Kentucky Farm Bureau Insurance is the biggest casualty and property insurance company based in the state of Kentucky, insuring over 500,000 families. They have strived to provide quality protection and service to the residents of Kentucky at a reasonable cost for more than 60 years. They take pride in being located right beside their customers in each of the 120 counties in the Commonwealth of Kentucky.

Kentucky Farm Bureau Mutual Insurance Company claims to offer full service offices with qualified hometown agents that are willing to help on a personal basis. The company is highly rated, with an A+ or “superior performance” rating from the A.M. Best Company, which is the top insurance rating service. They also consistently earn the A+ Excellent rating from the property and casualty insurance industry’s leading advocate, Weiss Ratings, Inc. The mission of Weiss Ratings, Inc. is to help consumers make educated decisions on purchasing insurance by providing fair, objective ratings.

Auto Insurance from Kentucky Farm Bureau

Auto insurance is the most popular type of coverage that by Kentucky Farm Bureau Insurance offers. One focus of the auto insurance coverage they offer is to provide a variety of insurance to fit their different customers’ needs. Their agents try to tailor an automobile policy the specific needs of a particular driver, whether they drive long distances for a living or only take the car up the road to church on Sundays.

Kentucky Farm Bureau Insurance offers liability insurance along with property damage coverage policies for collision and other physical damage and they have added protection options including uninsured motorists, underinsured motorists and PIP policies. Some of the other options are medical payment coverage and reimbursement for rental and transportation expenses.

Since saving their customers money is one of the stated goals of Kentucky Farm Bureau Insurance, it’s not surprising that they offer so many potential discounts on their auto insurance. They offer discounts for good students, people who have completed a driver training course, safe drivers, multiple cars, multiple policies, people with umbrella policies from the company, and having auto safety devices like antilock brakes, airbags, and anti-theft devices. They also offer a couple of really unique discounts, like senior discounts for drivers over 55 who complete a driver safety course and the School Bus Driver Discount.

While the insurance is specifically provided for Kentucky drivers, it will go wherever those drivers are. If a driver insured by Kentucky Farm Bureau chooses to drive across the country or rent a car in Puerto Rico, they will still be covered.

Other Insurance Products

Although best known for auto insurance, Kentucky Farm Bureau Insurance does offer a variety of other property and casualty policies. They offer homeowner insurance, farm insurance, church insurance, mobile home insurance, renters insurance, commercial insurance, boat insurance, dwelling fire insurance, boat insurance, life insurance, health insurance and long term care insurance. They also offer annuities, banking services and special discount programs.

Kentucky Farm Bureau Customer Service Review

Kentucky Farm Bureau tries to offer many ways for their customers to reach them and manage their account. Regardless of if a customer is filing a claim, needs to make a policy adjustment, or has a question, they can contact the company by phone, via their website or by visiting an agent.

One primary benefit that Kentucky Farm Bureau provides for their customers is quick claims service from their professional and highly trained claims adjusters. The 16 district claims offices located all over Kentucky helps them to ensure that the response is immediate.

As an insurance company in Kentucky providing insurance for only Kentucky residents, there is a strong sense of family and community within this organization. That often translates to a more personal level of service to their customer. Other benefits they offer to customers, new and old, are instant insurance quotes and easy payment options.

Concerns

There is no getting around the fact that Kentucky Farm Bureau Insurance is a small company with a self-limiting market. While they serve their customers well and provide real value, one has to wonder how long it will be before one of the insurance giants swoops in and buys them out. In the past, there have also been concerns about their website and the level of services offered to their customers online, but they seem to be improving in that area.

There is not much negative to say about Kentucky Farm Bureau, other than the fact that they are only available in one state. They offer a variety of high quality insurance products, their prices are consistently competitive and they seem to understand and provide a high level of service for their customers. If they can avoid being bought out, they should continue to be successful for a long time.