Farmers Friendly Review · Free Service

Know What You're
Actually Covered For.

The Farmers Friendly Review℠ is a free, no-strings policy review with our licensed team. We'll walk through your coverage — even if it has another company's logo on it — and show you where you're protected, where you're exposed, and where you might be overpaying.

📅 Book My Free Review → 📞 Call (877) 275-0214

One phone call. Zero obligation. Most reviews take about 20 minutes and many uncover real savings.

📅 Book a Review with the Agency →
A Free Review. No Strings Attached.

Insurance is easy to set and forget. Until something goes wrong.

A Farmers Friendly Review — officially known today as the Farmers Coverage Review℠ — is a simple conversation that helps you understand what your policy actually covers, and where it might fall short. It's a service we provide free as part of working with our agency.

You don't need to be a Farmers customer. Bring us a policy from any carrier and we'll walk through it with you either way.

  • Identify overlaps and gaps in your current coverage before a claim exposes them
  • Find discounts and credits you may now qualify for — better coverage, better pricing, or both
  • Update coverage that hasn't kept pace with your life: new home, new driver, new business, rising home values
  • Plain-English explanation of what every line on your policy means
When Should You Get One?
📅Once a year — Farmers recommends an annual review
💍Getting married or divorced
🏠Buying a home or renovating
🚗Adding a teen driver or a new vehicle
💼Starting a business or changing jobs
📈Any significant change in income or assets
How It Works

Three Simple Steps

The whole process is built to be easy — most reviews take about 20 minutes by phone, video, or in person at our Manchester office.

1

Grab Your Declarations Page

Ideally, find the summary ("declarations") page of your auto and/or home policies — most carriers show it under My Account → My Policy → View Policy Documents. Can't find it? No problem — we can still help when you call.

2

Book a Time or Call Us

Call (877) 275-0214 or book directly on the agency calendar. In person, by phone, or by video — your choice. Weekend appointments available.

3

Review, Adjust, Save

We walk through your coverage together and identify opportunities to adjust your protection, save money, or both. You share only what you're comfortable sharing — everything stays confidential.

What We Look At

Your Policy's "At-a-Glance" Guide

Your declarations page is a summary of the most important details in your policy. During your review, we go through each of these together:

  • Who's covered — and who isn't
  • What's covered: your vehicle, home, or other property
  • Your coverage types and limits
  • Your deductible amounts
  • Your premium — what you're actually paying
  • Your policy start and end dates
  • Endorsements — the add-on coverage you have (or should have)
Your information stays confidential.

Share only what you're comfortable with — send us your policy summary, or just read it to us over the phone. We make it easy.

Plain English, Please

The Jargon, Decoded

"Named insured"The person or people insured by the policy.
"Policy number"Your unique ID. Important if you need to file a claim.
"Policy period"Start and end dates for the insurance.
"Coverages"The buckets of protection in your policy — personal belongings, living expenses while your home is repaired, and so on.
"Coverage limits"The ceiling ("up to this much max") for each bucket of protection.
"Deductible"How much you pay out of pocket before your insurance considers paying your claim.
"Endorsements"Add-on "extra" coverage — for example, fine art or expensive jewelry.
Why Review With KOA

A Farmers Review, Plus an Independent Second Opinion

Most Farmers agents can only compare you against Farmers. As both an authorized Farmers agency and a full independent brokerage, we can check your coverage against the whole market — 20+ carriers.

🔍

Gap & Overlap Analysis

We catch underinsured dwellings, low liability limits, missing endorsements, and coverage you're paying for twice.

💰

Discount Check

Bundling, good driver, claim-free, protective devices — we make sure every credit you qualify for is applied.

🤝

Honest Recommendation

Sometimes the answer is "your coverage is fine — stay put." You'll get the truth either way. That's the point of the review.

Common Questions

Farmers Friendly Review FAQs

What is the Farmers Friendly Review?
It's a free meeting with your Farmers agent to review your insurance coverage — officially called the Farmers Coverage Review℠ today. Our team identifies overlaps or gaps in coverage and flags discounts or credits you may now qualify for. We offer it free as part of our service to Connecticut families and businesses.
Does it cost anything?
No. The review is completely free with no obligation — and you don't need to be a Farmers customer. We'll review policies from any insurance company.
How often should I get a review?
At least once a year, or any time life takes a turn — marriage, a new home, a new driver, a new business, or a meaningful change in income or assets. The smartest time to rethink your insurance is before you need it.
What do I need to bring?
Ideally the declarations page from your current policies — the summary that lists who's covered, coverage limits, deductibles, and premium. If you can't find it, call us anyway at (877) 275-0214 and we'll work with what you have.
Will you try to sell me something?
The review is a consultation, not a pitch. If your coverage is right and fairly priced, we'll tell you. If we find gaps or savings, we'll show you options — from Farmers and from the 20+ other carriers we represent — and let you decide.

When was the last time anyone actually read your policy?

Book your free Farmers Friendly Review — 20 minutes, no obligation, plain English.

📅 Book My Free Review → 📞 (877) 275-0214