Farmers Home Insurance charge is unbelievable high. At the end of 2009, I switched home insurances to better offers for all my properties. Liberty Mutual and Allsate refunded the remaining balances immediately. James Abruzzo with Farmers would not cancel the policy. Instead they told me I had to write them a letter for cancellation. After I sent them a cancellation letter in January 2010, they still charged my mortgage company from January to April 2010. Farmers wanted $1, 500 for a policy I could get with $800. Yet they would lie to my mortgage company to get my money. Be careful and stay away James Abruzzo and Farmers at Virginia Beach, VA.