Michigan Farm Bureau is one of the largest insurers of cars and homes in Michigan. This review will discuss the important facts about Michigan Farm Bureau, the types of insurance it offers, and how it sells its insurance coverage. This review analyzes the JD Power customer satisfaction ratings, AM Best financial strength ratings, and the most recent three-year home & auto insurance customer complaint records for the Michigan Farm Bureau insurance companies, and compare them with major competitors like Allstate, State Farm, GEICO, Nationwide, Auto-Owners, & Progressive. My review will give you information to help you decide if Michigan Farm Bureau is a good choice to insure your vehicle or home.
Farm Bureau Insurance of Michigan started in 1949 by Michigan farmers, who were members of the Michigan Farm Bureau. Michigan Farm Bureau has 450 agents across Michigan, working for the company as independent contractors, providing a full range of insurance products, protecting nearly 500,000 Michigan policyholders. According to the Michigan Farm Bureau Insurance website, MI Farm Bureau Insurance introduced the first Farm owners policy in the nation in 1960, and protects almost 70 percent of all the farms in Michigan, more than the next five closest competitors combined. If you own a Farm in Michigan, you definitely should consider Michigan Farm Bureau to insure it, but this review will focus on personal auto, life insurance, and residential insurance for properties such as one or two family homes, mobile homes, condos & tenant’s coverage, instead of farm insurance, or the other business insurance MI Farm Bureau provides.
Michigan Farm Bureau Insurance Review
The best way to get price quotes and information about Farm Bureau Insurance is to visit the company’s website, locate a MI Farm Bureau agent close to you, and contact the agent by phone. Michigan Farm Bureau agents, like Allstate & State Farm agents, are exclusive agents, allowed only to sell MI Farm Bureau insurance products in most situations. Other agents can’t offer you MI Farm Bureau insurance, but MI Farm Bureau agents can’t offer you any other insurance company options than MI Farm Bureau insurance. You can rely on MI Farm Bureau agents to know the insurance offered by their company, but it would be wise to talk to agents representing other companies, to see how MI Farm Bureau compares to the competition.
Michigan Farm Bureau is available only in the state of Michigan. So, if your home and cars are located in Michigan, MI Farm Bureau can insure them (if you qualify, like with any insurance company). But if you have a vacation home in another state, like Colorado, MI Farm Bureau cannot insure the property.
The first section of this Michigan Farm Bureau Insurance review will look at the types of insurance MI Farm Bureau offers individuals and families, and the second section is divided into six sections, consisting of: 1. The AM Best Financial Strength ratings for the Farm Bureau of MI insurance companies, 2. Any recent JD Power ratings for MI Farm Bureau Insurance, 3. the auto insurance customer complaint ratings for the MI Farm Bureau Insurance companies, 4. the home insurance customer complaint ratings for the MI Farm Bureau Insurance companies, 5. MI Farm Bureau Insurance customer complaints compared to four major competitors — State Farm, Allstate, Progressive, & GEICO 6. a Michigan Farm Bureau Insurance review summary, either recommending MI Farm Bureau Insurance, or suggesting other companies as better choices for your auto or home insurance.
MI Farm Bureau homeowners insurance
Homeowners insurance through Michigan Farm Bureau offers many of the same discounts and coverage options as the major national companies insuring homes, and some important coverage options other companies may not offer.
One very important coverage option is Guaranteed Replacement Cost, which most home insurance companies no longer offer, but may be available through Michigan Farm Bureau, if you and your property qualify for it.
The following common home insurance coverage options are available through Michigan Farm Bureau, but the terms of coverage, or the amount of coverage you can purchase, may vary a lot among competing insurance companies. If any of these coverage options are important to you, be sure you know what’s covered, what’s not covered, and if another company provides broader coverage, or a greater amount of coverage better meeting your needs: Ordinance and Law, Business Pursuits, Personal Injury, Loss Assessment, and Water Back-up and Sump Overflow.
A less common home insurance coverage option not all companies have available is Residential Glass coverage, and even less common is Snowmobile and Recreational Vehicle Liability Coverage. Since insurance companies are quick to cancel or non-renew home insurance policies for filing claims, insuring items like boats, snowmobiles, atvs, or other recreational vehicles under a separate boat or RV insurance policy is a better idea, in case you have a claim, so you won’t risk the cancellation of your home insurance.
