Beware: filing legitimate claims can result in the losing the policy! I've been a Farm Bureau customer for 25 years (and my parents for 55 years) and was so disappointed by how poorly my homeowners insurance was handled this year. In mid-November, I received a single mailed letter saying my policy would not be renewed in two weeks due to "claims history" and "condition of the home." I received no email, no portal notifications, and no communication from my agent before this letter arrived. This was upsetting because my home is in excellent condition. I had just completed $60,000 of professional remediation for water damage, and the adjuster confirmed that I did not need a new roof or have maintenance issues. I did file two claims this year (my first claims ever) after Hurricane Helene: they were very small--under $3,000 total--and both related to the same water damage, but Farm Bureau treated them as separate claims. This "claims history" made it very difficult to find new homeowners insurance. My agent, Bruce Johnson, told me he didn't know the policy had been cancelled. After that call, he never returned any of my calls again. I had to visit the office in person for help. Finally, Farm Bureau failed to properly cancel my auto policy and then withdrew nearly $600 from my account. I was told it could take a month to get this money back. After decades of loyalty, this has been deeply disappointing. Homeowners deserve to know that even filing small, legitimate claims can put your coverage at risk. read more

After over a decade with NC Farm Bureau, they dropped us after completing claims for tree damage to our home and cars. They refused to give any rational explanation to dropping our policy, which leaves only the obvious answer: Heaven forbid an insurance company have to uphold its side of their agreement and pay out on legitimate claims. Look elsewhere, this company is clearly getting desperate and taking it out on their long-standing customers. The agent even said he was "blindsided" by how many people he's having to call. By the way, they canceled our policy a week before calling us. We had no idea. read more

1 star because zero isn't an option. It is now day 5 of calling them about a claim. This morning was the 3rd time I've called their office because their claim agent STILL has not contacted me. I was told I would just have to keep trying. Told them this is day 5 of waiting. I was told "We don't work weekends, so you can't count those days". I guess Farm Bureau clients are only insured during business hours. God help you if this is your insurance company. And God help you even more if one of their idiot clients turns directly in front of you and totals your car. They are in no hurry to help. read more

Horrible to deal with. My daughters car was hit and totaled by their insured driver. 100% their drivers fault. The insurance adjuster is beyond incompetent, couldn't find the file etc for three days. Once he found out he had it all along, he low-balled the offer. Cash value of the car is $12800 by their methods yet only offered $10600. Only reason was they said theydon't pay to replace cars. The comps they claimed to use didn't exist. Pointed that small fact out to them and they immediately upped the offer to $13000. Literally is a scam. They suck to deal with read more

My house insurers recently withdrew from NC (climate change) so I was seeking new insurers. I had Progressive for the car, but their joint car/house insurance was rather expensive. In the end I chose Farm Bureau for both. Recently we were involved in a car accident (the other driver was liable) and we found out how really good FB is. They have been efficient, helpful, friendly - truly excellent. I cannot praise them enough. I hope I don't need to test out their House Insurance....... read more

15 years ago, a claim was filed after my upstairs neighbors had a plumbing leak to repair my unit. I was informed I only had $1000 coverage for the condo unit, not a $1000 deductible. 15 years later after thinking this was fixed, the same thing just happened. The adjuster did not report or photograph the mold damage, did not offer the displaced living insurance coverage nor the personal property coverage that I have. My friend after several phone calls to the adjuster and insurance office realized I had the additional coverage this time around. I am blind and deaf, so I depend on the honesty of others. This company is horrible, and I will be changing as soon as I finish remediating the damage for over $27,000 to my bathroom and closet. read more

I recently was involved in a car accident with NC Farm Bureau being the insurers company of insurance. NC F.B. has been nothing but slow to respond to me. They've taken two business days to even get me in contact with the right adjuster. Unfortunately for me they don't seem to have any sense of urgency to help me with my matters. It has taken an entire business day for them to refer me to a new adjuster. I was told early in the morning on 9/10/2025 that a new adjuster would be reaching out to me and it is currently 9/11/2025 and the adjuster dealing with my claim has not even reached out to me. No information was given to me to even know who the adjuster was. It was up to me to contact the Bureau to even know his name. My car accident was on 9/9/2025 and by the end of 9/10/2025 my insurance National General has already deemed me to not be liable for the accident. I am only waiting on NC Farm Bureau. This is more than upsetting. Their communication towards me has been very poor. read more

