Being a businessman, I have dealt with numberous insurance companies over 35 years. Farmers Insurance agents use textbook deceptive phrases when you speak with them. They will attempt to deceive you into believing the you are "Family" to them. Don't be stupid, all they want is your money. Farmers will raise your home and auto policy rate, even when you have no claim or history of claims. Their auto pay feature will nickel and dime you to death.
The agents will lie and sell you a desireable coverage feature. Just try and find what they lie about within the written language of your policy. Good Luck... They Totaly Suck. And they will deny any claim you make after years of paying great sums of premium payments to them. If you can not find it clearly written in your policy, you have nothing but the right to give Farmers lots of money and get nothing in return.