Last Updated: 04/18/2025
Farm Bureau Insurance Homeowners Insurance
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Last Updated: 04/18/2025
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Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A(Verified 04/18/2025)
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Number of Reviews
Farm Bureau Insurance Homeowners Insurance Review
Farm Bureau Insurance Homeowners Insurance is an insurance carrier based in West Des Moines, IA. The company was founded in 1939 and offers home insurance in 8 states in the USA.
Farm Bureau Insurance Homeowners Insurance FAQ
What is the financial strength rating of Farm Bureau Insurance Homeowners Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Farm Bureau Insurance Homeowners Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.
What types of coverage does Farm Bureau Insurance Homeowners Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Farm Bureau Insurance Homeowners Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
Farm Bureau Insurance Homeowners Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Equipment Breakdown Protection:
This protects from loss due to a mechanical or electrical breakdown of nearly any type of equipment, including photocopiers and computers. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
What additional benefits does Farm Bureau Insurance Homeowners Insurance offer?
Farm Bureau Insurance Homeowners Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
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Farm Bureau Insurance Homeowners Insurance Community Reviews
Would you recommend Farm Bureau Insurance Homeowners Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
The overall experience with this company has been always great, i personally think its the perfect one if you are a hometown person, since they handle every issue in a very personalized way, they are very dedicated to the client, and have an excellent customer service.
NS
Nathalie S.
May 11, 2022
May or may not recommend
The overall experience with this company has been always great, i personally think its the perfect one if you are a hometown person, since they handle every issue in a very personalized way, they are very dedicated to the client, and have an excellent customer service.
VJ
Victoria J.
Apr 29, 2022
May or may not recommend
Experience was very reliable and never failed to assist me whenever my help was needed. When I had issue with my house rental program they rushed in to help me find the best option.
AB
Akil B.
Feb 10, 2022
May or may not recommend
My family is very happy with their best Services. First of all, the customer service has been incredible. They helped especially during Hurricane Sandy when that severely affected my home. It is a company dedicated to working with the local community and they pay a dividend if you have no claims at the end of the year. They are very responsive and fair when you have claims.
MD
Matthew D.
Jan 31, 2022
May or may not recommend
I Have used this company in the past for several years and the customer service was excellent as well as the services. Anytime I had a situation I needed handled, they took great care of me promptly. Definitely recommend this company to those needing homeowner insurance!
Tiffani S.
Oct 31, 2020
May or may not recommend
This company is the personal touch in every sense of the word. I couldn't be more satisfied. There is no stress of calling and being given the run around because you are calling a local office and talking to the same people every time. They are the perfect company for the hometown person.
SD
Samantha D.
Oct 10, 2020
May or may not recommend
Farm Bureau is still a fairly low-tech company basing almost everything on their in person experience. While having a strong local network means our response is generally handled in a more personalized way the speed can be an issue. Just prepare to call your agent’s office whenever you have questions.
Showing 7 of 7 reviews