The Right Choice

Kentucky Farm Bureau Mutual Insurance Company is rated A+, a superior performance rating awarded by the A.M. Best Company, the most respected name in insurance rating services.

In addition, we consistently earn the A+ Excellent rating from Weiss Ratings, Inc. Weiss Ratings, Inc. has been recognized as the property and casualty insurance industry's leading consumer advocate. Their mission is to provide fair, objective ratings to help professionals and consumers make educated insurance purchasing decisions.

Kentucky Farm Bureau Mutual Insurance Company is the largest property and casualty insurance company based in Kentucky and we're located where our customers are - in each and every one of the 120 counties in the Commonwealth. There you'll find full-service offices and qualified agents - hometown people ready to serve you on a personal basis.

Which of our Farmowners Policies is Right for You?

The personal attention you receive from your Kentucky Farm Bureau Agent helps you select the protection that meets your needs. In addition to the basic coverage provided by each policy, you and your Kentucky Farm Bureau Agent can tailor your policy to provide coverage to your dwelling, contents, farm equipment and farm buildings.

Special Form Farmowners Coverage

Our Special Form policy protects your dwelling by providing coverage for risk of direct physical loss unless it is otherwise excluded. Your contents are protected from the perils listed under the Broad Form Farmowners Coverage, or you may choose to broaden coverage on specific property (i.e. jewelry, furs) through the Scheduled Personal Property endorsement.

Some examples of risks that may be covered under the Special Form are:

• Wind-driven rain damage
• Paint Spills
• Countertop scorching
• Aquarium spills damaging floors

Personal property replacement cost is also available.

Broad Form Farmowners Coverage

Our Broad Form policy also protects your home and its contents. The Broad Form policy provides coverage on property that does not need all of the protection offered by the Special Form.

Some of the causes of physical damage the Broad Form policy provides coverage for are:

• Fire
• Lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Aircraft
• Smoke
• Vehicles
• Vandalism or malicious mischief
• Accidental discharge or overflow of water or steam from within a plumbing, heating or air conditioning system or domestic appliance
• Building glass breakage
• Theft or attempted theft (on/off premises)
• Falling Objects (outside dwelling)
• Weight of ice, sleet, snow
• Sudden and accidental tearing apart, bulging, cracking or burning of a heating and/or air conditioning system or water-heating appliance
• Sudden and accidental loss caused by artificially generated electrical currents
• Freezing
• Volcanic eruption

Farm Policy
(Modified Farmowners Coverage)

Some of the perils our Farm Policy (Modified Farmowners Coverage) provides coverage for are:

• Fire
• Windstorm or hail
• Riot or civil commotion
• Aircraft
• Smoke
• Lightning
• Explosion
• Vehicles
• Vandalism or malicious mischief
• Volcanic eruption

Coverages Included at No Extra Cost:

• Fire department run
• Debris removal
• Removal of property
• Emergency repairs after a loss

Liability Coverage:

In addition, some claims our liability protection may cover are:

• Bodily injury
• Medical payments
• Property damage
• First aid expense
• Incidental farm business pursuit (i.e. roadside stands)
• Limited pollution

Coverage for your Farm Equipment and Farm Buildings

When you insure your farm equipment or farm buildings, some of the perils you receive protection from are:

• Fire and lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Aircraft
• Vehicles
• Smoke
• Vandalism and malicious mischief
• Glass breakage (farm building only)
• Falling objects
• Theft or attempted theft
• Overturn or collision (farm equipment only)

Some of the optional coverages offered for an additional cost are:

• Named persons medical
• Farm employee loss of wages
• Farm employee liability

Additional Coverages available by Endorsement

Some additional risks you may purchase coverage for are:

• Water back-up and sump overflow
• Jewelry
• Earthquake
• Additional animal perils
• Farm equipment glass coverage
• Business pursuits
• All terrain vehicles
• Identity fraud expense
• Equine business liability

Kentucky Farm Bureau Insurance Discounts

Some of the discounts we offer to qualified policyholders include:

• Multi-policy discount (in which both home and vehicle(s) are insured)
• Dwelling age discount
• Protection device discount (for deadbolt locks, smoke alarms, fire extinguishers, security alarm systems, sprinkler systems, etc.)

 We have adjusters throughout Kentucky so when you call for help, you can expect your claim to be handled quickly and efficiently.

Contact your Kentucky Farm Bureau Insurance agent for more details about policy coverages and availability. No matter where you are in Kentucky, there's an agent near you. Or, visit us on the web at www.kyfb.com.

Representations contained in this web page are for illustration purposes only. Coverage availability is subject to eligibility and other qualifications. Please consult your policy for actual contract coverage and exclusions.
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