Insurance Protection for You and Your Family
How can you protect your greatest investments - your personal
property and condominium unit? 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., an organization 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.
Which of Our Homeowner's
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 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.
Policy Coverages
If you live in an apartment,
your insurance policy protects your personal property. If you own your condominium,
your policy offers personal property coverage, as well as coverage for your condo
unit. If you have a covered loss, we also provide coverage for certain increased living
expenses. Kentucky Farm Bureau Insurance protects your property against physical damage
caused by:
- Fire
- Windstorm or hail
- Riot or civil commotion
- Aircraft
- Smoke
- Lightning
- Explosion
- Vehicles
- Vandalism or malicious mischief
- Volcanic eruption
- Theft (limited on premises)
- Sudden or accidental tearing apart, cracking, burning or bulging
- Accidental discharge or overflow of water or steam
- Sudden and accidental damage from artificially generated electrical
current
- Falling objects
- Weights of ice, snow or sleet
- Freezing
- Limited glass breakage
In addition, some claims our liability protection may cover are:
- Bodily injury
- Medical payments
- Property damage
- First aid expense
These valuable features, and
other additional coverages such as fire department service charge, debris removal,
credit card forgery, and damage to trees, shrubs, and other plants, make Farm Bureau's
policy a necessary part of owning property.
Optional
Coverages
Some of the optional coverages offered for an additional cost are:
- Personal property replacement cost
- Earthquake
- Home day care
- 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)
- Newer condominium discount
- Protection device discount (for
deadbolt locks, smoke alarms, fire extinguishers, security alarm systems,
sprinkler systems, etc.)
Fast Claims Service
We have adjusters throughout Kentucky so when
you call for help, you can expect your claim to be handled quickly and
efficiently.
Be Sure with Kentucky Farm Bureau Insurance
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.
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. AD-31 (06/08)
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