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Florida Farm Bureau Insurance review 2023

Updated Jan 20, 2023
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Bottom Line

Policyholders who want to handle their insurance coverage with an agency rather than digitally might find Florida Farm Bureau as their company of choice, as long as they are also members of Farm Bureau.

Pros
  • Agents may be in-tune with local market

  • Numerous policy types available

Cons
  • Farm Bureau membership is required

  • An AM Best rating of B++ (Good), which is lower than some companies

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Florida Farm Bureau Insurance car insurance

With Florida Farm Bureau car insurance, customers can take advantage of excellent customer service. The company operates primarily through a network of local agents, making Florida Farm Bureau a possible good fit for drivers who prefer the personalization that comes with doing business with a local agency. However, to get insurance through Florida Farm Bureau, you must have a Farm Bureau membership, which supports farmers and agricultural organizations in the state. This membership requires that you pay an annual fee, which is something to consider if you’re looking for the cheapest car insurance company. This Florida Farm Bureau Insurance insurance review may help you decide if this membership fee is worth it to you.

Although it only provides coverage in Florida, Florida Farm Bureau offers robust auto insurance policies. You can get an online car insurance quote by visiting the website or calling an agent directly. Florida Farm Bureau provides minimum and full coverage car insurance policies with the standard coverage options you would expect.

Like some of the best car insurance companies, Florida Farm Bureau offers a couple of enhancements added to your full coverage policy free of charge. One of these is pet injury coverage, which can provide up to $500 in vet reimbursement if your dog or cat sustains injuries in an accident. You must have collision coverage to be eligible.

Another standout add-on is Florida Farm Bureau’s transportation expense coverage. As long as you have physical damage coverage, this endorsement is included. If your car breaks down more than 100 miles away from home, this coverage would pay for commercial transportation fares, extra meals and lodging, up to the policy’s limit.

Pros and cons of Florida Farm Bureau Insurance car insurance

When comparing car insurance quotes, it can be helpful to look at the big picture by comparing a company’s pros and cons.

PROS

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    DriveDown program can help save on your deductible

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    Claims reporting center open 24/7

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    Some coverage enhancements are complimentary for those who qualify

CONS

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    Not rated by J.D. Power

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    Farm Bureau Insurance mobile app is not highly-rated

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    Higher-than-baseline amount of NAIC complaints for private passenger auto insurance

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Florida Farm Bureau Insurance car insurance cost

Average rates are not available for Florida Farm Bureau, so you may want to contact a local agent for more information.

Florida Farm Bureau Insurance car insurance discounts

Florida Farm Bureau offers a handful of discounts for drivers who want to lower their premium. The discounts available include:

Florida Farm Bureau Insurance car tools and benefits

Florida Farm Bureau offers a few perks that you may not find with another company. For instance, through its banking services, you may be able to apply for a vehicle loan with Florida Farm Bureau. The company also offers retirement and estate planning.

Florida Farm Bureau Insurance home insurance

Florida Farm Bureau sells basic homeowners insurance policies and does not advertise any endorsements, which many larger home insurance companies offer. Florida Farm Bureau home insurance could be best for Floridians that want to work with a local agent that may be familiar with the challenges of the state’s homeowners insurance market.

Pros and cons of Florida Farm Bureau Insurance homeowners insurance

When comparing home insurance quotes, it can be easy to lose track of the benefits each company provides. To stay organized, you may want to make a list of pros and cons.

PROS

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    Local agent may be able to navigate the challenged Florida homeowners insurance market

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    Homeowners insurance policies are sold as a package, which could help streamline quoting process

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    Able to make homeowners insurance payments online

CONS

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    Quotes are not available online

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    Homeowners policies may not be available in all parts of Florida due to coverage restrictions

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    AM Best rating of B++ may be of concern during Florida’s homeowners insurance crisis

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Florida Farm Bureau Insurance home insurance cost

How much you pay for homeowners insurance depends on your rating factors and coverage options. Florida Farm Bureau homeowners insurance quotes are unavailable online, so you need to contact a local agency for premium information.

Florida Farm Bureau Insurance home insurance discounts

There are no discounts advertised for Florida Farm Bureau home insurance. If you need the cheapest homeowners insurance company, you may want to contact a local agent if you have questions about Florida Farm Bureau Insurance’s savings opportunities.

Florida Farm Bureau Insurance life insurance

Florida Farm Bureau offers term and whole life insurance policies. However, the website lacks general information about what the policies cover. To get life insurance from Florida Farm Bureau, you must work with an agent to get a quote and purchase coverage.

Pros and cons of Florida Farm Bureau Insurance life insurance

The information Florida Farm Bureau provides about it’s life insurance product is limited, but here are some things you may want to know before contacting an agent:

PROS

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    More than one policy type available

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    May be a good choice for those who wish to do business in person

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    Your agent may be able to handle all of your insurance needs under one roof

CONS

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    Online quotes not available

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    Limited information found on rider availability

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    Unknown if medical exams are required

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Florida Farm Bureau Insurance life insurance endorsements

Florida Farm Bureau Insurance does not disclose many details regarding its life insurance product, so you will need to contact a local agent to learn more about its endorsement options.

