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Farm Bureau Homeowners

Farm Bureau Homeowners

 3.8/5 (33 ratings)
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  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
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About Farm Bureau Homeowners

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

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.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Pros

  • Discounts available
  • Local agent network
  • Online bill pay

Cons

  • 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.

Top Farm Bureau Homeowners Reviews

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Rated with 5 stars
Verified

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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Rated with 5 stars
Verified

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

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How do I know I can trust these reviews about Farm Bureau Homeowners?
How do I know I can trust these reviews about Farm Bureau Homeowners?
  • 3,305,994 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 5 stars
Verified Reviewer
Original review: 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.

4 people found this review helpful
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: 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.

9 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: 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?

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: 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!!!

    14 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: 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!

    8 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: 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.

    13 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: June 14, 2019

    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".

    30 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: May 14, 2019

    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.

    21 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 7, 2019

    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.

    22 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 29, 2019

    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…

    26 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: Feb. 28, 2019

    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.

    35 people found this review helpful
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    Farm Bureau Homeowners Company Information

    Company Name:
    Farm Bureau Homeowners
    Year Founded:
    1939
    Address:
    5400 University Avenue
    City:
    West Des Moines
    State/Province:
    IA
    Postal Code:
    50266
    Country:
    United States
    Website:
    www.fbfs.com