUNT IS NOT AVAILABLE IN OK. IN FL, 5 CONSECUTIVE YEARS IS REQUIRED TO RECEIVE THE CLAIM FREE DISCOUNT. CLAIM FREE DISCOUNT IS AVAILABLE WITH FARMERS® BRANDED SMART PLAN HOMEOWNERS POLICIES. Subject to terms, conditions, and eligibility requirements.