Home insurance discounts include Farm Bureau Welcome Credit, Mature Insured Credit, Non-Smoker Credit (you may be surprised many major home insurance companies don’t offer this discount), Protective Device Credit, New Roof Credit, New Home Credit, Multi-Policy Credit, SmartPay Discount, and a Loss-Free Continuous Coverage Credit.
MI Farm Bureau has these specialized home insurance products for qualifying applicants:
MI Farm Bureau Lake Estate policy
The Lake Estate Policy from Farm Bureau General Insurance Company of Michigan is a comprehensive homeowners insurance policy designed to protect the private owner-occupied Lake home and separate structures on the same property.
The Lake Estate homeowners insurance policy includes this additional coverage at no additional cost: Debris Removal, Food Spoilage, Ordinance or Law, Loss Assessment, Federal Check Coverage, Identity Theft Recovery Expense, Equipment Breakdown, Water Backup or Sump Discharge or Overflow, Locksmith Services, and Lost Pet Expense.
The Lake Estate homeowners insurance policy has the following additional coverage options for an additional premium: Watercraft Liability, Recreational Vehicle and Snowmobile Liability, Scheduled Shoreline Personal Property, and Lake Other Structure Coverage.
The Lake Estate homeowners insurance policy has the following additional discounts: Safe Boating Credit, Boat Protective Devices Credit.
MI Farm Bureau Country Estate policy
Full time farmers need farm insurance, but Michigan Farm Bureau has developed another policy, called Country Estate, to meet the needs of clients living in rural areas, owning some acreage & may cultivate it or have some agricultural activities, but making their primary living in an occupation other than farming their land. More information can be read here at the company website about the Michigan Farm Bureau Country Estate policy.
MI Farm Bureau mobile homeowners insurance
Many major insurance companies do not insure mobile homes, or have very strict requirements for eligibility, such as insuring mobile homes built only in the last ten years. I don’t know how strict the eligibility requirements are to qualify for MI Farm Bureau mobile home owner insurance, or its coverage options, but according to the MI Farm Bureau website, a wide array of increased coverage may be available that other companies may not offer for mobile homes, such as Replacement Cost coverage, Ordinance and Law, Residential Glass, Business Pursuits, Personal Injury, Loss Assessment and Water Back-up and Sump Overflow coverage. If a MI Farm Bureau agent explains your mobile home does not qualify for coverage with the company, or if important options like replacement cost coverage are not available for you, consult a few independent insurance agencies representing multiple companies, like Foremost & American Modern, to see if they provide better coverage for your mobile home.
MI Farm Bureau condominium owners insurance
MI Farm Bureau provides condo unit owners insurance, but there is no description of coverage on their website. If the coverage options are as broad as they are for homeowners of site built homes or mobile homes, MI Farm Bureau may have a good condo owners insurance policy. Condominium owners have unique coverage needs, and not all insurance companies provide the options or amount of coverage needed by individual condo owners. Also, the terms of coverage can vary among companies, with some companies providing broader coverage in some situations, or more restrictive coverage in others. If you own a condo, it’s best to talk to several agents with experience insuring the needs of condo owners, including at least one independent insurance agent, to find the best company to insure your condo.
MI Farm Bureau renters insurance
Per the Michigan Farm Bureau website, the company offers additional coverage some other companies do not have available for renters insurance, such as Business Pursuits, Personal Injury, & Water Back-up and Sump Overflow coverage. If you insure your auto with MI Farm Bureau and rent your primary residence, it makes sense to choose MI Farm Bureau for your renters insurance, to get multiple policy discounts. A lot of renters don’t bother to purchase renters insurance, and this can be an expensive mistake. Renters insurance is usually inexpensive, and the multiple policy discounts make the cost only slightly more than having only an auto insurance policy.
MI Farm Bureau personal umbrella insurance
There is not much information about the details of the personal liability umbrella policy offered by MI Farm Bureau. Coverage can vary greatly among the umbrella liability policies offered by different insurance companies, with some companies offering much broader coverage than other companies. Which company’s umbrella policy you should choose depends on your life style. For example, if you rent cars frequently, or rent cars when traveling abroad. Many companies’ umbrella policies are more restrictive excess liability policies, which may be fine for some people. Umbrella liability coverage is not just for the rich, and anyone with financial assets they want to protect should consider purchasing one. If you are unfamiliar with these type of policies, here is the description of the Michigan Farm Bureau Personal Umbrella Policy. If you are interested in umbrella liability coverage, I recommend speaking to one or two independent insurance agents with knowledge of these products, to help you decide if you need one, or need one with broader coverage to fill gaps in your insurance protection.
