How can you
protect one of your greatest investments - your home?
With affordable,
quality coverage from Kentucky Farm Bureau Mutual Insurance
Company.
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
of the Commonwealth. There you'll find full-service offices and qualified
agents-hometown people ready to serve you on a personal basis.
The personal
attention you receive from your Kentucky Farm Bureau agent helps you select
the protection that meets your needs. In addition to the coverage provided
by each policy, you and your Kentucky Farm Bureau agent can tailor your
policy to provide additional coverage for jewelry, coins, furs and much
more.
Special Form Homeowners Coverage
Our Special Form policy
protects your home, garage and other structures. The Special Form policy provides coverage for risk of direct physical loss for these
structures unless it is otherwise excluded. Your contents are
protected from the perils listed under the Broad Form Homeowners Coverage,
or you may choose to broaden coverage on specific
property through the Scheduled Personal Property endorsement.
Some examples of risks which 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 Homeowners
Coverage
Our Broad Form policy also protects your home, garage, other structures
and 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
- Windstorm or hail
- Riot or civil commotion
- Aircraft
- Smoke
- Lightning
- Explosion
- Vehicles
- Vandalism or malicious mischief
- Volcanic eruption
- Theft (limited on premises)
- Sudden and accidental tearing apart, cracking,
burning or bulging
- Accidental discharge or overflow of water or steam
- Sudden and
accidental damage from
artificially generated
current
- Falling objects
- Weight of ice, snow or sleet
- Freezing
Modified
Homeowners Coverage
Our Modified Homeowners insurance protects your home, garage, other
structures and contents. Some of the risks the Modified
Form covers on a
limited basis are:
- Fire
- Windstorm or hail
- Riot or civil
commotion
- Aircraft
- Smoke
- Lightning
- Explosion
- Vehicles
- Vandalism or
malicious mischief
- Volcanic
Eruption
- Theft (limited on
premises)
Apartments/Condos and Older Homes
We offer liability
and "contents" policies for apartment dwellers and condominium
unit-owners. And, for owners of older homes, we offer an insurance policy
especially designed to meet your needs.
Liability
Coverage
In addition, some claims our
liability coverage
may cover are:
- Bodily injury
- Medical payments
- Property damage
- First aid expense
Optional Coverages
Some of the optional coverages offered for an
additional cost are:
- Personal property replacement
cost
- Earthquake
- Water back-up and sump overflow
- Home day care
- Additional limits of liability
- Identity fraud expense
Additional Coverages Available
Some of the personal possessions you may purchase
protection for are:
- Jewelry
- Furs
- Guns
- Money/coins/gold
- Silverware/goldware/pewterware
- Computers
- Fine Arts
- Cameras (non-commercial)
- Golfer's equipment
- Postage stamps
- Musical instruments (non-professional)
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.)
Fast Claim Service
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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