Tens of millions of Facebook users play FarmVille, a real-time farm simulation game where users build virtual farms, taking care of crops and animals while interacting with friends. Soon Farmers Insurance Group will take advantage of this trend by offering these make-believe “farmers” free protection against the devastation of virtual crop loss.

This is just the beginning of how insurance companies are tapping social media websites like Facebook, Twitter, LinkedIn and YouTube to develop brand awareness and gather feedback from customers.

“Right now I'd say insurers are in the crawl stage,” said Kevin Kraft, a managing director for consulting firm Accenture. “They are thinking about getting friends online and asking, 'How do I get them to think about me? How do I establish an emotional connection?'”

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