Feeling lucky? You could win TWO FREE TICKETS to the Cy-Hawk football game in Iowa City on Saturday, September 12. Just take our short quiz, then enter to win!

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If your home is destroyed, your coverage will always replace it with a new one just like the old.

True

False

Not necessarily.

False

It depends on the policy you purchased. If your home is insured with Replacement Cost Coverage, it could be replaced with a new one just like the old. That is not the case with Actual Cash Value Coverage. The important thing is to ensure your coverage accurately reflects the value of your home. Your Farm Bureau agent can help you choose what is right for you.

If your roof is damaged by wind or hail in a storm, your coverage will pay the full cost to replace it.

True

False

It depends.

It depends.

Your roof coverage depends on your personal policy. Like many insurance providers, we apply a Roof Payment Schedule to wind and hail roof claims. In general, newer roofs qualify for more coverage than older roofs. Long-time Farm Bureau client/members can qualify for enhanced roof coverage that provides benefits beyond that of any other carrier. You can see our Roof Payment Schedule on fbfs.com.

Driving over the speed limit will keep you from earning a discount on your auto policy.

True

False

Not necessarily.

False

Although we don’t recommend it, a little speeding here and there won’t take you out of the running for savings. With Farm Bureau’s Driveology^® program, every driver who enrolls saves 10%, but those who practice good driving habits are saving an average of $351 per vehicle on their auto policy.

Life insurance is generally too expensive for most people to afford.

True

False

It depends.

False

Most people overestimate the cost of life insurance. Often by as much as 10 times the actual cost! It’s true premiums tend to be lower when you’re younger and healthier, but coverage can be affordable at any age. Farm Bureau offers three types of life insurance: term, whole and universal life insurance. Each can be tailored to your needs.

Having a local agent can save you headaches.

True

False

True

Working with a trusted, local agent means having someone you can count on – when storms hit, when your kid starts driving, when it’s time to think about retiring. With all these things and more, when life gets complicated, you need someone who understands what’s at stake. Someone who can help take the mystery out of insurance. Farm Bureau agents pride themselves on being responsive, reliable and knowledgeable.

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