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.

Why should you recycle your used tires?
Why should you recycle your used tires?

Tires were built to be indestructible. While that’s great for your vehicle, it’s bad news for the Earth. So what exactly happens to our tires once we're done with them?

Winterizing your warm weather wheels
Winterizing your warm weather wheels

One of the biggest mistakes people make when storing a vehicle for the winter is leaving the fuel gauge at its current level. Gasoline can go bad over the course of the season and cause damage that far exceeds the bill for a new tank of fuel.