Coverage Options

Kentucky Farm Bureau Insurance's Personal & Farm Umbrella Liability Policy is designed to provide additional liability coverage over and above your underlying liability policies. An umbrella policy provides extra protection over such policies as your auto, homeowner, or farmowner policy.

Available umbrella limits

  • Additional liability coverage - $1 million up to $10 million
  • Additional uninsured motorists coverage – available by endorsement - $1 million up to $3 million
  • Additional underinsured motorists coverage – available by endorsement - $1 million up to $3 million

Common underlying policies or exposures

  • Personal auto
  • Farm auto
  • Motorcycle
  • Recreational motor vehicles (golf carts, ATVs, snowmobiles, etc.)
  • Motorhomes
  • Watercraft
  • Teacher's liability

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.

Avoid 'fowl' play with these Thanksgiving cooking tips
Avoid 'fowl' play with these Thanksgiving cooking tips

Thanksgiving is the peak day for home cooking fires. In 2015, U.S. fire departments responded to more than 1,700 on that day alone.

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 in as little as 60 days and cause damage that far exceeds the bill for a new tank of fuel.