MI Farm Bureau travel trailer insurance
Many insurance companies insure travel trailers on their auto insurance policies, do not have a specific travel trailer policy, and do not have the additional coverage options a good travel trailer policy provides. The Michigan Farm Bureau travel trailer policy has these coverage options: Special Form Comprehensive Coverage (includes collision), Personal Effects Coverage, Fire Department Service Charge, Vacation Expense Allowance, and Emergency Road Service.
MI Farm Bureau scheduled personal articles insurance
Scheduled Personal Articles coverage is a specialty program from MI Farm Bureau, providing insurance coverage for your valuable possessions, that may not be adequately protected by a homeowners policy. Items eligible for coverage are boats and boating equipment, fine art, stamp and coin collections, photographic equipment, sports equipment, recreational vehicles, electronic equipment, musical instruments, silverware, jewelry, and furs. Other kinds of valuable articles may also be eligible for coverage under this policy.
A major advantage of this type of policy is you can insure your valuable items and not have to worry about a claim under this policy putting your home insurance policy in danger of cancellation. Many companies prefer to provide scheduled coverage of high value personal items on the home insurance policy, but there are other companies offering a separate policy to insure high value items.
MI Farm Bureau auto insurance
The family auto insurance policy from Michigan Farm Bureau has some of the options and discounts offered by the major national auto insurance companies. Coverage options, like paying extra for accident forgiveness, a vanishing collision deductible, or claims-free cash back, do not seem to be available, but features like these are often more about marketing, than actually providing better coverage or saving the customer money.
Specialty auto insurance through Community Service Acceptance Company
Michigan Farm Bureau helps customers with unique auto insurance needs or drivers having a hard time qualifying for standard auto insurance rates, through Community Service Acceptance Company, their own “in-house” agency, providing MI Farm Bureau agents with access to products from other companies (If MI Farm Bureau can’t offer coverage), including: Antique/Classic Auto Insurance, Coverage for unusual and/or difficult risks, nonstandard (High-Risk) Auto, Motorcycle, Mobile Home, & Recreational Vehicle Insurance.
Michigan Farm Bureau Term Life Insurance
Michigan Farm Bureau offers an annual renewal term policy, starting at an amount of coverage of at least $100,000, with the cost increasing each year as you age, but will offer a renewal until age 95. You can convert the policy to permanent coverage any time until you reach age 65.
Term life insurance can also be purchased from MI Farm Bureau under the same circumstances, but with a level premium for 10 years, 20 years, or 30 years.
The Michigan Farm Bureau also offers a Return of Premium Term 20 policy, but the return of premium term life insurance of other companies may be a better option for you.
There is nothing unique about these term life insurance products from MI Farm Bureau, and the same coverage, with similar or more generous policy provisions, may be available from other companies at at better price. The best term life insurance company for you depends on your unique health history and circumstances. It’s wise to contact several independent insurance agents specializing in term life insurance, and with knowledge of the term life insurance market, to find the agent providing the best advice & term life insurance company for you.
MI Farm Bureau does have a special term life insurance product, called Member Term, that costs only $100 a year. Member Term is a 10-Year level term life insurance policy available only to members of Michigan Farm Bureau who are between the ages of 18 and 39. According to the MI Farm Bureau website, if a member is a United States citizen and can answer “no” to three health-related questions on the application, the member may qualify for this policy. There are no physical exams or physical reports necessary. The coverage depends on your age at issue: Ages 18 – 30 $50,000; Ages 31 – 35 $40,000; Ages 36 – 39 $25,000.
Although this coverage is inexpensive, it is only good for ten years, provides a small amount of coverage, and is only available to young people between 18 and 39 years of age. The Member Term policy may be a good option for you if you cannot qualify for term life insurance with other companies, but even if you are in poor health, a good independent agent may be able to get more coverage for a longer period of time at a reasonable price.
