Modified Homeowners Insurance Coverage from Kentucky Farm Bureau Insurance

Our Modified Homeowners insurance protects your home, garage, other structures and contents.

Some of the risks the Modified Form covers on a limited basis include:

  • Fire
  • Windstorm or hail
  • Riot or civil commotion
  • Aircraft
  • Smoke
  • Lightning
  • Explosion
  • Vehicles
  • Vandalism or malicious mischief
  • Volcanic Eruption
  • Theft (limited on premises) 

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.