Farm Bureau Insurance Reviews

Farm Bureau Dropped the Ball--or Should I Say Cow?

Overall

Rated 2 out of 5

When it comes to insurance, we all need to make sure our bases are covered.  Home ownership comes with a need to insure your home and carrying car insurance is another given, and a state law that you have a certain minimum amount of coverage.  If your car or home is finance, the bank will require that you maintain enough coverage for replacement of the insured home or car.  We used **Farm Bureau Insurance **for both our vehicles and home for several years.  That is until last year when we found out that our home insurance policy was no longer in effect.  How did we find out?  We called our local agent because we did not get a bill in the mail.  My husband w...

Horrible Experience

Overall

Rated 1 out of 5

My husband was with Farm Bureau for over six years when he had an accident. A person pulled out in front of him at a light and fled the scene. There were witness reports on the police report that stated it was the other person's fault. When they tracked down the person and took down their insurance information, they didn't have an insurance card on them but said that it was State Farm Insurance. Come to find out, it was really Farm Bureau. Our agent and the agent who was for the other person agreed to settle it as a 50/50 accident! It made our premiums go up! We ended up going with State Farm a short time later because of the unfairness of the claim. We have been with them for almost eight years and have not had a single problem :)

Best Rates, Great Customer Service

Overall

Rated 5 out of 5

Let's just start by saying that I am not the.....safest driver in the world. I have had 4 car accidents (but, in my defense only ONE was my fault!). We had different insurance through another reputable company for many years, but, of course after 2 accidents, our rates weren't great. We began to shop around, and my parents have always used FB for their insurance, for car, home, and life. They recommended it, but, after we called and got a quote, that's all the encouragement we needed. Since we have signed up with them, I went on to have two more accidents, and our rates NEVER went up. Our rates are great, the office is local so we can always stop by if we have a problem or questions. They offer discounted rates if you have more than one type of insurance with them, and the customer service is great. I always recommend this insurance company to friends and family that are looking. I think this is where we will stay.

Not what I expected

Overall

Rated 1 out of 5

When I sought out a policy with Farm Bureau, I thought I would be getting the best of all possible insurance policies: a locally owned and operated company underwritten by local investors, all working for the good of our community. HA HA HA! I suffered through what has to be my worst insurance buying decision ever. It was bait, switch and ignore. Not only did the policy come in at 35% more than what we were used to paying for more than 20 years, when we did have potential claims we were first advised to not even think about filing a claim for weather related damage, so we didn't, then were told to handle the problem ourselves with our own financial resources when we were in desperate ne...

After 23 years as Farm Bureau's customer, I'm ready to switch.

Overall

Rated 2 out of 5

I've been a faithful customer of Farm Bureau, and I am now totally disgusted with them.  First of all, my son slid off an icy road and hit a telephone pole.  His truck was totalled.  It was a used truck with low mileage, and we had only owned it for about 6 months.  We had full coverage on it, and I had to fight with Farm Bureau for over 2 months to try to get them to pay a decent price for the truck.  The adjuster was not able to bicker over the claim amount with me, so I had to talk to his boss.  I talked to this man a couple of times, but he was totally unreasonable.  I spent weeks looking at other trucks that were for sale that compared with this one.&n...

Credit Score versus Driving History

Overall

Rated 1 out of 5

Farm Bureau Insurance raised my insurance premium based on a bad credit score.  I own no credit cards, have no loans and don't want nor need any.  I just bought a 2009 truck cash, and a $120,000 home cash.  I insured both with Farm Bureau Insurance for which I paid the terms in cash for both ahead and up front.  I just got hit with an auto insurance rate increase based on my "Credit Score".  I'll admit, I don't have a very good credit score due to being burned by hostile credit contracts in the past.  That is why i don't use nor need credit now.  I have no interest in ever signing a hostile to the consumer credit contract ever again in my life.  The fa...

They are great!

Overall

Rated 4 out of 5

I have been a member and customer of NC Farm Bureau for about 30 years.  They insure my home as well as my cars.  They have been very prompt in responding and writing checks for two household claims for storm damage.  They have also done well in several car accidents over the years.  My rates are a little high right now due to a previous claim, but normally I have not found any other company who can beat their rates.

I was recently told by an attorney who deals with auto accident claims that Farm Bureau is the best company to work with.   He said some of the others, like Allstate and Nationwide will fight to the end to avoid paying claims or to reduce them as much as possible.

I always recommend Farm Bureau to my friends for insurance.

Worst Company for Insurance - Auto or Homeowners

Overall

Rated 1 out of 5

I purchased an auto and homeowners policy because I was referred by a family member.

Many years went by with NO CLAIMS.  Then there was an auto accident, NOT MY FAULT.

My rates went up.  After the house had been insured, 8 years later, I had a break in.

