Farmers® Policy PerksSM

A rewarding insurance experience

Get a whole lot of something with Policy PerksSM*

When you purchase a policy with Farmers, 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

New car totaled? We’ll cover the cost to replace it with a new one of the same make and model.

Accident Forgiveness

We won’t raise your rates because of an accident for every three years you drive without one.

Auto/Home Discount

Receive a discount when you bundle your Home and Auto policies.

Get up to 15% off with Signal®

Earn a 5% initial discount when you start. And get up to 15% off when your policy renews, based on your safe driving habits.

Safe Driver Discount

Get a discount on your Auto insurance if you have no chargeable accidents or citations in the last three years.

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.

Auto/Home Discount

Receive a discount when you bundle your Home and Auto policies.

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. 

man driving next to dog

Ready to sign up for the
Signal® safe driver discount?

Great. You'll need to pre-register with a quick call to 1-800-709-7821, or simply contact your agent.