Farmers Insurance – Ray Cheng

I was referred to Ray Cheng from an old friend of mine and have been insured by Ray, his team, and Farmers insurance since 2012. It is always a positive experience to call Ray’s office or get a call from them. They are always kind and never pushy and very willing to explain things to people who know nothing about insurance, like me. Elizabeth, Ted, and Ray are the main people I’ve had the fortune to work with (also talked with David today and he was great too). Long story short, my fiancé and I both use them for auto and renters insurance. We feel very confident with Ray, his team, and Farmers insuring us and know that they will be there for us when needed. Highly recommend their work and customer service.

Seriously… I don’t know what I would do without Ray and his staff. Whether it is an urgent email, a phone call, or anything that I need help with… Ray responds within 15 minutes, it’s INSANE! Even when he is away on vacation and I have emailed Ray directly, it gets taken care of that day. I’ve been with Ray for years now and I honestly don’t see myself going to any other insurance company for my auto and renter’s insurance. Thanks Ray for your dedication to your clients. :)
He also deals with my mom, and she’s a tough cookie. HA! :)

I’ve had RMC Insurance for a couple of years now and the experience is the very best I’ve ever had from an agency. When ever I contact Ray and team I receive the utmost friendly and helpful service. If I must leave a message it is returned in minutes. When I send an email it is answered with all the pertinent info in minutes. These folks truly understand what great service means to their customers.

I will be brief but Ray and RMC recently provided me with car insurance even though my record is less than desirable. They took the time to review options and get me the most affordable insurance possible. I will recommend them again and again.

If I can give a no stars I would. That is what this fraud of a company would be. Never working with this so called farmers insurance. Oh guess what they are not farmers. It’s some half ass third party company and they spin you in loops all day to assist you.
At least the lady who works their is somewhat reasonable to talk to. I give it half a star. Get your shit together at this office and stop misinforming your customers.

This company has done nothing but bend over backwards for me. I needed some affordable full-​coverage insurance and Rey and his staff were right there to help me out. I then reached out for renters insurance and they lowered my auto insurance! Fantastic company, Fantastic people & Fantastic service. A+ Rey, keep up the great work!
~Dominic Murphy

I have been insured by them for a few years now and I’m extremely happy with them! They will work for you to get you the cheapest insurance! They are easy to get ahold of and super helpful whenever you call with questions!

I normally don’t write reviews, but I feel strongly about the service and thought my input may help others.
During my hectic experience of purchasing a new condo I called to request a quote. Not only did their prices please me, the staff was exceptional. I intially spoke with Ray Cheng who was very patient with me and answered all of my questions until I was comfortable in my choices. This process was confusing as this was the first time I had purchased home insurance. He stayed on the phone with me until i understood everything and felt comfortable in my choices.
I was so pleased with the service that I called back to see what they could do for my car insurance. In summary, I now have my home and my car insured and am thrilled.
Each and every time i calll with questions, they are polite, patient, and knowledgable.
I rate them with five stars without hesitation.
Amy

I’ve been insured by Ray Cheng Farmer’s Insurance for my auto and home insurance for several years, and he has continued to reliably provide competitive rates with professional and responsive service. I’ve had to contact him on numerous occasions as changes needed to be made to my policy throughout the years. He has always been able to understand my needs then clearly explain various options with corresponding rates and the pros and cons of each option.
When I’ve had urgent concerns requiring immediate attention, Ray has personally contacted me even after hours and almost always only after a few minutes after leaving a message on his voicemail or with his office staff. He is very personable and always has my best interest in mind with trying to help me obtain the most comprehensive coverage for a very reasonable price. When contacting other companies for quotes, many were charging significantly more for the same coverage or tried to offer me a lower rate but barely covering my insurance needs.
I highly recommend Ray Cheng Farmer’s Insurance as he has always been forthright about my selected insurance plan and thoroughly answered any questions I had. It has been such an easy process year after year. I provide accurate updated information as needed. He gives me the most reasonable coverage plan given my needs and budget. Done!

Ray Cheng Insurance Agency is great ! Ray values quality service and relationships. He is always very helpful with any questions that you have. Purchasing car insurance couldn’t have been any easier.
Ray has been an insurance agent for many years now. He is very honest and professional. Provides excellent advise .He is always very prompt at returning my inquiries, either by email or phone. He also has a couple of assistance who are always very friendly and happy to help .
I have recommended him to friends and family with no reservations.

I am very happy to say that Ray is very helpfull. I have been with his office for many years. Any question or help with my policy I would call and get helped right away. I think as long as you pay on time and are up to date with everything you should not have any issues.

I have been a client with this agency for a few years now and I have always had a great experience. They always answer their phone calls right away or call back the same day. The service has been amazing and although, not the least expensive, they make up for the difference in cost.
My family also has insurance through them for years, and have been pretty happy!
Pros:
–Prompt service
–Very clear in explaining coverage
–Very customer service oriented
–Very professional
Cons:
–Hard to find the office location
–Not open on Sundays

Doing business with Ray was one of the most pleasant experiences when getting insurance. When I was looking for health insurance he went through all the different options available. When I went with the cheapest one available he didn’t try to sell one of the more expensive ones filled with coverage I didn’t need. I was offered cheaper rates through a new job and was able to cancel my policy hassle free. If I have any insurance needs in the future I wouldn’t hesitate to go back to Ray.

