Special Form Homeowners Insurance Coverage from Kentucky Farm Bureau Insurance

The Special Form Policy provides coverage for risk of direct physical loss of your home, garage and additional structures. The Special Form Policy protects your contents from the perils listed under the Broad Form Homeowners coverage and adds additional coverages (some of which are noted below). You may choose to broaden coverage on specific property even further through the Scheduled Personal Property endorsement.

Some examples of risks which 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.

Frozen pipe prevention 101
Frozen pipe prevention 101

Frozen water can wreak havoc on metal or plastic pipes, no matter their strength. According to the Insurance Institute for Business and Home Safety, a 1/8th inch crack in a pipe can spew up to 250 gallons of water a day!

Repair fraud prevention checklist
Repair fraud prevention checklist

Homeowners impacted by strong storms may find themselves in need of contractors to repair damaged homes or clean up fallen debris. When major storms hit, it is not unusual for “storm chasing” contractors to arrive on the scene looking for work. Hiring these contractors can be risky.