Insurance adjuster came out after a hail storm. Said getting out of car he wasn't going on the roof. Then asked me why he was here? Continued to ask questions to test me like I was trying to scam him. Got a drone out and took some pictures said he saw nothing. We have a 5 minute video of the hail storm. Neighbors on both sides and across the street having roofs replaced due to the same storm. Inspector said we must have been on the "edge of the storm". Sent 3rd party out to walk the roof. 3rd party saw damage. Multiple roofing companies see damage. We now have leaks. I would not use this company. They are not about helping. " This adjuster gets the company 1 star for the company. Zero is not an option. Sorry you had to do your job and drive to our house MM out of Greensboro. read more

Pay the claims after paying premiums left needing families in North Carolina high and dry.

Absolutely DO NOT use farm bureau. Awful, terrible service. They're cheapest for a reason. Billing; they can't figure shit out, after hurricane Helene, i had to call the state commissioner to get them to respond. 1 star is way, way to high. PLEASE, PLEASE HEED THIS WARNING. You are gonna be screwed over by this turd company. DO NOT USE FARM BUREAU...........EVER. read more

This is the worst insurance company I have ever dealt with. And the claims representative is horribly rude. I have a claim from and accident where there insured was at fault and they are beyond unreasonable to deal with. read more

I don't know how the insurance commission even allows this company to sell insurance. That's all they do is sell it but when it comes to paying out they get an F-. They will do anything they can to weasel out of paying any claim. My Son borrowed money from the Farm Service Admin. to purchase cows. They told him that he had to have insurance so he purchased it from "Farm" Bureau thinking they would have a farmers best interest in mind. Think again! They have screwed him out of multiple claims which has left it very difficult for him to make his cow payments They also denied a home robbery claim in which he lost thousands of dollars worth of goods because they said he waited too long. The investigation, however, was ongoing for several months and they were waiting to get the final tally of recovered items from the police so they didn't claim something that they didn't actually lose. This company is absolutely the WORST! Buy insurance anywhere else but don't buy from them. If you do, don't plan on them having your back. read more

This is the worst insurance company that I have ever dealt with, and I have had both home and car insurance with them. I have used GEICO and Allstate, and both are worlds ahead of Farm Bureau. read more

You can insure with these folks, just don't make a claim! I insured two cars, a home and an umbrella policy with them for six years and never once made a claim. In fact I've never made an insurance claim in my life. In March I discovered the hard way a water pipe leading to a hose fixture had frozen during the winter. It was on a Sunday afternoon. I tried finding a NCFB emergency number on line or on the business card of my agent, but they purposely don't list one. I finally got an auto msg from the local office giving me the number for the "agent on duty," only he wasn't on duty. Repeated calls only elicited msgs on the other end. I finally heard from the guy about 2.5 hours later telling me he had been "out gardening." Make a long sorry story short: the adjuster, a complete non-commuicator during the process, screwed me on the values of lost items. They also nickeled-and-dimied the demolition company bill by taking them to arbitaration. After it was all over, I expected to receive a customer satisfaction survey... and I was going to let them have it A survey never arrived. But today, several months after the incident, I did get a letter from them: DROPPING ME! Can you believe it? The reason they stated in the letter was that "we no longer with to insure doube-wides more than 20 years old." Guess what? I don't live in a D-W; I live in a regular home with foundation etc. This is a good break. I will find an insurance company which is there when you need them; not one only good for collecting premiums. read more

We had been with Nationwide for many years and wanted to try someone local when we moved back. We had multiple floors with water damage after a major ice and wind storm. The adjustor sent didn't come out until a temporary patch was placed and decided before a roofer or even himself had looked at the roof that it wouldn't be covered even though we had several large rain storms just prior with no leaks he called it a "maintenance issue". We contacted Nationwide just to give them the scenario and they told us it was ridiculous that Farm Bureau wouldn't pay for this. We also got the opinion of an independent adjustor which stated this was unethical. We are in process of waiting for all accounts to be switched back to Nationwide. I did attempt several times to resolve this with our agent-Shane Decker, he was clearly not working for us, just towing the company line. read more