Farm Bureau Homeowners Reviews

My family has been Farm Bureau members for Years. So reached out and spoke with a Mechelle "Shelly" ** on 5/12/2026. She sent me a questionnaire at 2:56 on that day. I responded to with answers that day. They asked for a detailed list of my insurance needs, which I gave them. I was told that Matt ** would put the quote together. They called with a few other questions. Which I answered. Never received a quote. Two other insurance companies got back to me within 48 hours with their numbers. I called back to give them one more chance. Spoke with Tom, he said, "I'll call you back after I speak with Matt." After 5 hours I called back to be told they couldn't find my information! I had been going back and forth for 2 weeks! They are either liars or incompetent! Don't waste your time!!

Have been with FB for a number of years. At first, no issues with them. Now if feels like they are arbitrarily raising premiums on the various coverages I have with them. I'm also just annoyed that I have to pay a membership fee for both me and my sons in order to do business with them. I'm getting "nickeled and dimed". The costs are starting to add up to an amount that I'm not comfortable with. Seems like I'm getting some letter every month that either costs money or asks what mileage I've put on my vehicle or telling me some part of the contract I signed with them is being altered. I would strongly not recommend this company.

HVAC unit failed in mid-December and it was a total loss. HVAC technician and inspector sent by Farm Bureau determined power surge resulting in compressor and motherboard failure. I got 3 quotes ranging from $7500-$14,000. The Farm Bureau inspector determined that the unit could be replaced for $2700-2900 (parts and installation) so they sent me a check for $1900 since I had a $1000 deductible. Too bad they didn't offer to hook me up with that HVAC installer! They aren't dealing in reality. This is my 6th home and my first time ever insuring with Farm Bureau. NEVER AGAIN!!!!

My brother was looking to save money on his auto and our homeowners insurance. He checked with State Farm Forrest City AR and saved 7000.00 dollars for both over the year by switching. Don't bother with Farm Bureau unless you want to be price gouged and when you have a claim they really don't care as long as they keep getting their money. Worst insurance company ever. Do yourself a favor keep looking.

My father had an IRA through them. When he passed away, I was the beneficiary and reached out to them to roll it over. It took me over four months to receive my money and be able to roll the IRA over to another fund. This company is incompetent and I suspect them to be fraudulent. They take your money and then do not release it when requested. All I received from them was evasion and warnings that they were going to withhold part of the money. They are unprincipled and deserve to be shut down. I have reported them to the State of Michigan for their unprofessional conduct and withholding money that is not theirs. Please do not conduct any business with this company. They are dishonest and liars.

I have had to make two homeowners claims and multiple vehicle claims the past couple of years. Every time I get excellent service and it is quick. Recently I had a storm cause $30,000+ in damages to my vehicles and home. I received checks in the mail before the end of the week while all of my neighbors were still fighting with their insurance companies. No hassle and the adjustors were more than reasonable on the payout.

Increase in premiums was unexpected. Had to increase deductible to be able to afford policy. I have multiple policies with Farm Bureau. The Farm Bureau website is antiquated and not user-friendly. You can only look up two past policy premiums, even after downloading the CSV file. The agent also tried her own policy and achieved the same result. Website does not allow for partial payments. Website is slow, even with the adorable little tractor rolling along as you wait for pages to load. I am sure Farm Bureau can afford to update their system to a modern-day app and hopefully soon.

Farm Bureau Andy Kaplan, la 70548 never calls back and doesn’t answer any emails. Connie the one who takes the messages makes you answer all kinds of questions to why you are calling and always says she will give the message to Andy. However, Andy never calls back. I constantly call back always Connie answering gives same story even though I tell her I haven’t gotten a call back. Anytime I had a car insurance question or need help I have to call the Abbeville office then the person ask why I haven’t called the Kaplan office so I tell her the agent never calls back. For home owners insurance the Abbeville office wants me to take to the Kaplan office but she doesn’t call me back. I wouldn’t recommend this company at all. I would recommend a 0 star if I could. I have been with the, for years.

Farm Bureau has a great discount for Homeowners’ insurance. However, they will never pay out a claim. And, what’s worse: they will treat like absolute garbage when you have a calamity. When signing up for the policy, our agent: Jeff ** from Clearlake, Iowa, was very personable and friendly. We felt “cared for” and trusted the company.

Chase ** Field Adjuster with North Carolina Farm Bureau Mutual Insurance Company has completely treated us like we are dirt. He has set my family back so far with storm damages that we were told is covered in our policies but expect us to pay nearly half the price to help pay the fix was supposed to be fully covered. There’s nothing in our insurance policy that says that. He acts like we’re criminals trying to get money when the cheapest that I can find anyone and he cannot recommend anyone to do it any cheaper as close to $6000. He said that he gave me more than what it should cost to fix it at around $2800. He doesn’t care about the many quotes we have got from multiple companies.

