Complaints

This profile includes complaints for Indiana Farmers Mutual Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Indiana Farmers Mutual Insurance Company

  10 W 106th Street Indianapolis, IN 46290-1002

• 

  Indiana Farmers Mutual Insurance Company

  PO Box 527 Indianapolis, IN 46206-0527

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/08/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a homeowners policy with Indiana Farmers Mutual Insurance Company in good standing. I have had this policy for several years through a local insurance broker. Because my former broker sold to a company named ***** Insurance I decided to transfer my policy to ********* Insurance. The owner of ********* Insurance is more professional in my opinion and I have a choice in who I do business with. My homeowners policy is paid once a year out of escrow by my mortgage company and was just paid in the amount of $2,856.00 to Indiana Farmers. When ***** the office manager of Edinburgh Insurance contacted Indiana Farmers requesting a routine change of my policy from ***** Insurance to Edinburgh Insurance Indiana Farmers refused, giving no reason. I have a right to do business with whomever I choose. I want Indiana Insurance to transfer my policy to Edinburgh Insurance, it is my policy, paid by me. Edinburgh Insurance sells Indiana Farmers insurance as well. I want my homeowners insurance secured with people I trust, Indiana Farmers Mutual Insurance should immediately do the correct thing and transfer my "paid for" policy to Edinburgh Insurance.

  The reason for this additional complaint is that Indiana Farmers is paid in full for on year premium for my homeowners policy. I and my new insurance broker, Edinburgh Insurance requested my homeowners to be sent from ***** Insurance to ********* Insurance. They refused giving no valid reason according to other insurance companies I consulted including Edinburgh Insurance and an individual who works for the State of Indiana in the Insurance Division. All agree that this is a normal, uncomplicated request when a person changes insurance brokers for personal or business reasons and any other choice. I spend over $2,800.00 per year on homeowners insurance and have rights. The people I consulted with are appalled at the actions of Indiana Farmers Mutual Insurance Company.

  

  Business Response

  Date: 04/09/2025

  An individual is entitled to select whatever insurance agency they choose for their homeowners insurance.  However, changing insurance agents requires that a new application be submitted by the new agent so that the new agent does not benefit from the work product of the previous agent.  No application has been received from the Complainant's new insurance agent.

  Complicating matters is the fact that Indiana Farmers no longer writes a homeowners insurance policy without supporting business (i.e. additional policy(s) with the company.  The Complainant used to have his auto insurance policy with Indiana Farmers, but it was cancelled effective March 19, 2025 for nonpayment of premium.  Indiana farmers had worked extensively with the Complainant prior to this to keep his policy in good standing, but he had a history of at least 6 late payments within the last year.

  Because Indiana Farmers no longer writes homeowners policies without supporting business and because Indiana farmers is no longer will to write the Complainant's auto insurance due to his payment history, if the Complainant wishes to change to another agency, he will need to cancel his policy with Indiana Farmers and have his new agency place the coverage with another company. 

  Customer Answer

  Date: 04/09/2025

  I was not behind on my auto policy as IN Farmers states and I was not informed by IN Farmers of any such guidelines. I did not want to bring this up however the main reason I wanted to change agencies is because I was misinformed and treated rudely by a female employee of ***** Insurance who tried to talk me me into cancelling my insurance with *****. Not wanting to have to deal with such bizarre behavior I thought it best tochange agencies to ********* Insurance. I'm 75 years of age and am accustomed to being discriminated against and taken advantage of. It hurts.

  Customer Answer

  Date: 04/11/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]

  I was not behind on my auto policy as IN Farmers states and I was not informed by IN Farmers of any such guidelines. I did not want to bring this up however the main reason I wanted to change agencies is because I was misinformed and treated rudely by a female employee of ***** Insurance who tried to talk me me into cancelling my insurance with *****. Not wanting to have to deal with such bizarre behavior I thought it best tochange agencies to ********* Insurance. I'm 75 years of age and am accustomed to being discriminated against and taken advantage of. It hurts.
  
  Regards,
  
  **** *****

  
  

• Initial Complaint

  Date:11/13/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Well I e had house insurance with them for a few years. I just received a notification that my home doesn't meet their underwriting criteria...I called my agent who has no clue why..I called headquarters twice and have had no luck in finding out why. I need the insurance.

  

  Business Response

  Date: 11/14/2024

  Ms. ******* homeowner's policy was not renewed in compliance with the required statutory provisions due to increased hazards at the house for which Indiana Farmers Insurance is not a market.  Specifically, an above ground pool and a trampoline with no protective netting were observed.  These exposures do not fit within the underwriting appetite of Indiana farmers Insurance.  There are many other insurance companies that could likely be a market for Ms. ****** homeowner's insurance.