Michigan Farm Bureau Whole Life Insurance
MI Farm Bureau has several whole life insurance products, including a Life paid up at age 65 policy, and a single premium whole life insurance policy. Many people have heard the advice, don’t buy permanent life insurance, instead “buy term and invest the difference.” However, every person’s values, goals, and financial situation is unique, and sometimes a type of permanent life insurance, like Whole Life, is a better choice. MI Farm Bureau may have the best Whole Life insurance policy for your situation, but unfortunately, a MI Farm Bureau agent cannot compare it as one option among other insurance companies, because the agent represents only MI Farm Bureau. Also, for some people seeking permanent life insurance coverage, a universal life insurance policy may be a better and less expensive option, and MI Farm Bureau does not seem to offer this product.
Even if you are like many people deciding only term life insurance is best for their budget and financial goals, it’s important to be aware of the advantages of permanent coverage, and talking to experienced independent life insurance agents, with recent experience selling term and the various types of permanent life insurance for a number of life insurance companies, can help you decide what’s best for you.
1. AM Best Financial Strength Rating for the Michigan Farm Bureau Companies
The Michigan Farm Bureau insurance subsidiary companies selling auto & home insurance, Farm Bureau Mutual Insurance Company of Michigan and Farm Bureau General Insurance Company of Michigan, had their “B++” (Good) AM Best Financial Strength Rating affirmed on 04/14/2016, but with its financial outlook upgraded to positive (a ratings upgrade is possible in the near future). The AM Best rating of “B++” is the fifth highest rating for AM Best.
Farm Bureau Life Insurance Company of Michigan, the main subsidiary selling MI Farm Bureau’s life insurance products, had its “A” (Excellent) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) reaffirmed on 03/20/2015. The AM Best rating of “A” is the third highest rating for AM Best.
The AM Best financial strength ratings for the Farm Bureau of Michigan insurance subsidiaries are not a measure of customer service or the quality of the company’s claims adjusting, but an opinion of each of these companies ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto, property (home, condo, mobile home, renters), or life insurance company with lower than an “A-” rating for financial strength from AM Best.
Source: Michigan Farm Bureau AM Best ratings
2. JD Power US Auto Insurance Customer Satisfaction Study Ratings for Michigan Farm Bureau
The annual JD Power Auto Insurance Customer Satisfaction Studies in recent years consist of many regional or single state studies. Michigan Farm Bureau is included in just one study, the North Central (Illinois, Indiana, Michigan, Ohio, & Wisconsin) study, which makes sense, because Michigan Farm Bureau is available in the state of Michigan only. I’ll compare the JD Power North Central regional study scores and ratings in 2014, 2013, & 2012 for Michigan Farm Bureau, with the largest national auto insurance companies, such as Allstate, State Farm, Progressive, etc.
2015 North Central Study
Michigan Farm Bureau scored 12 points (on a 1,000 point scale) or 1.2% below the 2015 North Central region average, at 796 out of 1,000 points.
Here is how Michigan Farm Bureau rated in the North Central Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2015:
Policy Offerings: Three Power Circles (about average)
Price: Two Power Circles (lowest rating)
Billing & Payment: Two Power Circles (lowest rating)
Interaction: Three Power Circles (about average)
Claims: Three Power Circles (about average)
Overall Customer Satisfaction: Two Power Circles (lowest rating)
Auto Club Group scored about the same as Michigan Farm Bureau in the 2015 North Central Region study
These companies scored .4% or more higher than Michigan Farm Bureau in the 2015 North Central Region study (from highest scoring company to lowest scoring company): USAA, Auto-Owners, Nationwide, COUNTRY Financial, Indiana Farm Bureau, Hartford, American Family, State Farm, Erie, Progressive, Farmers, GEICO, Allstate, Grange, Liberty Mutual, and Metlife.
These companies scored 1.1% or more lower than Michigan Farm Bureau in the 2015 North Central Region study (from highest scoring company to lowest scoring company): Hanover and Safeco.
2014 North Central Study
Michigan Farm Bureau scored less than 1% below the North Central study average score, with the following companies selling insurance in Michigan, scoring 1.5% better than MI Farm Bureau: Auto-Owners, State Farm, & Grange Insurance.
Michigan Farm Bureau received the rating of three power circles (about average) for auto insurance customer satisfaction, scoring 809 points out of 1,000 points, which is actually 7 points lower (.7%) than the North Central regional average score of 816 points on the 1,000 point scale. In addition to the companies mentioned above, The Hartford scored above MI Farm Bureau by 9 points (.9%). GEICO, & Nationwide scored the same as MI Farm Bureau. Progressive scored 1 point less, and Liberty Mutual scored two points less than MI Farm Bureau, which, considering it’s a thousand point scale, is about the same level of auto insurance customer satisfaction as MI Farm Bureau.
