Kentucky Farm Bureau Insurance: Local Coverage for Auto, Home, Farm, and More
Kentucky Farm Bureau Mutual Insurance Company (commonly called Kentucky Farm Bureau Insurance or KFB Insurance) is a property-and-casualty insurer focused exclusively on Kentucky. Founded in 1943, it describes itself as the largest property-and-casualty insurance company domiciled in the state. It operates through a network of local agents in all 120 Kentucky counties and maintains 15 regional claims offices. The company is headquartered in Louisville.
Insurance is available to Kentucky Farm Bureau members. Membership in the Kentucky Farm Bureau Federation is open to Kentucky residents and is not limited to farmers. The company reports that more than 474,000 Kentucky families and businesses hold coverage with it.
Financial Strength and Ratings
Kentucky Farm Bureau Mutual Insurance Company holds an A.M. Best Financial Strength Rating of A- (Excellent) with a stable outlook (affirmed in 2026). A.M. Best previously rated the company A (Excellent); the rating was adjusted to A- in 2025, reflecting the challenges of a single-state writer exposed to weather-related losses, while still recognizing strong balance-sheet metrics and risk-adjusted capitalization. The company also holds an A+ rating with the Better Business Bureau.
As with any insurer, ratings are subject to change; current information should be confirmed directly with A.M. Best or the company.
Auto Insurance
Kentucky Farm Bureau writes personal auto coverage that includes the standard components expected in the Kentucky market:
- Bodily injury and property damage liability (Kentucky’s mandatory coverage)
- Collision and comprehensive (other-than-collision) physical damage
- Uninsured and underinsured motorist coverage
- Medical payments or personal injury protection options
- Optional roadside assistance / towing and rental reimbursement
Coverage applies while driving in the United States, Canada, and Puerto Rico, subject to policy terms. The company offers a telematics/safe-driving app called DriveRight Mobile; eligible users who log trips can receive a discount (the company cites up to 5%). Additional auto discounts commonly referenced include:
- Multi-policy / active property policy (bundling with home, farm, or mobile home)
- Safe-driver / claim-free discounts (higher credits for longer claim-free periods, with the company citing potential savings up to 25% for extended claim-free records)
- Good-student discount (full-time students with qualifying grades)
- Driver’s training / safety course discount
Exact eligibility, stacking rules, and discount amounts are determined at the time of quoting and can change.
Homeowners and Related Property Insurance
Homeowners policies typically include:
- Dwelling coverage
- Other structures
- Personal property
- Loss of use / additional living expenses
- Personal liability and medical payments to others
Optional or commonly available endorsements include water backup and sump overflow, earthquake, scheduled personal property (jewelry, etc.), and identity-fraud expense coverage. Discounts may be available for newer roofs, protective devices (alarms, sprinklers, etc.), newer dwellings, claim-free history, and bundling with an auto policy. The company has promoted auto-home bundle savings of up to 20% in its materials.
Mobile-home policies are also available, with parallel discount opportunities (including multi-policy credits).
Farm Insurance
Farm coverage is a core part of the company’s heritage and product set. Available protections generally include:
Property
- Dwelling and household personal property
- Loss of use
- Farm buildings and farm equipment (perils typically include fire, lightning, windstorm, hail, theft, vandalism, collision for equipment, and others depending on the form)
Liability
- Bodily injury and property damage
- Medical payments
- Incidental farm business pursuits (for example, roadside stands)
Optional and additional coverages often discussed include farm employee liability and loss-of-wages options, equine business liability, ATV coverage, sump/water backup, earthquake, scheduled items, and certain business-activities extensions. Eligibility and exact terms are subject to underwriting.
Commercial and Other Lines
Kentucky Farm Bureau also writes commercial coverage that can be tailored by cause-of-loss form (basic, broad, or special) and can include property, liability, crime, and inland-marine type coverages for business personal property, equipment, and related exposures. Other personal lines referenced by the company include motorcycle, boat, umbrella, church, and additional specialty options. Availability depends on eligibility and underwriting.
Distribution and Service Model
The company emphasizes a local-agent model. Agents are present in every Kentucky county, and claims are supported by a network of regional claims offices. This structure is intended to provide in-person service and local knowledge of Kentucky weather, road, and property conditions. Digital tools (member portals and apps) are also offered for routine policy service, payments, and claims reporting.
Who the Company Serves
- Families and individuals seeking auto and homeowners coverage with local service and bundling opportunities.
- Farm and rural property owners needing combined dwelling, farm structure, equipment, and liability protection.
- Small businesses and other commercial risks that fit the company’s underwriting appetite.
- Kentucky residents who value membership-based access and a single-state carrier focused on the Commonwealth.
Because the company writes only in Kentucky and has correlating exposures (auto, home, and farm in the same weather-prone state), results can be sensitive to severe convective storms, tornadoes, and other catastrophe activity. That concentration is a recognized feature of its business profile.
Practical Considerations
- Coverage is generally available only to Kentucky Farm Bureau members.
- Quotes and precise discount eligibility require contact with a local agent; online tools may provide starting information but final terms are agent- and underwriting-driven.
- Policy forms, limits, deductibles, exclusions (including flood, which typically requires separate coverage), and endorsements should be reviewed carefully.
- Bundling auto with home or farm is one of the more commonly promoted ways to reduce premium.
- Safety devices, claim-free records, good-student status, and use of the DriveRight app are among the discount avenues the company publicly highlights.
Contact Information
Kentucky Farm Bureau Insurance
9201 Bunsen Parkway
Louisville, KY 40220
- Main phone: 502-495-5000
- Toll-free (commonly listed): 800-878-7908
- Website: kyfb.com/insurance
- Local agent locator: available on the company website
Summary
Kentucky Farm Bureau Insurance is a Kentucky-focused, membership-based property-and-casualty insurer founded in 1943. It is the largest P&C company domiciled in the state, maintains agents in all 120 counties and 15 regional claims offices, and holds an A.M. Best rating of A- (Excellent). Its core offerings center on auto, homeowners, farm, and commercial coverage, supported by multi-policy, safety, and driving-record discounts. The company’s single-state concentration and local-agent model are defining characteristics. Prospective policyholders should obtain current quotes and policy details through a local Kentucky Farm Bureau agent and verify the latest financial-strength information with independent rating sources., comprehensive, and tailored insurance solutions that protect both vehicles and homes within communities large and small. With a history rooted in serving farmers and families, their local focus combined with competitive products makes them a preferred insurance provider throughout the Commonwealth.
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