Farm Bureau Homeowners

Farm Bureau Homeowners Reviews

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Overall Rating3.1 out of 5
See all 67 reviews & ratings

About Farm Bureau Homeowners Reviews

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Farm Bureau is an insurance company that offers home, auto and life insurance. It has a large network of local agents; however, its home coverage is available only in select states, and it doesn’t provide quotes or claims services online. Its homeowners policies range from basic to comprehensive coverage, and the company offers several insurance add-ons.

Pros & Cons


  • Discounts available
  • Local agent network
  • Online bill pay


  • Available only in 14 states
  • No online claims or quotes

Bottom Line

Farm Bureau writes homeowners policies in 14 states. It offers basic and comprehensive coverage with optional add-ons. You can enroll through a local agent network. The company provides several discount options.

Featured Reviews

Indianapolis, IN

Good company with good reputation and good representatives. Easy to work with and easy to get in contact with for service. Highly recommend to others and will continue to work wit...

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Hamilton, GA

I haven't had a problem for many years but when I did, it was handled quickly and efficiently. I am very satisfied with my insurance. I've had this insurance for 30 years with no ...

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What is Farm Bureau?

Originally founded to insure farmers, Farm Bureau has expanded to cover the needs of rural, urban and suburban homeowners. Its policies cover all major aspects of a home, including your main dwelling and the valuables inside. You can get quotes and make claims through its network of agents in 14 states.

Nationwide Farm Bureau offices provide advocacy, public service and environmental initiatives to farmers and ranchers across the country, and the insurance branch supports this effort.

Farm Bureau home insurance coverage

Farm Bureau can fully customize your policy to your house, condo, townhome, rental property or mobile home. Its coverage typically includes dwellings, unattached buildings, personal property and liability, but you can also add protections like guaranteed replacement cost, residential equipment and umbrella insurance. A Farm Bureau agent can walk through your coverage options, provide a policy quote and apply any relevant discounts.

Farm Bureau home insurance quotes

For Farm Bureau policy pricing, you’ll need to get a custom quote from a local agent. The company offers discounts for policy bundles, new homes, new roofs, protective devices and loyalty credits. You can also save on your premium by choosing a higher deductible. Farm Bureau agents find and apply any appropriate discounts and perform annual checks to confirm your policy is up to date, at which point you can add or remove coverage as needed.

Farm Bureau home insurance FAQ

What does Farm Bureau homeowners insurance cover?

Farm Bureau’s home policies cover single-family homes, condos, townhomes, rentals and mobile homes. Coverage varies depending on your policy’s details.

Does Farm Bureau homeowners insurance cover mold?

Sometimes — your policy might cover mold if it’s a result of a covered peril. Discuss this coverage with your Farm Bureau agent to determine your needs.

Where is Farm Bureau homeowners insurance available?

Farm Bureau has agents in Arizona, Iowa, Idaho, Kansas, Minnesota, Montana, North Dakota, Nebraska, New Mexico, Oklahoma, South Dakota, Utah, Wisconsin and Wyoming. To see if its homeowners insurance is available in your area, use the agent finder tool on Farm Bureau’s website.

How do I file a homeowners claim with Farm Bureau?

To report a claim, call Farm Bureau’s toll-free claims center. You can also contact your local agent.

Is Farm Bureau homeowners insurance good?

Farm Bureau homeowners insurance policies are competitively priced and offer a variety of customizable coverage options. Its service area is limited, but if you live in one of the 14 states it operates in, you can contact a local agent to see if its policies are the right fit for you and your home.

Farm Bureau Homeowners Reviews

ConsumerAffairs has collected 67 reviews and 304 ratings.

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Page 1 Reviews 0 - 10

Reviewed Sept. 5, 2023

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.

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Customer ServiceClaims Handling

Reviewed May 12, 2023

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.

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    Claims Handling

    Reviewed Feb. 5, 2022

    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?

    I have a open floor plan. Adjuster stated they they will cover 2 ceilings and that a good painter should be able to match the ceilings from 1995 (popcorn ceilings). Really? If you don't already know, The Insurance Commissioner will be involved in this complaint, but I wanted to let as many people as possible know, do not insure with Farm Bureau Insurance.

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    Punctuality & Speed

    Reviewed Nov. 15, 2021

    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.

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    Reviewed Dec. 3, 2020

    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.

    However I wanted to give them the opportunity to see if we could do something to make my cost with farm bureau even remotely close to what it was with the other national insurance company. I received back an email telling me that well the last time they run my credit I wasn't that great and probably wasn't going with a company that offered the right stuff and blah blah blah. Seriously folks you've taken my money for 15 and 1/2 years and never cost you a crying dime and you can't even be nice to me. I am calling the other insurance company tomorrow to verify the price and what they cover and if they're even the same cost as the other company I think I need to change because I work customer service. And when my customer service is bad I get fired. I can't believe how this company treats people.

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    Reviewed Sept. 26, 2020

    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?

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    Reviewed Sept. 14, 2020

    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.

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    Reviewed June 24, 2020

    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.

    After getting to $203,000 on a $129,000 home I questioned the latest agent (seems like a new one every year as they pass my policy around) and they pointed to the 1800 sq ft as the reason my insurance amount was so high and thus my policy so expensive. Since they started charging 2% of total policy coverage for a deductible they have been jacking up the total coverage ever year. This is how they overcharged me $600 on my deductible to have my roof replaced. When all this was pointed out to Farm Bureau management, they basically told the agent they would "correct" the policy for the last 6 months at approximately $18 a month.

    They think that is reasonable for overcharging me over $3750 over the years. They essentially said, you didnt catch it so too bad for you that we screwed you all these years. BEWARE of the this predatory practice!!! Check your square footage on your policies and watch as they jackup the total coverage amount every year to charge you more for your policy but more importantly to charge you higher deductibles on wind or storm damage!!!

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    Reviewed May 27, 2020

    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!

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    Reviewed May 22, 2020

    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.

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    Farm Bureau Homeowners Company Information

    Company Name:
    Farm Bureau Homeowners
    Year Founded:
    5400 University Avenue
    West Des Moines
    Postal Code:
    United States