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.

Look before you lock: Six tips to prevent child and pet heatstroke
Look before you lock: Six tips to prevent child and pet heatstroke

In 2020, 24 children across the United States died from heatstroke in unattended cars.

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.