Homeowners Insurance

homeowners insurance

Your "Old Kentucky Home" is one of your greatest investments. Join the more than 325,000 Kentuckians who protect their home with an insurance company based right here in the Bluegrass State. Our agents are hometown people delivering honest answers, good advice, and quality customer service from within your community. We have adjusters throughout Kentucky. When you file a claim, you can expect it to be handled quickly and efficiently by a local claims office.

Contact your local agent for more details about policy coverages and availability. No matter where you live in Kentucky, there's a local agent near you.

Coverage Options

No two homes are exactly alike, so no two policies should be either. Your local Kentucky Farm Bureau Insurance agent will help you select the protection that meets your needs. You can even tailor your policy to provide additional coverage for those extra special valuables, like jewelry, musical equipment, or computers.

Property coverages

  • Dwelling
  • Other structures
  • Personal property
  • Loss of use

Liability coverages

  • Bodily injury
  • Medical payments
  • Property damage

Optional coverages

  • Personal property replacement cost
  • Earthquake
  • Water back-up and sump overflow
  • Home day care
  • Additional limits of liability
  • Identity fraud expense  

Additional coverages for personal possessions available

  • Jewelry
  • Furs
  • Firearms
  • Money/coins/gold
  • Silverware/goldware/pewterware
  • Computers
  • Fine Arts
  • Cameras (non-commercial)
  • Golfer's equipment
  • Postage stamps
  • Musical instruments (non-professional)
    * Speak with a local agent if you wish to insure an item you don't see listed above

Renters Insurance

Your landlord's policy does not protect your personal property (like electronics, furniture, and clothing). If you live in an apartment or rental home, a renter's 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 helps protect 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
  • 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 coverage may cover include:

  • Bodily injury
  • Medical payments
  • Property damage

Coverage availability is subject to eligibility and other qualifications. Please consult your policy for actual contract coverage and exclusions. 

Ways to Save On Homeowners Insurance

Check out a brief description of some of our discounts below. If you're interested in learning more, chat with your local agent for specific rules and eligibilities.

Active automobile policy discount 
If you have an active automobile policy with us, you are qualified for up to a 20% reduction in your annual premium.

Dwelling age discount
If you live in a newly constructed home, you may be eligible for a discounted premium.

Protective devices discount
We'd be happy to reward you for safety enhancements made to your property, such as deadbolt locks, smoke alarms, fire extinguishers, security alarms systems, sprinkler systems, and more.

Dwelling roof discount
This discount applies when you have a newer roof on your home.

"Property Plus" discount
We love to reward good members! Claim-free members and/or those with a qualifying insurance score may be eligible for a discount.

About Kentucky Farm Bureau Insurance

Kentucky Farm Bureau Insurance has been serving families of the Bluegrass since 1943. We are the largest property and casualty insurance company in Kentucky. We're located where our customers are — in each and every one of the 120 counties in the Commonwealth. Tired of dealing with a computer or answering service? We're hometown people ready to serve you on a personal basis.

Kentucky Farm Bureau Insurance is rated A (excellent), one of the highest ratings awarded by the A.M. Best Company, the most respected name in insurance rating services. In addition, we are currently rated an A+ with the Better Business Bureau (BBB). BBB ratings are based on 13 trust-related factors, including fair and appropriate handling of any customer complaints filed with BBB, business stability as represented by numerous years of business, and compliance with BBB’s Standards of Trust.

 

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What to do if you experience property damage or a loss

If you have experienced property damage or a loss, click here for instructions on what to do next. 

For answers to frequently asked questions regarding homeowners claims, click here. 

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