It took weeks for the adjuster to come out.  In the mean time, me and my son nearly froze to death due to the fact that the windows on the entire back side of the house were broken out, and the door was busted clean off the hinges.  I was told not to do anything until the adjuster came out and took pictures.  It took two weeks before they came out.  This was December, early January.  My gas bill quadruple...

Not the best company I've dealt with but would recommend.

Overall

Rated 4 out of 5

I have had Farm Bureau for 3 years now and although they do have the better rates in the town where I live, the do not have the best customer service.  I was in an accident where my vehicle was totaled (not my fault). I had called and let my company know there would need to be a claim, of course my agent wasn't available so I left a message.  Almost a month later I went to their office to get insurance on my vehicle and my agent looks at me and says "oh, were you in a wreck?"  I just thought that was the dumbest thing. But on a good note, I've never had any trouble with them and their rates are pretty good in comparasion. So all in all I give them a 4.

increased rates every year - we had no tickets or accidents

Overall

Rated 3 out of 5

We were insured with Farm Bureau about 15 years.  We had our home and car policies with them.  The first few years were fine, but the last several had increased premiums every year, even though we had no traffic tickets or claims. 

The final straw was when they forced our agent to quit after being with them almost 20 years.  (He didn't sell enough life insurance poilices to suit them.)

When he went to another company I had him check rates for us and he was able to substantially beat the premiums we had been paying.  Maybe Farm Bureau jacks the price up from the same companies?

Farm Bureau required us to pay quarterly or pay extra to set up a monthly payment, and we could only do that on one of the policies, not both.

I am glad we switched!

Fast As Lightning Claim Check!

Overall

Rated 5 out of 5

Lightning struck out home a few weeks ago. Our heating and A/C unit were totally destroyed. We went to our local Farm Bureau office the next morning to report the loss. The next day, a Farm Bureau insurance adjuster was at our house, and we had had someone out to give an estimate. The adjuster took pictures of the damages, and told us we would have our check within 72 hours, and we did. The next day, we had a new unit installed. So from the time the lightning stike hit our home until the insurance settled the matter was six days. IN my opinion, that was excellent service. I would recommend them to anyone.

I was appalled at the illegal and immoral practice at my expense

Overall

Rated 1 out of 5

We got Farm Bureau Insurance because it was a great discount.  We added a vehicle to our policy but NEVER got cards or information for the vehicle.  I called and they promised repeatedly. (over 6-8 months)  They assured me I was "legal" anyway.  Then we bought a new vehicle and before I could call them to enstate a new policy (we were waiting to sell and cancel another car) the agent used our information and put a policy on the vehicle without ANY contact or approval.  This would have cost us hudreds of dollars more and we were on an automatic draft.  The paperwork showed that my husband approved it and he knew nothing about it!!  In the *lon...

Kentucky Farm Bureau will stand behind you-Awesome Company!

Overall

Rated 5 out of 5

My husband and I used State Farm Insurance for our vehicles and other Insurance.  We had Kentucky Farm Bureau for our home owners.

We ended up having our house flood and we were out of town.  Once we arrived home, our Adjuster from KY Farm Bureau met us there within the hour and had a crew of 12 men at our house within the hour to help remove our belongings and stop damage.

This claim has been the smoothest I have ever had.  The agent is so nice and understanding and has been so easy to work with.

due to this claim, we decided we wanted this type of service for all our vehicles, so we switched all other Insurance to KY Farm Bureau!!!!

PS  and I saved money by switching, can you beleive it????

Great service, great prices, what more can you ask for?

Overall

Rated 5 out of 5

We have been with Farm Bureau for over 2 years now. They have done amazing things for us money-wise. We were paying over 150.00 a month for insurance for 2 vehicles, but now are paying 114 a month for a van, an suv and a 2007 Harley Davidson. Which is an AWESOME price.  The only thing that bothered me was that when our roof on our garage started leaking, they only gave us enough money to reshingle the bad parts, not the whole garage. It would have been much smarter to just fix the whole thing instead of just patches.Our insurance lady is amazing. Such wonderful customer service and a friendly attitude whenever we talk to her or see her.We have even signed a few people up because we thought the service was so great and the prices so low. We are even thinking of getting more through them just to save more money.

Many years of good service!

Overall

Rated 5 out of 5

My husband and I have been with our local Farm Bureau for about 8 years now. After many years of putting up with less than caring auto insurers and constant rate hikes when we have been with other insurance companies we have been very satisified with the service we have received from Farm Bureau and especially how friendly and helpful our Agent has been with us. 

I was recently hit by a driver who also uses Farm Bureau and who also has the same agent we do.  They have been very helpful to me so far and I would recommend them to anyone who was shopping around for auto insurance for the first time or who were looking for a new company to take their insurance business to.