Florida Farm Bureau Insurance life tools and benefits

Shoppers comparing life insurance quotes may be interested in the Farm Bureau’s estate planning and incapacity planning services. Annuities are also available.

Florida Farm Bureau Insurance customer satisfaction

Bankrate assesses a few metrics to determine an insurance company’s customer satisfaction, including third-party scores issued in various J.D. Power insurance studies. Here, major insurance carriers are evaluated for customer satisfaction using a point system, with 1,000 as the highest score possible.

In addition to J.D. Power scores, we review where an insurance company lands on the National Association of Insurance Commissioners (NAIC) complaint index. This data can paint a picture of how satisfied a company’s customers are, based on the number of complaints the company receives. If a company has an average (or baseline) amount of complaints, it is issued an index of 1.0. An index higher than 1.0 indicates more complaints than average, and an index lower than 1.0 shows fewer complaints.

Florida Farm Bureau Insurance auto satisfaction

J.D. Power did not include Florida Farm Bureau in any of its insurance studies released in 2022. However, the NAIC does have data regarding the Florida Farm Bureau’s rate of complaints, where it received an index of 1.45. This higher-than-baseline amount of customer complaints could indicate that some customers are not satisfied with the level of service that this company provides. To understand the type of service Florida Farm Bureau provides its auto policyholders, you may want to speak with friends or family insured with the company.

Florida Farm Bureau Insurance homeowners satisfaction

Like its auto insurance, J.D. Power did not include Florida Farm Bureau home insurance in its 2022 insurance study. This product line did score fewer NAIC complaints than average, with an index of 0.86. This may be a good sign that Florida Farm Bureau homeowners policyholders are happy with the company’s service.

How to file a claim with Florida Farm Bureau Insurance

Reporting a claim with your insurance company is typically a straightforward process. If you are filing a homeowners claim, you will probably need to provide your policy number and the details surrounding the incident leading you to file a claim. For an auto claim, you may need your policy number, the basic information for all the drivers involved in the accident, and in some cases, a police report. Once you have the necessary information gathered, you can file a claim with Florida Farm Bureau by:

  • Calling the claims reporting line at 1-866-275-7322
  • Reporting the claim via the online claims portal

Florida Farm Bureau Insurance availability

Florida Farm Bureau Insurance is only available to Floridians who are members of the Farm Bureau. Unlike its name implies, you don't have to work in agriculture to be a member of the Farm Bureau — anyone can join. However, yearly dues apply. For more information, don't hesitate to get in touch with the Florida Farm Bureau Federation at 1-352-378-8100.

Other Florida Farm Bureau Insurance perks worth considering

Many of the benefits that come with a Florida Farm Bureau insurance policy are granted not through the insurance policy itself but through membership perks given through the Florida Farm Bureau organization. By joining the Farm Bureau, you could enjoy:

  • Discounts on farm equipment, travel, health and wellness, vehicles and more
  • Farm Bureau Bank benefits such as mortgages, loans, high-earning deposits and credit cards
  • Complimentary accident death coverage
  • Free tickets for Florida State University and University of Florida baseball games

Florida Farm Bureau Insurance corporate sustainability

The Florida Farm Bureau is a grassroots organization that aims to improve the quality of rural life and ensure that the voice of agricultural workers is heard. The organization lobbies for legislation that it believes enriches farmers' lives and protects the environment. The bills and regulations that the Farm Bureau fights for are on the local, state or national level.

The Florida Farm Bureau is also active in its local communities through several initiatives, including the County Alliance for Responsible Environmental Stewardship, or CARES, program, which promotes land and wildlife preservation. The Bureau also has a strong presence in the classroom, helping to educate children about agricultural issues.

Based on this Florida Farm Bureau Insurance insurance review, you may be unsure whether this company is a good fit. If this is the case, you may want to consider requesting quotes from the following insurance companies:

Florida Farm Bureau Insurance vs. GreatFlorida Insurance

If you like to work with a local agent but don’t want to be limited to quotes from Florida Farm Bureau, you may wish to explore GreatFlorida Insurance. This insurance broker can shop multiple companies simultaneously and may help you navigate the tough Florida homeowners insurance market.

Learn more: GreatFlorida Insurance review

Florida Farm Bureau Insurance vs. State Farm

Since it earned second place for service in the J.D. Power 2022 U.S. Insurance Digital Experience Study, State Farm could be a great option for tech-savvy policyholders. Florida Farm Bureau does have a mobile app, but it may have functionality issues based on the reviews customers left on the Apple and Google Play stores.

Learn more: State Farm Insurance review

Florida Farm Bureau Insurance vs. Allstate

Just under The Hartford (which has strict eligibility requirements), Allstate ranked number two for overall customer satisfaction in Florida per J.D. Power’s 2022 insurance study. Allstate also offers Florida homeowners insurance (although regional restrictions may apply).

Learn more: Allstate Insurance review

Is Florida Farm Bureau a good insurance company?

Policyholders who don’t mind paying an annual fee may find Florida Farm Bureau an excellent choice due to its robust car insurance coverage options and its long list of membership perks. However, its app is poorly rated and does most of its business in brick-and-mortar agencies. For these reasons, those who prefer hands-on policy management may want to request quotes from other carriers.

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