In May 2009 I purchased my first home, in the scramble to find an affordable insurance policy I ended up using Ray Cheng (Farmers) for my insurance needs. I was given a quotation that offered $ 75,000 coverage for my personal belongings. This was more than I needed, however Rays quote was the most competitive I received, which I found surprising since I knew how overpriced Farmers auto insurance was. During the quotation phase Ray explicitly stated to me that the insurance policy did not cover earthquakes, and that that would require a separate policy.
Fast forward to May 2013. My home was broken into and over $ 3000 of personal belongings were stolen along with damage to a fence that the robbers broke down in their effort to escape into the alleyway. I contacted Farmers to make my claim and was told that my policy DID NOT COVER THEFT/​BURGLARY.
A bit bewildered I asked how it was possible that my personal belongings which were supposed to be insured up to $ 75,000 were not covered? They forwarded me the bible of paperwork that arrived after the policy was issued, buried in the fine print there it was. I might add that the fine print goes to such extremes to avoid responsibility of a claim that it goes as far as saying, «losses due to nuclear weapon detonations, even if deemed accidental, are not covered.» It was pretty laughable, but then I realized I was out $ 3000+ and I wasn’t laughing anymore.
I followed up with Ray and asked why he would sell me a policy that didn’t cover theft and why his quote didn’t clarify this? His response was that he was simply trying to meet my demands of wanting an affordable policy. Now like most rational people, I am always going to seek out the best price, but had I know I was being offered a half assed insurance plan that didn’t cover anything other than fire, I wouldn’t have bought it. It’s totally OK for Ray to have offered me a cheaper policy, I just wish he had been up front and told me it’s deficiencies. In my opinion, as well as all my home owning friends, theft/​burglary coverage is a pretty important aspect of a home insurance policy (none of them realized you could buy a policy without it!).
Ray then offered me a new policy quote. I then compared it to the quote I received in 2009. Both quotes made NO MENTION of whether theft was covered or not, they both used the same simple language that personal belongings were covered up to their $ amounts. The new policy was double in price and the only other thing that distinquished this 2009 quote from this 2013 quote was the title of «next generation policy» on the 2013 one and «SFR special policy» on the 2009 quote. Now those titles may mean something to someone at Farmers, but they meaningless to a consumer. There is no way to know one includes theft and the other doesn’t.22
Feeling like I had been screwed over, I began shopping for a new insurance company. I specifically asked each provider I contacted whether or not the policy I was being quoted for included coverage for theft/​burglary. Each time I asked the answer was «of course!», in many cased they were confused as to why I would be asking such a thing as if coverage for that was pretty standard. I would then inquire if I could purchase a policy that did not include theft/​burglary coverage. Each agent said that was not possible.
I ended up getting a policy through AIS/​Mercury, which was 25% cheaper than Farmers (25% cheaper than their new quote that covered theft/​burglary) AND had much higher coverage limits! When I factor in a 15% discount I now get on my auto policy through them, my new homeowners insurance policy actually ends up cheaper than the old farmers one that didn’t include theft/​burglary.
I contacted all my friends that had become new homeowners in the recent years, I had recommended Ray Cheng and Farmers to many of them based on his competitive pricing. I then informed them of my claim being denied and my lack of coverage. My friends were shocked, and dug through their polices as well just to find out they too were not covered, nor had they been well informed during the quotation/​purchase phase.
So there you have it, my rookie mistake of not reading through the 100 pages of fine print in the declarations. But regardless, I firmly believe the way Ray Cheng offers his Farmers policies is very misleading and dishonest. Who would want to buy a home insurance policy that doesn’t protect against theft/​burglary? That is one of the main reasons you get insurance. Just as I was notified that earthquake damage would not be covered, I feel as though I should have been informed that theft/​burglary would not be covered. I believe Ray Cheng offers these deficient polices in order to be competitive with other insurance companies as Farmers policy premiums are not competitive with other companies when you compare apples to apples. They offer you a lemon plan that comes out cheaper than everyone else’s by having severe coverage deficiencies

My experience with this insurance company was pleasant until it was time for me to cancel my policy. I found better prices elsewhere and I told them that and they were unhappy. In order to cancel my policy I was told to send in a letter cancelling the policy prior to the renewal date. I sent in the letter on the 7^th and my renewal date was the 9^th. I was charged a $ 50 cancellation fee for canceling my policy prior to the date of renewal. When I called to ask why they stated that I was suppose to date my letter for the 9^th but send it in on the 7^th, and because I did not do this that the $ 50 charge still applies. I was never told to do this however they refused to waive the fee. My advise would be to stay away from this company because in the end they try to twist the story for their benefit.

Best insurance agent I have ever dealt with. Always there when I need something or have a question and even when I have forgotten to make a payment someone from the office has actually called me to remind me. They are professional and friendly.

It took me a long time to find an agency/​agent that offers the level of integrity and great service that Ray Cheng offers through his Farmers Insurance Agency.
I was involved in an accident not too long ago and Ray was quick to respond to my needs even though I called early morning — before his office hours. He was very knowledgeable and informed me of the necessary steps I should take in my claims process. I’ve had Mercury, AAA and State Farm insurance in the past, but this has been my best experience thus far!

Ray’s professionalism and responsiveness is everything you’d ask for in an agent and agency. Him and his staff go the extra mile to help you understand anything insurance related.