Coverage Options
Property coverage
- Mobile home
- Other buildings
- Personal property
- Additional living expense
Liability coverage
- Bodily injury
- Property damage
- Medical payments
- Damage to property of others
Some of the causes of physical damage the policy provides coverage for are:
- Fire or lightning
- Windstorm or hail
- Explosion
- Riot or civil commotion
- Flood
- Aircraft
- Theft
- Falling objects
- Weight of ice, snow, or sleet
- Accidental discharge or overflow of water from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance
- Breakage of glass
Your Kentucky Farm Bureau insurance also provides limited coverage for fire department service charges for your property. If you find it necessary to move your mobile home to protect it from damage by fire or another covered peril, we provide limited coverage for the cost of the move.
Protection is also available for:
- Private garage
- Storage buildings
- Room additions
- Porches
- Awnings
- Window air conditioners
Additional protection is available for your belongings, including:
- Jewelry
- Furs
- Firearms
- Money/coins/gold
- Silverware/goldware/pewterware
- Computers
- Fine arts
- Cameras (non-commercial)
- Golfer's equipment
- Postage stamps
- Musical instruments (non-professional)
Optional coverages
- Teacher's liability
- Liability and physical damage coverages for all-terrain vehicles
- Vendor's single interest
- Replacement cost loss settlement on the mobile home for the first 5 years from the date of manufacture
- Sudden and accidental tearing apart, cracking, burning or bulging peril and freezing peril
- Water back-up and sump overflow
- Identity-fraud expense coverage
- Earthquake
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.
- Hot topic: Fire safety is always in season
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According to the U.S. Fire Administration, 49 Kentuckians died in home fires in 2022. 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.
- 9 tips for avoiding a deer collision this fall
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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.