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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.
Mom and my late Father were with Farm Bureau for almost 50 years. The more horrible thing is that they did NOT cancel my sister's insurances with them. What is that about? I am on a mission to stop anyone from buying Farm Bureau of any kind. I also have found that State Farm is 100% better. They do NOT prorate your roof when you need a new one. Hope that very soon there is no Farm Bureau because they always cheat their oldest customers. Horrible.
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.
That was a lie. They charged us $1000 both times and deducted "depreciation" costs both times as well. The supplemental check was barely over $200. Icing on the cake the agent (Tucker) who was suppose to give his estimate, still has not sent it to us so we can send it with the check to our mortgage company to be signed and here we are 2 months later with a hole in the floor and a worthless check because a lazy agent is never able to be reached, never returns calls, allegedly is never in his office and has yet to do his actual job so we can fix our floor before one of us or or 6 kids falls through and gets hurt. I would not recommend this company or that agent to anyone. We will be switching to a more capable company with agents who have better work ethics. I would not even give this company a 1 star but I had to rate in order to submit.
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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.
Farm Bureau Homeowners expert review by Matthew Brodsky
Founded in 1939, Farm Bureau Financial Services has been providing homeowners insurance for nearly eight decades, and it offers plans for single-family dwellings, townhomes, duplexes, fourplexes, mobile homes and condominiums. Farm Bureau Financial Services serves residents in the Western and Midwestern United States, including Arizona, Iowa, Kansas, Minnesota, Nebraska, New Mexico, South Dakota and Utah.
Customized plans: Plans can be customized to suit the homeowner's needs for personal belongings and high-value items such as jewelry, art collections and electronics that would not otherwise be covered under the policy.
Additional structural coverage: Coverage is available for other buildings or structures on the property. These may include: storage sheds, unattached garages or carports, animal habitats and pet houses and potting sheds.
Equipment breakdown coverage: Covered homeowners can have their home systems replaced in the event of irreparable breakdown. Such equipment includes air conditioners, hot water heaters, furnaces and electronic systems. Computers may also be covered.
Replacement cost coverage: This coverage pays 100-125 percent of costs before depreciation consideration. The extra 25 percent helps cover the added expenses incurred by labor or material costs.
Online access: Claims can be reported online, through the 24-hour claim center telephone number or directly to the homeowner's insurance agent.
Best for: Homeowners in the West and Midwest states and those who require flexible coverage.
Farm Bureau Homeowners Company Information
- Company Name:
- Farm Bureau Homeowners
- Year Founded:
- 5400 University Avenue
- West Des Moines
- Postal Code:
- United States
- (515) 225-5400