Michigan Farm Bureau rated about average (three power circles) in all categories, but received a four power circle rating (better than most) for the important category of claims. Of the companies scoring about the same as MI Farm Bureau, only Progressive also rated 4 power circles for the claims category. The auto insurance customer satisfaction score for MI Farm Bureau was the same in 2014 as it was in 2013, although it rated higher in 2013, at four power circles (better than most) for overall auto insurance customer satisfaction, due to a lower study average that year (this is a good example of why I say you can’t rely on the power circle ratings without looking at the actual study scores). MI Farm Bureau improved greatly over its 2012 score, by 26 points (2.6%).
2013 North Central Study
Michigan Farm Bureau scored 1.2% above the study average for auto insurance customer satisfaction in 2013, but the following companies, selling insurance in MI, scored 1.4% better than MI Farm Bureau: Auto-Owners, & State Farm. All other companies in the study scored .6% lower or more than MI Farm Bureau.
2012 North Central Study
Michigan Farm Bureau scored 2.1% below the study average for auto insurance customer satisfaction in 2013, and the following companies, available in Michigan, scored much better than MI Farm Bureau, and at least 1% above the 2012 North Central study average: Auto-Owners & State Farm. This was a bad year for MI Farm Bureau, where only Nationwide, The Hartford, and Farmers Insurance scored lower than MI Farm Bureau, and Nationwide was only lower by one point.
Michigan Farm Bureau received the lowest rating of two power circles for auto insurance customer satisfaction in 2012, scoring 783 points out of 1,000 points, which is a significant difference (2.1%) lower than the North Central regional average score of 804 points on the 1,000 point scale.
Bottom line: The following companies provide higher auto insurance customer satisfaction than MI Farm Bureau, as measured by JD Power, consistently over the last four years: Auto-Owners & State Farm Insurance. Other major competitors like Progressive, Nationwide, Liberty Mutual & GEICO provide higher auto insurance customer satisfaction in 2015, and should be considered as possible alternatives to MI Farm Bureau, if they provide better coverage or quote you a much better price for the same coverage.
Source: JD Power Insurance Ratings
Michigan Farm Bureau Complaint Statistics & Ratings
I analyze the most recent three-year complaint records for the Farm Bureau of Michigan insurance Companies in the next two sections for auto insurance complaints and for home (homeowners, condo, renters) insurance complaints. I also look at the growth or reduction in annual premium for each product line, as a possible indication of low or high pricing.
The most frequent reasons for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for claim-related issues, such as delays in a claim payment, unsatisfactory payment of a claim, or denial of a claim. The complaint statistics used in this Michigan Farm Bureau review are the number of upheld complaints filed against each of the Farm Bureau of MI subsidiary companies, with a state’s insurance regulatory authority (usually the state of Michigan, since it is the only state where MI Farm Bureau sells insurance), adjusted for each company’s market share, as determined by the National Association of Insurance Commissioners. This MI Farm Bureau Insurance review provides valuable information to help you decide if MI Farm Bureau is the right insurance company for you. By choosing an insurance company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company the most.
Source: Home & auto insurance complaint ratios & annual written premiums obtained from the National Association of Insurance Commissioners website
3. Michigan Farm Bureau Auto Insurance Complaint Statistics & Ratings
Here’s how I establish my auto insurance complaint ratings:
B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.
C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company.
W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.
