I have paid my premiums for 7 years. I have a claim on my renters insurance and they find every fault they can to not pay. I lost everything. I only got the clothes I slept in the night before. Now I am homeless and I have absolutely nothing to put in a home. But hey let's give you 4,400 1000 deductible and we've already gave you 3000. Now we are good. Why the reason they aren't paying me. They failed to change my address on my policy. Even after I gave it to them several times. So their mistake I am paying for. A week before Christmas I am suppose to be happy with how I've been treated. Merry Christmas and Happy New Year. Good luck on putting your life back together not our problem. That is how I feel. I'm not their problem. Do not use FARMERS INSURANCE. BEWARE!