How to Cancel Farmers Insurance Policies

Insurance is a financial safety net that protects you from life’s uncertainties. It’s the “silver lining” if your home burns down, your car gets totaled, or your doctor gives you some bad news. Insurance isn’t supposed to keep you up at night wondering if you can make the next payment.

For many, Farmers Insurance is a good choice as an insurance provider.

Founded in 1928, Farmers Insurance offers insurance policies for your home, car, life, and business. The company is known for providing customers with generous discounts, benefits, and accommodations on their insurance policies.

For example, Farmers homeowners insurance offers both extended and guaranteed replacement costs that allow you to exceed the policy’s limits if rebuilding costs go over budget.

However, these benefits do come at a price.

Forbes Advisor only gave Farmers Insurance a score of 3.4 out of five stars because its premiums are comparatively more expensive than its competitors.

Imagine checking your Cushion calendar dashboard and seeing insurance payments are due in two weeks, but your cash flow is approaching critically low levels.

What do you do?

Look for an insurance provider that can cover your home, auto, or life with affordable coverage. In the meantime, learn how to cancel your Farmers Insurance policies. Once your new insurer is ready, pull the plug on Farmers.

Step-by-Step Guide to Canceling Your Farmers Insurance Policies

To cancel your Farmers Insurance policies, call customer service at 1-888-327-6335. Customer service hours are 7:00 am to 11:00 pm, Monday to Friday, and 8:00 am to 8:00 pm, Saturday and Sunday CST.

1. Review the Terms and Conditions of Your Insurance Policy

Before calling customer service, review the terms and conditions of your insurance policy. Familiarize yourself with its cancelation policy. Insurance companies have specific conditions for canceling a policy. You might be charged a cancelation fee if you cancel before your policy expires.

Prepare a list of questions to ask the customer service representative and be ready to provide a reason for cancelation.

The reason for cancelation is very important as you’ll find out in two steps! 😉

2. Be Ready with Your Account Verification Documents

The customer service representative handling your call will verify your identity before addressing your cancelation request.

Prepare the following information before calling customer service:

• Full name
• Policy number
• The renewal date of your policy
• The desired end date of the policy
• Birth date
• Email address
• Home address
• Mobile phone number

3. Call Customer Service

Get the name of the representative handling your call. Inform them that you want to cancel your Farmers insurance policy.

Expect the representative to ask why you’re canceling your insurance policy. This is important for Farmers because the company wants to be sure that canceling your policy won’t violate state laws.

For example, you inform them that you’re canceling your auto insurance policy because you’re moving to a new city. You can’t drive in any state without auto insurance.

According to a 2023 study by the Insurance Research Council, 14% of drivers nationwide were uninsured. 😳

You have to assure Farmers you won’t have lapses in insurance by showing proof you have a new insurer waiting. You’ll have to present your new insurer’s new policy number and its start date.

4. Get the Details

Find out if you’ll incur a cancelation fee and other charges. The usual practice is to charge a cancelation fee if the policyholder cancels the policy before it expires.

If you’ll be charged a cancelation fee, ask if you can get a refund for the unexpired portion of the policy.

Farmers Insurance will mail you a notification that your insurance policy has been canceled. If you arranged for automatic payments, log into your account and check if the feature has been disabled.

💡 Note: Alternatively, you can cancel your insurance policy by calling your Farmers Agent. Follow the same procedures for calling customer service.

What to Do After Calling Farmers Insurance Customer Service

Cover your bases by sending a cancelation letter to Farmers Insurance after calling customer service. A letter is your written proof that you requested Farmers Insurance to cancel your policy.

Mail your letter to:

Farmers Insurance Group
6301 Owensmouth Avenue
Woodland Hills
Los Angeles, CA 91367

How to Cancel Your Farmers Insurance Policies by Mail

Follow the steps below to cancel your Farmers Insurance policies by mail.

1. Prepare a letter addressed to “Customer Service” with the subject line “Cancelation.”

2. Include the following information in the letter:

• Full name
• Policy number
• The renewal date of your policy
• The desired end date of the policy
• Birth date
• Email address
• Home address
• Mobile phone number

3. Inform customer service that you want to cancel your insurance. If you previously made a call to customer service, in your letter, indicate the time and date of the call and the name of the representative you spoke to.

Similar to your call to customer service, you have to provide a reason for canceling the policy. Again, the reason for cancelation must be justifiable. We’ll give another example of a justifiable reason for cancelation.

Let’s say you want to cancel because you’re selling your car. In your letter, you’ll have to include a copy of the Bill of Sale and proof that the license plate was returned to your local Department of Motor Vehicles (DMV) office.

4. Conclude your letter by requesting an immediate response. Ask them to provide you with a breakdown of charges, if any, and a timeline for when your policies are officially canceled.

5. Mail your letter to the address listed above. It’s important to send the letter immediately, preferably after the call. We recommend using certified mail because you’ll know when the letter was received by Farmers Insurance.

Can You Cancel Your Farmers Insurance Online?

To find out if you can cancel online, visit the website of your local Farmers Insurance office. Cancelation policies might vary depending on the region.

For example, the website of the Farmers Insurance office in South Carolina has a contact form.

• Go to the Submit a Request page.
• Go to “My Request is About.”
• Select “About my Policy.”
• Provide the required information.
• Review the information.
• Click “Submit.”

The website also has a chat icon at the bottom right side of the home page. You can click on the icon to start a chat session with an agent.

Generally, calling customer service is the most effective way of canceling your policy because you can go through the details of the process with a representative of Farmers Insurance.

Related article: How to Cancel State Farm Insurance Policy

Summary

Cancel your Farmers insurance policies by calling customer service at 1-888-327-6335. Alternatively, you can contact your local Farmers Agent.

Review the terms and conditions of your insurance policy and prepare documents to verify your identity before you call customer service or the agent. Also, be ready to provide them with a justifiable reason for canceling your policy.

Mail a cancelation letter to Farmers Insurance Group after your call. The letter is written proof you requested to cancel your policies with the company.