I've been with Kentucky Farm Bureau for more than 10 years. Every claim has been a nightmare. They don't call you back; they don't tell you when they're coming; they assess the claim without even looking at your house. I filed a claim for my roof in October. They came to look at it without telling me -- in March of the next year! Then they said the claim was assessed at $498. Interesting -- my deductible is $500. I'm stuck with them for now until I can fight with them about my roof. After that I'm changing companies. The low cost isn't worth the hassles.