I had been a loyal customer of Farm Bureau, but their recent rate hikes and questionable policy decisions forced me to cancel all my insurance with them. My monthly premium jumped from $390 to $695, an unacceptable increase with no clear justification. To make matters worse, they threatened to drop my Pine, AZ cabin simply because I no longer had a primary property insured. Eventually, they agreed to keep it covered—but only with an astronomically high $50,000 deductible and an $896 annual premium. Given that my cabin is just 660 sq. ft., the rebuilding cost may not even justify these extreme terms. Farm Bureau’s approach has been disappointing, pricing out loyal customers and making coverage unaffordable for those in high-risk areas. I would not recommend their services to anyone seeking reasonable and transparent insurance policies.

Currently in midst of state of emergency as declared by governor in Northern Michigan. Multiple trees coated with .75” of ice and were actively falling around me; entry and exit blocked and unable to get cars out. Gathered essential medical items and clothes and went to stay with family 2 hours away. Started claim process this morning not knowing how long this is going to last. Got a call back and the person from Farm Bureau was offensive and totally focused on what they were not responsible, but did ask “well since you don’t have power what are you doing to keep your pipes from freezing” and then telling me that because I don’t have power, water, heat etc and regadless of the danger is not their problem that I can’t stay there. After this I will be changing insurance companies.

Won't bore with the reader with the details. I've read several reviews that state that the insurance company continuously increases premiums and never pays. I'd say that has been exactly my experience. Premiums went from $800 to $2550 in 4 years. A good company if you never intend to file a claim.

Hail damage to my roof. FB sends a structural engineer to inspect roof - overkill. Will not cover damage. Only 2 houses in 30 house subdivision refused coverage were both Farm Bureau. I guess good insurance if you never have a claim.

Georgia Farm Bureau in Habersham County Ga. is a Insurance Company you might want to avoid by all means. We recently shopped for competing Homeowners Insurance Rates with Allstate Insurance. After talking with the Allstate Agent, we discovered that someone in the Georgia Farm Bureau Office in Habersham County Georgia had filed a Insurance Claim against our Policy to pay for a Roof Inspection done by one of their employees (Chase **). Although I filed a claim to get a new roof, I was denied. A week or 10 days later I received a notification that I needed to repair or replace my roof, to which I had already been denied. So, imagine my surprise when the Allstate agent told me a claim had been paid on my denied claim. Unethical, unprofessional & totally unacceptable.

I had tornado damage to my roof with shingles blown off, hail damage and they refused to fix it right. Just a partial repair so now my house will look like total crap unless I pay the remaining which is 10,000 to 13,000 dollars. They also took 40 days to pay they amount they agreed to. Tennessee is a match state which means they have to match existing shingles which the rooking company could not. Farm Bureau said they don't care.

During the worst time in my life losing my fiancee, Farm Bureau denied the Insurance that was to pay off mortgage yet, the ex-wife's loan was paid off. The agent put my signature for auto insurance renewal on the Homeowners insurance in February 2022. When I hadn't talked to them about the Homeowners insurance until September 2022. Then dropped the insurance due to change of occupancy but I'm the heir and the paperwork says that as long as an heir but they wanted to get rid of me thinking it would keep me from finding out the truth. I'll be filing a lawsuit!!! Crooked Company!!

Very poor service from Benton Louisiana. Rarely could speak to agent. More than 20% Average yearly rate increases on my policy from 2015 Through 2023. Billed escrow at bank several weeks before I received a statement. After cancelling home policy a month prior to renewal date my escrow account was still billed and paid by Regions Bank. 2021 rate was $1300. 2022 @ $1700 and 2023 @$2550.

With this company I have nothing but trouble getting them to be honest and pay up on my roof claim for hail damage. Adjuster Eric and his boss Wes have undershot estimates and show little knowledge of the product they are responsible for replacing. Many calls and useless phone calls and still they insist on giving me the run around. If you want an insurance that will protect your property and not their bottom line go somewhere besides Farm Bureau! I will.

Storm 1/16/22 in Georgia blew down a partial part of my fence and caused water damage in my kitchen. Farm Bureau wants to charge 2 separate claims and deductibles, ($1,000 each). They had someone to come out and state that he didn't see a leak in roof but wasn't sure. Claims agent stated that it might be from pipes and said it could be maintenance from wear and tear but couldn't be sure. Well how do I find out? He said call a plumber yet couldn't suggest one because they don't employ any and have none for referral. Also stated that they don't reimburse for a plumber's charge to see what the problem is. This makes absolutely no sense. WHY DO I PAY FOR HOMEOWNERS INSURANCE if I'm not getting any help. How can you decide on a claim when you have not accessed the problem. Isn't this your job?

