Home or Farm Insurance - Discounts



Discounts offered may include:

New Home Discount - Save up to 40%
This discount applies on homes while being constructed or that have been constructed in the last several years.

Renovation Discount - Save up to 20%
You may qualify for this discount if you have updated the electric, plumbing, heating and roofing within the past 5 years.

Protective Systems Discount - Save up to 10%
This discount may be available for homes with burglary and fire alarms.

Urban Custom Home Discount - Save up to 40%
You may qualify for this discount if you have completely updated plumbing, roofing, heating, and electric as well as custom renovations meeting current construction standards in a home over 50 years old located within city limits.


Home or Farm Insurance - Special Programs



PROTECTOR Elite



Reward yourself with better protection from Farm Bureau at no additional cost. The Protector Elite includes:

  • Reducing Property Deductible
    A $100 reduction in your deductible each claim-free year.
  • Renewal/Claim-Free Discount
    A reduction will be applied to your premium depending upon how long you remain claim free.
  • Multiple-Line Discount
    Those with multiple lines of insurance with us - Home, Auto, and Life - are rewarded with an additional premium discount on your home.
  • Increased Limits on Personal Property Coverage
    Coverage has been increased to $2,500 on valuable papers and notes and to $5,000 for jewelry, gems, watches, and furs.
  • Enhanced Supplementary Coverages
    Coverages have been increased for losses to trees and shrubs, perishable items, and even outdoor antennas.
  • Lock Replacement Coverage
    Protector Elite pays up to $1,000 or the cost to replace and re-key exterior dwelling door locks when keys or garage door controllers are stolen. Best of all, there is no deductible on this coverage.
  • Identity Theft Expense Coverage
    Coverage up to $25,000 for expenses incurred as a direct result of "identity theft" such as costs for notarizing affidavits and other documents, long distance phone calls and attorneys fees.
  • Identity Theft Resolution Service
    This coverage provides access to a service that provides advocacy and assistance in the event of identity theft. This service will assist with coordination of such items as filing of policy reports, completion of fraud affidavits, notification of various agencies, and initiation of fraud and credit monitoring.

*The statements of coverage are subject to certain exclusions and conditions. Only the policy form contains the actual insurance contract.


For specific details, contact a Missouri Farm Bureau Agent.

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