Comprehensive Guide to Kentucky Farm Bureau Homeowners Insurance

If you’re a homeowner in Kentucky, protecting your most valuable asset should be a top priority. Kentucky Farm Bureau (KFB) has been providing homeowners insurance to families in the Bluegrass State since 1943, offering tailored coverage options to safeguard your home and belongings. In this comprehensive guide, we’ll explore the features, benefits, and discounts available with KFB homeowners insurance.

Protection for Your Home and Personal Belongings

KFB homeowners insurance policies are designed to provide comprehensive coverage for your dwelling, other structures on your property, personal belongings, and liability protection. Here’s a breakdown of the core coverages:

Property Coverages

  • Dwelling: Covers the physical structure of your home in case of damage caused by covered perils such as fire, windstorm, hail, or theft.
  • Other Structures: Protects detached structures like garages, sheds, or fences on your property.
  • Personal Property: Safeguards your personal belongings, including furniture, electronics, and clothing, against covered losses.
  • Loss of Use: Provides coverage for additional living expenses if you need to temporarily relocate due to an insured event that makes your home uninhabitable.

Liability Coverages

  • Bodily Injury: Helps cover medical expenses and legal fees if someone is injured on your property due to your negligence.
  • Medical Payments: Pays for reasonable medical expenses if someone is accidentally injured on your property, regardless of fault.
  • Property Damage: Covers the cost of repairing or replacing someone else’s property that you accidentally damage.

Optional Coverages

KFB offers a wide range of optional coverages to customize your policy according to your specific needs and valuables. These include:

  • Personal Property Replacement Cost: Ensures that your personal belongings are replaced with new items of similar kind and quality, rather than paying the depreciated value.
  • Earthquake: Provides protection against earthquake-related damage, which is typically excluded from standard homeowners policies.
  • Water Back-up and Sump Overflow: Covers damage caused by water backing up from sewers or drains or overflowing from a sump pump.
  • Home Day Care: Extends liability coverage if you operate a licensed home day care business.
  • Additional Limits of Liability: Increases the liability limits for bodily injury and property damage beyond the standard policy limits.
  • Identity Fraud Expense: Helps cover the costs associated with restoring your identity if you become a victim of identity theft.

Additional Coverages for Personal Possessions

KFB recognizes that some of your personal possessions may have higher values or sentimental worth. For an additional premium, you can add extra coverage for items like:

  • Jewelry
  • Furs
  • Firearms
  • Money, coins, and gold
  • Silverware, goldware, and pewterware
  • Computers
  • Fine arts
  • Non-commercial cameras
  • Golfer’s equipment
  • Postage stamps
  • Non-professional musical instruments

If you have valuable items not listed above, consult with your local KFB agent to ensure they are properly covered.

Renters Insurance

For those who rent an apartment or home, KFB also offers renters insurance policies. Your landlord’s insurance typically only covers the physical structure, leaving your personal belongings unprotected. A renters insurance policy from KFB can provide coverage for your personal property, as well as liability protection and additional living expenses in case of a covered loss.

Ways to Save on Homeowners Insurance

KFB understands the importance of affordability and offers various discounts to help you save on your homeowners insurance premium. Here are some of the available discounts:

  • Active Automobile Policy Discount: If you have an active auto insurance policy with KFB, you may be eligible for up to a 20% discount on your homeowners insurance premium.
  • Dwelling Age Discount: If you live in a newly constructed home, you could qualify for a discounted premium.
  • Protective Devices Discount: KFB rewards safety enhancements made to your property, such as deadbolt locks, smoke alarms, fire extinguishers, security alarm systems, and sprinkler systems.
  • Dwelling Roof Discount: This discount applies if you have a newer roof on your home.
  • “Property Plus” Discount: Claim-free members and those with a qualifying insurance score may be eligible for a discount.

What to Do If You Experience Property Damage or a Loss

In the event of property damage or a loss, KFB has streamlined the claims process to ensure your claim is handled quickly and efficiently. If you need to file a claim, follow these steps:

  1. Take immediate action to prevent further damage or loss, if possible.
  2. Report the claim to your local KFB agent or the claims department as soon as possible.
  3. Provide details about the incident, including the date, time, location, and any relevant information.
  4. Document the damage or loss with photographs or videos.
  5. Cooperate fully with the claims adjuster assigned to your case.

KFB has local claims offices throughout Kentucky, ensuring that your claim is handled by professionals familiar with your community.

About Kentucky Farm Bureau Insurance

Kentucky Farm Bureau Insurance is the largest property and casualty insurance company in Kentucky, serving families across the Commonwealth’s 120 counties. With a rating of A (Excellent) from A.M. Best Company and an A+ rating from the Better Business Bureau, KFB Insurance is a trusted and reputable provider.

One of the key advantages of choosing KFB is their local presence. With agents and adjusters in every county, you can expect personalized service from professionals who understand the unique needs of your community.

Protect Your Home with Kentucky Farm Bureau

Safeguarding your home and belongings is essential, and Kentucky Farm Bureau offers comprehensive homeowners insurance solutions tailored to your specific needs. With a wide range of coverage options, discounts, and local expertise, KFB provides peace of mind and reliable protection for your most valuable assets.

Contact your local KFB agent today to learn more about their homeowners insurance policies and explore the best coverage options for your home and family.

Employee Testimonials | Kentucky Farm Bureau Insurance


What is the average cost of home insurance in Kentucky?

The average cost of homeowners insurance in Kentucky is $2,565 per year, or $214 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in the Bluegrass State is $811 more expensive than the national average per year.

How does Kentucky Farm Bureau pay claims?

If you have a $500 deductible, generally you will be responsible for the first $500 of any claim for your property that you file and then Kentucky Farm Bureau Insurance will pay the remainder. You choose the deductible on your policy when you purchase insurance.

Is home insurance mandatory in Kentucky?

Kentucky doesn’t require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy’s coverages are designed to safeguard your property and assets.

What is the Kentucky Farm Bureau Federation?

Kentucky Farm Bureau is a grassroots organization dedicated to serving our membership family and their communities. As the Voice of Agriculture, we identify problems, develop solutions, promote economic success, and enhance the quality of life for all.

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