Hello I would not recommend this company to anyone. We had a house fire in Dec 2019. Almost 2 years later still no home completed. Still fighting company because they don't want to pay the rest. We have 6 kids. They stop paying our rent in Jan 2021. Covid came in could not build or do work. Wood prices increase. No help. Builders could not work for over three months. No time added on for rent knowing we could not work. Always on time with payments for them. They were and still not there when we needed them.

I have been a customer of Farm Bureau for approximately 15 and 1/2 years. In that time I have had zero claims. I've also had zero contact from the first person who was my agent. When farm bureau sent me a survey wanting to know how my contact with that first agent was I was completely honest. I said I've never spoken to him. This of course infuriated him and my guess is he put in some nasty little comments about me. After that he claimed in a very rude email that I still have no one wanted to deal with me. All I said was the truth. I've never spoken to the man. Well after some more bad experiences with their customer service they transferred to me to an agent that is in the same town I am in. My experience with him has been almost as bad as the first guy. I emailed letting them know that I had gotten a quote from another large national insurance company that was $250 a year less than their company. That's a pretty significant savings for me.

Farm Bureau Insurance Central Florida, Purchased Home Owners Insurance in March of 2014, Great Agency, no problems until September 2020 when my mortgage company informed me that our Home Owners Policy had expired!!! Notified my agent & read letter sent. He checked policy & said that since I changed Primary coverage on our house to Secondary it was dropped as they only cover primary? (Reason changed is that my wife passed away & I would be going back and forth instead of staying full time + Covid19 conditions in Florida.) No notification, No letters, No phone calls ahead of this Mortgage Company Letter! So until then & had no problems?

The folks at Farm Bureau are friendly, helpful, and sincerely concerned with taking care of their customers. They prioritize service to the most severely impacted when necessary. For example, after a major storm when inspectors were spread thin, they took care of people who were out of their homes before inspecting my damaged outbuilding. I really appreciated that because if my home had been damaged I would want the process to go as fast as possible. The agent listened, was understanding, and offered good advice. Farm Bureau has always come through for me.

I just found out that Farm Bureau has overcharged me for 15 years. I submitted the square footage and price of my home when I purchased it for them to cover it with Home Owners insurance. They inflated my square feet from 1320 to 1800 and then use the square footage to plug into a program to determine the total coverage they put on the policy.

All these years and y'all haven't done nothing extra for your customers. House insurance would not pay for heater fire accept 800$ 500$ was deductible! Our life is worth more than that. We replaced it ourselves. Roof no help! There, gonna miss match! Lady hit me in a parking lot! I got 3 insurance points and she was on a cell and told us it happened to her at the Olive Garden...a little suspicious to me. We got screwed! Now you send my regular high bill and everybody else giving discounts in this horrific time! SHAME ON YOU! Oh yea and others with your insurance gets checks for anything. Sick!

Do not waste your money and buy their Home Insurance. It is crap. I cannot believe they are an A+ company when I see all of the 1 star reviews. I had them for over 15 years and filed a claim and it was denied.

Avoid this insurance unless you enjoy paying increased premiums every year. When I asked they claimed I was getting a better deal, that other companies would charge me more. After 3 increases my premiums were double than when I first started. I stopped believing their lies and went directly to another insurance which quoted me a premium of about 70% less. I switched and now am trying to get my prepaid annual premium back from them. They claimed it was sent directly to my bank but my bank claims it should have been sent directly to me. When I call Farm Bureau they say "I have someone in my office I have to hang up".

I got insurance from these guys for my apt. I canceled on the SAME DAY! I still get charged and I got refunded $74 dollars less than they took from me. They didn't refund me right away because I they wanted to see if I was going with someone else and they can compare coverage. They don't need that because I had canceled when I signed, it didnt come into effect until weeks later. Called customer service and they said my account was activated for 6 days and I got charged $74 dollars! You kidding me? If I could rate you a 0 I would.

This company is unbelievable. My sister caused a problem at the Union City, TN office because she was mad at my Mother and they cancelled all her insurance without any written notice. Wish I could sue them. I became her POA in January and we received NO written or verbal communication they just stopped taking her monthly payments out of her checking account. What is even worse Mom is in the nursing home and I found out Friday they had cancelled her supplemental Medicare insurance. No notice I was told by the nursing home.