Michigan Farm Bureau sells personal auto insurance in Michigan through two subsidiaries, Farm Bureau General Insurance Company of MI and Farm Bureau Mutual Insurance Company of MI.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.15)
2015 US auto insurance premium = $303,614,032
2014 Auto Insurance Complaint Ratio = B (.03)
2014 US auto insurance premium = $289,558,261
2013 Auto Insurance Complaint Ratio = B (.19)
2013 US auto insurance premium = $263,929,498
2012 Auto Insurance Complaint Ratio = B (.12)
2012 US auto insurance premium = $233,889,970
2011 Auto Insurance Complaint Ratio = B (.08)
2011 US auto insurance premium = $216,419,600
Farm Bureau General Insurance Company of MI, available in Michigan only, has an excellent, lower than average auto insurance complaint record over the last five years, with its number of auto insurance complaints, in its worst year during this period, at only 19% of the industry average. The auto insurance market share for Farm Bureau General Insurance Company of MI has increased strongly each year since 2011, which may indicate competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $61,891,769
2014 Auto Insurance Complaint Ratio = B (.15)
2014 US auto insurance premium = $64,889,868
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $64,963,746
2012 Auto Insurance Complaint Ratio = B (.15)
2012 US auto insurance premium = $62,388,845
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $62,004,321
Farm Bureau Mutual Insurance Company of MI also has a much lower than average auto insurance complaint record over the last five years, with its number of auto insurance complaints, in its worst year during this period, at only 15% of the industry average, and no auto insurance complaints in 2011, 2013, & 2015. Farm Bureau Mutual Insurance Company of MI has about 1/4 the number of customers as MI Farm Bureau’s largest auto insurance subsidiary, Farm Bureau Mutual Insurance Company of MI, but the auto insurance complaint history for each subsidiary is equally good. The auto insurance market share for Farm Bureau Mutual Insurance Company of MI was flat between 2013 to 2014, and decreased from 2013 to 2015, which may indicate it no longer has competitive pricing for its auto insurance in Michigan.
4. Michigan Farm Bureau Home Insurance Complaint Statistics & Ratings
Here’s how I establish my home insurance complaint ratings:
B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.
C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company.
W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.
MI Farm Bureau has only one subsidiary company selling home insurance (homeowners, condominium, mobile home or renters insurance), called Farm Bureau General Insurance Company of MI.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.48)
2015 US home insurance premium = $146,752,184
2014 Home Insurance Complaint Ratio = B (.54)
2014 US home insurance premium = $136,090,149
2013 Home Insurance Complaint Ratio = C (1.03)
2013 US home insurance premium = $124,837,732
2012 Home Insurance Complaint Ratio = B (.53)
2012 US home insurance premium = $112,155,025
2011 Home Insurance Complaint Ratio = B (.08)
2011 US home insurance premium = $105,764,992
The home insurance complaint record for Farm Bureau General Insurance Company of MI was better than average in four of the last five years, with its number of home insurance complaints in its worst year (2013) during the most recent five year period at only 3% higher than the the industry average. I prefer to choose insurance companies with consistent lower than average number of complaints year after year. The home insurance market share for Farm Bureau General Insurance Company of MI has increased each year since 2011, which may indicate competitive pricing for its homeowners insurance in Michigan.
5. Michigan Farm Bureau Company Complaints compared to the Complaint Records of Allstate, State Farm, GEICO, & Progressive Insurance.
For personal auto insurance, Michigan Farm Bureau has a superior three year auto insurance complaint record than its major competitors, Allstate, GEICO, Progressive and State Farm.
For home insurance, State Farm has a better home insurance complaint history. Most Allstate subsidiaries have about the same, or better home insurance complaint record than Michigan Farm Bureau had in 2013. GEICO & Progressive sell the home insurance of other companies, acting as an agent, so please look up my insurance company review for whatever company GEICO or Progressive quotes you, to compare its home insurance complaint record against Michigan Farm Bureau. You can see here which companies underwrite home insurance sold by GEICO and Progressive.
6. Michigan Farm Bureau Insurance Review Summary
Michigan Farm Bureau has an excellent history of very low auto insurance complaint statistics, but its 2013 & 2014 JD Power auto insurance customer satisfaction scores are not far from average, and not among the consistent high scoring companies, like State Farm, Auto-Owners, & Erie insurance. In 2015, its JD Power auto insurance customer satisfaction score was more than one percent below average. For homeowners insurance, Michigan Farm Bureau’s most recent home insurance complaint record for 2014 & 2015 is better than average. Strong growth in its home & auto insurance market share may be a sign this company has competitive home & auto insurance rates for at least some customers.
Michigan Farm Bureau Insurance is sold through captive insurance agents primarily representing Michigan Farm Bureau only, and cannot sell or quote you the policies of other insurance companies, except possibly if you are not eligible for coverage through Michigan Farm Bureau. Consider Michigan Farm Bureau if it has competitive auto or home insurance rates for you or better coverage, and you feel confident the MI Farm Bureau agent helping you, will provide the excellent customer service you deserve. Don’t rely on speaking with only a few agents to shop the auto & home insurance market. I always recommend speaking with all the major companies in your state, or agents representing them, to make sure you get the best advice, don’t overpay for your auto, home, or life insurance coverage, or fail to have the right coverage you need if you have a claim.
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