Been shopping around for car and home insurance lately, and I've narrowed it down to State Farm and Farm Bureau. Both seem pretty solid, but I'm kinda stuck deciding between the two. State Farm seems like it's everywhere, you know, big name, lots of agents around town. But then again, Farm Bureau feels a bit more local and personal, maybe easier to deal with if something actually happens.
My neighbor swears by Farm Bureau—said they handled his roof claim super quick after that storm last year. But my sister-in-law has State Farm and says their app is really convenient for payments and claims and stuff. I mean, convenience is nice, but when things go sideways, I just wanna know they'll actually come through without a headache.
Anyone had experience with either of these companies here in Tennessee? Good or bad stories welcome...just trying to get a feel for which one might be the better bet before I pull the trigger.
I've dealt with both companies quite a bit through work, and honestly, your gut feeling about Farm Bureau being more personal isn't off. Had a claim last year where a family's basement flooded—Farm Bureau adjuster was out there next morning, boots on the ground, no fuss. State Farm's solid too, but sometimes their size means you're dealing with more red tape and delays. Convenience is nice until you're knee-deep in water waiting on callbacks...just my two cents.
You're spot on about Farm Bureau's personal touch. Had a similar experience when my classic Mustang got rear-ended—Farm Bureau adjuster was quick, knowledgeable about vintage parts, and genuinely helpful. State Farm's reliable, but sometimes that extra layer of bureaucracy can slow things down...
"State Farm's reliable, but sometimes that extra layer of bureaucracy can slow things down..."
Haha, tell me about it. Last summer, on a cross-country road trip, my trusty Subaru decided to kiss a deer somewhere in Wyoming (deer was fine, Subaru...not so much). State Farm came through eventually, but man, the paperwork and phone tag felt endless. Sounds like Farm Bureau might've saved me from some gray hairs—especially if they're good with classics. Maybe next time...though hopefully no more wildlife encounters for me.
I've dealt with claims from both companies over the years. Here's my quick take:
- State Farm is generally solid, but yeah, the paperwork can pile up. Their app does help streamline things, but sometimes you still end up playing phone tag.
- Farm Bureau tends to be quicker on the turnaround, especially for home claims. Less red tape usually means fewer headaches when you're already stressed.
- Both are reputable, but if you're leaning towards personalized attention and quicker responses, Farm Bureau might edge out State Farm slightly—especially here in TN.
