How to Contact Fire Insurance Exchange: Phone Numbers, Emails, and More

Fire Insurance Exchange is a major provider of homeowners insurance, including fire insurance, in the United States. If you need to get in touch with Fire Insurance Exchange, this guide will provide their phone number, email, mailing address, and other contact information.

Overview of Fire Insurance Exchange

Fire Insurance Exchange is a property and casualty insurance company that provides homeowners insurance, renters insurance, condo insurance, and fire insurance policies across the United States. It is a subsidiary of Farmers Insurance Group.

Fire Insurance Exchange operates as a reciprocal insurer or inter-insurance exchange. This means the company is owned by its policyholders rather than shareholders. Any profits are returned to policyholders in the form of dividends.

Fire Insurance Exchange writes policies in 28 states and provides coverage for:

  • Homes
  • Condos
  • Rentals
  • Personal property
  • Liability
  • Additional living expenses

They offer discounts for bundling auto and home insurance, being claims-free, installing protective devices like smoke alarms, and more.

Contact Information for Fire Insurance Exchange

If you need to get in touch with Fire Insurance Exchange, here are their phone numbers, email addresses, mailing addresses, and other contact details:

Phone Number

The main customer service phone number for Fire Insurance Exchange is:


This number can be used for questions about your policy, starting a new policy, or reporting a claim. Wait times may be longer during peak claim-filing hours like after a major storm.

Fire Insurance Exchange customer service representatives are available Monday-Friday from 7am-7pm local time.

For claims questions specifically, you can also call:

  • 1-800-435-7764 for auto claims
  • 1-800-435-7765 for property claims like homeowners and fire insurance


There is no direct email address for contacting Fire Insurance Exchange customer support. However, you can email Farmers Insurance through their website contact form.

To do this:

  1. Go to
  2. Select your topic like “Homeowners Insurance” or “Existing Customers.”
  3. Choose your preferred contact method as “Email.”
  4. Enter your name, email, and message.
  5. Click “Submit” to send your inquiry.

A customer service agent will reply to your email within 1-2 business days.

Live Chat

Farmers Insurance offers live chat support on their website. To access it:

  1. Go to
  2. Click the “Customer Service” link at the top of the page.
  3. Click “Chat with Us” on the customer service page.

Chat agents are available Monday-Thursday from 5am-7pm and Friday from 5am-6pm Pacific Time.

Mailing Address

To send written correspondence to Fire Insurance Exchange, you can mail them at:

Fire Insurance Exchange
4680 Wilshire Blvd
Los Angeles, CA 90010

This is the headquarters address for Farmers Insurance Group. Be sure to address your letter to Fire Insurance Exchange specifically.

Social Media

Fire Insurance Exchange can also be contacted via Farmers Insurance social media pages:

Messaging their social media accounts can be a fast way to get assistance with simple questions or issues.

Reporting a Claim to Fire Insurance Exchange

If you need to file an insurance claim with Fire Insurance Exchange, here are some tips:

  • Call right away: Promptly report any damage or loss so the claims process can begin quickly.

  • Have your policy number ready: This will help the agent pull up your policy details faster.

  • Take photos of damage: Capture pictures of any property damage before making repairs. This will document the loss for your claim.

  • Save receipts: Keep receipts for temporary repairs or housing so they can be included in your claim.

  • Complete a home inventory: Listing all your personal property will help settle contents claims faster.

  • Ask about advance payments: If the damage makes your home unlivable, you can request immediate emergency funds.

  • Follow up on your claim: Check in regularly on the status and provide any requested documents quickly.

Connecting with Local Fire Insurance Exchange Agents

In addition to the national customer service numbers, you can also contact local Fire Insurance Exchange agents in your state.

Agents can help you:

  • Get a quote
  • Start a new policy
  • Make policy changes
  • Review your coverage
  • File small claims

To find a local agent:

  1. Go to the Farmers Insurance Agent Finder page.

  2. Enter your city, state or zip code.

  3. Select an agent’s office location to view their contact details and office hours.

Meeting with an agent allows you to ask questions and get assistance in person. So visit a local office if you need help beyond what customer service can provide over the phone.

Checking if Fire Insurance Exchange Operates in Your State

Fire Insurance Exchange mainly operates in Western and Midwestern states. To see if they offer insurance in your location:

  1. Go to the FloodSmart Program page for Fire Insurance Exchange.

  2. Scroll down to the “Related State(s)” section.

  3. Check if your state is listed there.

As of February 2023, Fire Insurance Exchange operates in these 28 states:

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Maryland
  • Michigan
  • Minnesota
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

So if you live in one of those states, you’ll be able to get a Fire Insurance Exchange policy. Those are the key ways to get in contact with Fire Insurance Exchange for questions, claims, or new policies. Reach out by phone, email, or social media to get assistance from this major home and fire insurer.

What Your Insurance Company Doesn’t Want You To Know Regarding Your Insurance Claim


Is Farmers Insurance laying off employees?

California-based Farmers Insurance said Monday it is laying off 11% of its workforce — or 2,400 employees — in a bid to restructure itself for long-term growth. The jobs being cut are from across all areas of the company, according to a statement on its website.

What is the grace period for farmers insurance?

Yes, Farmers has a grace period of 30 days for payments. During the grace period, policyholders can pay their past-due premium in order to avoid a lapse in coverage. If the grace period ends without the necessary payment being made, Farmers will cancel the policy.

Why is my farmers insurance so high?

Common reasons for high car insurance costs include your driving record, age, coverage options, where you live, the car you drive, your credit history or not taking advantage of discounts. The average car insurance premium has also become more expensive as it increased by more than 50% in the past 10 years.

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