  Customer Answer

  Date: 11/14/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. As I have explained more than once the pool is not permanent. I put it up and tear it down every year. The trampoline was a free thing and I plan on using the frame of it . I do not accept their explanation.
  
  Regards,
  
  ***** *****
  

  

  Business Response

  Date: 11/15/2024

  No additional response.

  Customer Answer

  Date: 11/19/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  no one has called me from the company...
  
  Regards,
  
  ***** *****
  

• Initial Complaint

  Date:07/25/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On August 8, 2019, I called Indiana Farmers, my homeowners insurance company, to inquire about my deductible for damages to my home from fire. They told me my deductible is $5000 for the $20,000 worth of damage sustained by the fire. I opted to NOT file a claim, and instead, had work done very slowly over time and covered all expenses out of pocket. Yet, Indiana Farmers filed a claim anyway. I have tried to switch to a new insurance company in hopes of finding one that is supportive, respectful, and trustworthy. However, the inaccurate claim on my record is preventing me from switching to a better company and making my premiums higher than they should be. After contacting them, I was told that theres nothing they can do now, other than send me a letter saying they never paid on the fire claim, which is inaccurate because I never filed a fire claim.

  

  Business Response

  Date: 08/08/2023

  Indiana Farmers Mutual Insurance Company (***) has insured ******************** since August 15, 2017.

  On August 8, 2019, ******************** contacted *** to report a fire at her house.  She said she was cooking on stove top, pan caught on fire. There is damage to the stove, microwave and wall above stove. She called the fire department, they responded, got fire put out and got smoke smell out of house. She reported that the house is livable, they just don't have stove. It was apparent that there was soot in the house and that cleaning would be required.  ******************** reported that she did not have any immediate needs. *** would contact her to set up an inspection.

  Later on August 8, 2019, the *** adjuster called ******************** and left a message with his contact information and requesting a return call to review the claim filed.  The adjuster advised her that she could contact a restoration company for any emergency needs, cleaning and/or air purification, etc.  Confirmed $5,000 deductible that would apply and requested that ******************** return the call so that *** could review the claim details and schedule an inspection. 

  ******************** contacted the *** adjuster on August 12, 2023.  She explained that there was a cooking fire on her stove last week, which caused some minor damage to the kitchen.  She advised that the range had been damaged along with the microwave and the wall behind the range.  She also indicated some smoke/soot on the cabinetry but wasnt sure if that would come clean or not. 

  The *** adjuster reviewed the applicable homeowners coverage with ******************** including coverage that would apply for direct fire and/or smoke related damages, including replacement of damaged/destroyed items and cleaning of other items throughout the home.  The adjuster confirmed that there was a $5,000 deductible that would apply and how it would be applied.

  ******************** advised that she did not think that the damage repairs would exceed $5,000.  She advised that she would not have the $5k deductible to pay should a contractor come in to assist with the cleaning/repairs.  ******************** requested that the claim be closed, confirming that there was no need to proceed further with the claim due to the amount of damages involved and deductible that would apply. 

  The *** adjuster confirmed his understanding and advised of the closing letter she would receive.  The *** adjuster invited ******************** to follow-up should anything change or should she have any questions.

  At the time of the claim/fire, ******************** was receiving a discount on her homeowners insurance premium of 7%.  Because nothing was paid on the claim, that discount was not affected and she continued to receive that discount in subsequent years until she suffered another claim due to wind damage to her home on September 20, 2022.  That claim resulted in total damages of $9,501.93.  After this claim, ************************ premium discount was reduced to 2% due to having incurred one loss.

  Along with many other insurance companies, *** participates in the ************************ Loss Underwriting Exchange (CLUE).  This is a database where insurance companies report losses.  Participating insurance companies are obligated to report losses to LexisNexis CLUE.

  It is true that nothing was paid by *** as a result of the fire that occurred at ************************ home in 2019.  However, that does not mean that the fire did not occur.  *** has accurately reported the loss to CLUE and also that nothing was paid by *** on the loss.  

  When ******************** was shopping for new homeowners insurance, she states that she found out about the fire loss being reflected on her CLUE report.  She spoke with the *** adjuster on July 25, 2023 and said that she never wanted to file a claim.  As exhibited by the narrative above, a claim was filed and discussed with the *** adjuster, but ultimately not pursued due to the amount of damages.  The *** adjuster sent ******************** another copy of the claim closing letter confirming that no amount was paid by *** as a result of the fire at her home in 2019.  

  *** handled ************************ 2019 fire loss promptly, courteously and appropriately.

  ******************** may dispute what she believes to be an error on her CLUE report by calling *********** at **************.

  Customer Answer

  Date: 08/08/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  *********************************