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.

Trees, leaves and debris: Your gutters' worst enemies
Trees, leaves and debris: Your gutters' worst enemies

The soft leaves, pine needles, saplings and debris in your gutters are perfect home-building materials for invasive critters such as squirrels, possums, birds and cockroaches.

9 tips for avoiding a deer collision this fall
9 tips for avoiding a deer collision this fall

Each year, the native white-tailed deer species is the cause of 150 human deaths and 1.5 million vehicle collisions nationally, according to the Insurance Institute for Highway Safety.