Special Form Farmowners Coverage

Our Special Form policy provides coverage for risk of direct physical loss of your dwelling unless it is otherwise excluded. Your contents are protected from the perils listed under the Broad Form Farmowners coverage. 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 include:

  • Wind-driven rain damage
  • Paint spills
  • Counter top scorching
  • Aquarium spills damaging floors

Personal property replacement cost is also available.

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

Life's Blueprints: A KFB Insurance Blog

Information that will help keep you and your loved ones safe and savvy – whether you’re on the road or in your old Kentucky home.

Hot topic: Fire safety is always in season
Hot topic: Fire safety is always in season

According to the U.S. Fire Administration, 66 Kentuckians died in home fires in 2020. KFB Insurance encourages Kentuckians to take a few extra precautions to keep themselves, their loved ones, and their property safe from home and farm fires.

The mow you know: Six essential tips for grass cutting season
The mow you know: Six essential tips for grass cutting season

According to the Insurance Information Institute (III), approximately 75,000 people are seriously injured each year when mowing their lawn.