We expected our insurance company to protect us or represent us from a frivolous trespass claim with a slightly senile neighbor. Claim and representation was denied even though we have $1 million umbrella policy. We had to hire our own attorney. Then when our yacht moored in Lake Ponderay suffered engine room damage in spite of our best efforts to prevent freeze damage we were denied again with an agent who could care less about covering our loss and using an exclusion in our policy that essentially renders our boat insurance worthless and probably best we didn't suffer a total loss on the boat as it would not have been covered either… In short after two claims, both of which were denied and would've been covered by any other insurance I am spending my $4000 a year in policy coverage anywhere else! As far as I'm concerned, this insurance company is good only until you file a claim and then they have proved worthless…

We have been with Farm Bureau since we bought our home in 2014. We didn't filed a claim until this year when a pipe burst under our home and caused water damage to the subflooring causing a huge weak spot on our floor in the kitchen. The linoleum flooring is the only thing keeping people from falling through. We filed a claim, we were low balled and sent a check for less than half of what it would cost to repair. We filed a supplemental claim and was told we would not be charged an additional deductible since it was a supplemental claim attached to the initial claim.

I didn’t think a company could disappoint me more than Comcast. I should have looked up reviews for Farm Bureau before purchasing my home, car and life insurance policies with them. They denied my roof claim two years ago. I had to come up with $10,000 to fix the roof and damage inside. I guess “it wasn’t storm damage” so it wasn’t covered. Today, I was informed that my basement flooding wasn’t covered. If a pipe burst and flooded it though, it would be. Favorite quote of the day (it’s early, there’s time for more) “ Your policy literally covers everything but the exclusions.”

We have had Farm Bureau Homeowners insurance for at least 10 years. We never had any claims. This is the first time we have had a roof damage to fix and they are not willing to pay it. They claim it is not rain or wind damage, oh what could it be? Did the squirrels chew on it. I am very disappointed with the company and I am ready to switch insurance companies. For the years we have been paying and using it I thought we are entitled to getting our roof fixed. We are going to withdraw all our insurances with them. Car, home everything. What is the use of having an insurance company if they only suck up your money and fulfill their job when you need them. :(

I have had home insurance through GA Farm Bureau for over 30 yrs. My policy payment was due on a certain day. I asked if I could pay them 4 days later instead of that particular day. I had been sick but they would not take that into consideration. All they cared about was the money. What would have 4 days more mattered considering my situation.

Farm Bureau has good coverages and they have a best rating of A+ which is a top rated insurance company. It covers homes with wood stoves which is great. I just wish they have lower premiums carrying the same coverages, so that it does not cost me so much money. Since claim frequency is low, the premiums should be lower. Still, they have good customer service and quick claim service. They have the lowest price for home insurance in the area of my home, too.

I like Farm Bureau Insurance Company, we have used it and it has paid well. I chose this policy because it was a good value and a trusted company. Mom and dad had it so I got some for myself as well. We have been pleased with this company. However, if you do not live in a home they will not pay. This is not something you think would happen after paying them for so long. Please pay whether you are there living it all the time, we do pay our premiums. But other than that, Farm Bureau has been there when we needed it most. TRH insurance was very helpful when my mother was hurt and died because of it and had to be on a respirator for several days before she died.

All in all I did have a good past with Farm Bureau Insurance. This was until I needed them. The adjustor came to look at the problem, glass broke on the storm door. Adjustor said he would replace the door, hard to find specialty size, etc. And pay for the glass clean up. Said it would be around 700 dollars, acted like it would all be paid. This is when I learned without my knowledge my deductible had been increased without my knowledge to 1000.00. I trust the insurance to be honest, but mistake. I called the agent and was told it was increased several years earlier due to some tornadoes hitting somewhere in the area 6 or 7 years earlier. Said I should have been notified, of course should of been never happened, that I remember.

I have Farm Bureau and we had storms for 5 days where I live and it knocked my retaining wall out. They hired a engineer come out who was paid to help Farm Bureau come to conclusion that it was my fault. I've only been in my house 1 month and they won't fix my problem. Wonder how much they paid engineer to come up with for them. So if you read this people I say find another company that will actually be there when you need them. Instead Farm Bureau is just there to steal your money. Thank you Farm Bureau for not being there for me. What a wonderful company. You are a joke and scam artist.

When I started with FB insurance they were very willing to write my policies and a great price that was in June 2018 and then in August 2018 I got a cancellation letter that they were cancelling my HO insurance, Due to "an existing hazard adjacent to the dwelling, outbuilding exposure on the premises, and physical condition that clearly present an extreme likelihood of significant loss." When I finally got an answer to why they told me I needed to paint my detached garage, they would only insure my house. Why it took them 2 1/2 months to decide this and had no problem taking my money.