Kentucky Farm Bureau Car Insurance Review [2020]

Kentucky Farm Bureau car insurance discounts include offers for (1) multiple policies, (2) young dwelling age, and (3) protection devices.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 19, 2020

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Company Details
Address: 9201 Bunsen Parkway
City: Louisville
State: KY
ZIP Code: 40220-3792
Phone Number: 502-495-5000
Year Founded: 1919
AM Best Rating: A (Excellent)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Kentucky Farm Bureau offers insurance to farmers and non-farmers alike
  • They have specialty policies that are appropriate for a farmer’s needs
  • Kentucky Farm Bureau offers many discounts

Kentucky Farm Bureau Car Insurance began as an insurance company for local Kentucky farmers who needed assistance. By pooling resources together, more farmers could save money and receive bigger discounts.

The company has since grown to include thousands of members, farmer and non-farmer alike. The company has offices in all 120 counties in the state of Kentucky.

Just enter your ZIP code in the FREE box at the top of this page to receive online car insurance rates from several top companies.

Although Kentucky Farm Bureau still provides insurance coverage to farmers, it also offers:

  • auto insurance
  • home insurance
  • business insurance
  • church insurance
  • commercial insurance
  • mobile home insurance
  • dwelling fire coverage
  • boat insurance
  • renters insurance
  • life insurance
  • annuities
  • long-term care insurance
  • health insurance

Why Farm Insurance Is Different

Farm insurance must be specialized because of the many dynamics involved. When a farmer loses his farm, for whatever reason, his home is often lost as well. This is one reason why having the right coverage is so important.

Also, when a farmer loses crops, though insurance can provide the money for the lost crops, it takes time to re-grow them. Therefore, insurance money must cover the gap in time that it takes for another growing season.

A farmer’s equipment is also very expensive, often highly specialized, and costly to repair. For this reason, a separate farm equipment policy needs to be purchased.

Farm buildings often hold thousands of dollars worth of products, animals, or equipment. They must be protected under a separate farm buildings policy as well.

Since different farms specialize in different aspects of the farming industry, additional coverage is recommended.

Some of the additional types of coverage offered by Kentucky Farm Bureau are:

  • water back-up and sump overflow
  • jewelry
  • earthquake
  • animal perils
  • farm equipment glass coverage
  • business pursuits
  • all terrain vehicles
  • identity fraud expense
  • equine business liability

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Farm and Auto Discounts Offered by Kentucky Farm Bureau

Kentucky Farm Bureau has three specific discounts that are offered to its farmer clients.

  • A multi-policy discount – In order for this discount to be applied, at least one home policy and one vehicle policy must be included on the multi-policy. Combining policies with one company not only saves money, it is also convenient.
  • A dwelling age discount – This is for individuals who have a dwelling that was built within a specified time frame. Newer homes or buildings are easier to repair and replacement parts are easier to find.
  • A protection device discount – A protection device can be a deadbolt lock, a smoke alarm, a fire extinguisher, a security alarm system, or a sprinkler system, or some combination of any of them.

Kentucky Farm Bureau also provides discounts on its auto insurance policies. Many of the discounts are standard coverage discounts such as:

  • a good student discount
  • driver’s training discount
  • safe driver discount
  • senior operator accident prevention discount
  • auto safety device discount
  • multi-car discount
  • umbrella discount

The two discounts that are not standard are the school bus driver discount and the active property discount.

The school bus driver discount is for certified school bus drivers who carry their personal auto insurance with Kentucky Farm Bureau and the active property discount is for those who have any type of property coverage with the company.

Property Coverage Discounts

No matter what type of property coverage you have, the chances are good that Kentucky Farm Bureau can provide you with a discount.

As stated above, if you have property coverage and auto insurance, you will receive a multi-policy discount. An umbrella discount is available for anyone who has an umbrella policy and a property policy.

Also, clients who do not file any claims during a calendar year are eligible for a discount. The newer a home is, the bigger the discount on property insurance. Newer homes are considered safer homes.

Discounts are also given to families who choose to not have certain liability issues, such as trampolines or fireplaces.

One of the best ways to find discounts on property insurance or any kind of insurance is to shop around. Comparing rates and quotes online is a good place to start.

When comparing rates and quotes you can also look up the financial stability of insurance companies from rating companies such as Standard and Poors and A.M. Best Company. Shopping around can save you time and money and ensure that you are getting the best deal.

Just enter your ZIP code in the FREE box at the bottom of this page to receive online car insurance rates from several top companies.

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