Frequently Asked Questions - Home
Do I have a deductible on my policy?
Please check your policy or contact
your agent to see if you have a deductible and how much it is.
Is there a discount for having both my auto and
home coverage insured with Farm Bureau?
Yes, called a total account discount. This credit is applied at each renewal if
you maintain both your property and auto coverages with us. If you are not receiving
this discount, consider the savings of insuring with us. Contact
your agent for details.
What do I do if I experience a theft loss?
What to do if you experience a theft loss:
- Notify the police
- Notify credit card or fund transfer card company
in case of loss of a credit card
- Notify us (or
your agent) as soon as practicable (report
a claim)
What do I do if I have fire, smoke, water, or storm
damage to my home?
What to do in case of fire, smoke, water, or storm damage to your home:
- Protect your property and belongings from further
damage
- Make reasonable and necessary repairs to protect
the property
- Keep an accurate record of repair expenses
- Notify us (or
your agent) as soon as practicable (report
a claim)
What do I do if I have vandalism or other property
damage to my home?
What to do in case of vandalism or other property damage:
What is a deductible?
A deductible is the amount of damages that you agree you will be responsible for
if you have a claim.
Most insurance policies have a deductible which
states that a portion of the amount paid for the loss will be subtracted (deducted)
from the amount the insurance company would otherwise pay. This amount is not
paid to the company, it simply becomes your share of the loss and is deducted
from the payment.
What kind of insurance can I purchase from Farm
Bureau?
Farm Bureau Town & Country Insurance Company can write your automobiles, home,
farm, motorcycles, motorhomes, boats, mobilehomes, farm trucks and many other
exposures. Through our other affiliates, we can provide for all your insurance
needs from Life and Health, to retirement planning. Contact a Farm
Bureau agent for details.
Why do I have a deductible?
Deductibles serve several functions. Shifting the cost of small claims to the
person buying the insurance (insured) enables the insurance company to reduce
premiums. Small dollar claims often cost more to adjust and settle than the claim
itself. The cost of insurance would be much higher if there were no deductibles.
The higher the deductible, the lower your premium cost.
Will insurance pay for trees that are blown down
in my yard?
Your property policy for your home or farm will NOT cover a tree if it is blown
down in your yard. You have coverage for the tree for fire, lightning damage,
or vandalism, but not for wind.
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