Nikki Farag Agency
Call Anytime 310-390-4500
Nikki Farag Agency
Call Anytime 310-390-4500
Homeowners in Los Angeles can take advantage of a variety of discounts that help lower their insurance premiums without sacrificing valuable coverage. At Nikki Farag Insurance Agency, we’ll walk you through savings opportunities offered by Farmers Insurance, including discounts for bundling, protective devices like burglar alarms, newer homes, and more.
Whether you own a single-family home in the Valley or a condo on the Westside, we can help you find personalized ways to save. Ask about multi-policy discounts, claims-free rewards, and other offers that may apply to your home insurance—so you can protect your investment while keeping more money in your pocket.
You can save 10% or more by bundling home and at least one other qualifying Farmers policy, such as auto, life, umbrella, small business or specialty. Learn more about bundling insurance
If you pay your premium in full or in two installments or sign up for a monthly pay plan with automatic payment, you may be eligible for a discount.
You may be eligible for an affinity discount if you work in an eligible profession, hold a qualifying degree, or are a member of the military—whether active duty, reserves, retired, or honorably discharged.
Earn a discount for being claim free for three consecutive years.
Save money (and trees!) by enrolling in ePolicy and accepting the Go Paperless terms and conditions.
If you’ve had a renters policy for over a year and are now purchasing a home, you may qualify for a discount when you transition to a Farmers home insurance policy.
If your smart home system allows for remote monitoring and control, you may be eligible for a discount.
Homes built with approved certifications, including:
ENERGY STAR®
LEED
EPA
Homes with:
Fire alarm
Security system
Internal sprinklers
Ask us for discount options if your home is less than 14 years old.
Homes with asphalt or fiberglass shingles approved by UL.
We Are Your local Farmers Insurance Agent Serving all of Los Angeles and the surrounding areas.
Finding the right coverage at the right price is always my goal for every homeowner I work with. There are more ways to save than most people realize, and I’m here to help you take advantage of every discount available.
Nikki Farag
Farmers Insurance Agency Owner
License 4247364
At Nikki Farag Insurance Agency, our clients are at the heart of everything we do. From personalized guidance to reliable coverage, we’re proud to earn the trust of families and business owners across Greater Los Angeles. Here’s what some of our customers have shared about their experience working with us.
Reviews
Nikki and her team are absolutely fantastic. I’ve been with them for both my auto and home insurance for years, and they’ve always been incredibly responsive and helpful. Whether I need an extra copy of an insurance card, or just have a quick question, they’re always patient and easy to reach. I can’t recommend Nikki enough!
Reviews
I was referred to Nikki by a coworker who’s one of her clients, and I’m so glad I made the switch. I moved all of my policies over from State Farm because I really value the personalized service Nikki and her team provide. It’s refreshing to work with someone who takes the time to explain everything and is genuinely invested in helping you. I also love that she’s local—there’s a real sense of connection and trust.
Reviews
Nikki has been our insurance agent for just about a year now and we love the personal service we get with her. We have our home, autos and our landlord policies all with her through Farmers and I would highly recommend her to anyone who is looking for insurance!
Reviews
Amazing service! Got my five work trucks covered and got me a policy for my home insurance. Thank you Nikki you are a pleasure to work with 10/10 would recommend to anyone!!!
Choosing a higher deductible can lower your home insurance premium because it reduces the insurer’s financial risk. For example, a homeowner with a $5,000 deductible will typically pay less in premiums than someone with a $1,000 deductible.
However, a higher deductible means you’ll pay more out of pocket each time you file a claim. If you experience separate incidents—like storm damage in the winter and a break-in in the spring—you’ll need to pay the deductible for both. Talk to your agent or get a quote to see how different deductible amounts could affect your rate.
Before increasing your deductible, think about:
Affordability: Can you comfortably cover the deductible now and later?
Claim history: Home insurance claims average once every 10 years, so higher deductibles may save money if you rarely file.
Emergency savings: If you have a solid emergency fund, the trade-off for lower premiums might make sense.