Farm Bureau Insurance Of Michigan
Reviews and Complaints

Our car battery died Saturday evening so we called farm bureau roadside assistance just to find out their only phone was out of service. We were stranded and had to bother a friend to come and rescue us! Unacceptable!
Then Sunday called them again to set up a tow truck service to come and get out car. We were very specific we needed someone to our house by 7:00am because I had a morning appointment. No one came and when I called farm bureau, right away, Beth - the woman who answer the phone- started giving excuses for the towing company saying they were probably in traffic. A towing company has to allow time for traffic if they commit to a set time of service. And farm bureau should try to help me and not make excuses for them. Last time we needed a tow truck it was the same thing - It took over an hour after they called the closest one! Either they have to get better providers, not promise on a time or put pressure to get the service done in a timely matter. So irritating!

I bought a house in 2012, and got my homeowner's insurance through Farm Bureau. I asked for "coverage that pays my mortgage in case anything happens to my husband because I cannot afford it on my own", she assured me she gave me this coverage. I did not know it was called mortgage protection until I was watching FBN about 6 months ago, then I checked and realized she NEVER gave me that coverage, she LIED to me. She also never bothered to update my phone number when I gave it to her. This has done me irreparable damage because 1 year ago, my husband was diagnosed with cancer. Now I just cannot get mortgage protection insurance even though I asked for it and should have had it, DO NOT trust this company and DO NOT believe their lies.

My parents have been with this company for over 50 years with no claims on the house and insurance was dropped. the reason was my father had built a practice ball field and had some sheds with his tractors parked in them. Sad to say the company still took premiums for the next tens years with every thing the same. i believe they should be given their money back that they paid in for those years.

On december 23 my home was vanalized 25, 000 worth of damage. I've had my insurance with Farm Bureau since 1991 paid in over 100, 000 in premiums and this was my first claim. Because we were doing some remodling and all our furniture wasn't in every room they denied the claim since the criminals might have thought we weren't living there. Basically a loop hole in the policy not to pay for the damage to my home the very reason I pay insurance premiums. Run from farm bureau as fast as you can!

I am in utter shock about the way I have been treated by Farm Bureau Insurance Company after I filed a claim with them regarding damages to my home. On August 8, 2010, a 25 ft. tree limb (which was green and had blooming leaves on it) fell on top of my carport (which was attached to the home) causing much structural damage to the carport and the vehicle parked underneath. PLEASE NOTE THAT THE WEATHER WAS BEAUTIFUL OUTSIDE, NO WIND, NO BAD WEATHER OR STORMS.

I spoke with the local adjuster, Chris Fontenot, on the phone and Mr. Fontenot proceeded to tell me that the damages would have to fall under the "wind, storm damages" portion of the policy. I told him that the weather had been beautiful all day...blue skies, no rain or wind. Mr. Fontenot stated that my deductible would be $4, 700.00 instead of the usual $2, 000.00, and that this incident DID fall under the wind storm portion of the policy. He also insinuated that if I did not agree with his judgment, then he would file it under the "falling objects" portion of the policy. Conveniently, NO POLICY OF FARM BUREAU'S COVERS "FALLING OBJECTS".

The adjuster did not even bother to write down all of the damages to my home, 4-wheeler and automobile on the estimate of damages. Not only are they not going to pay for helping me get my home back in one piece - they have also stated that the vehicle that was underneath the carport structure is not their problem to repair. WHAT IF THAT PERSON DID NOT HAVE FULL COVERAGE ON THEIR VEHICLE? THEN IT WOULD HAVE BEEN UP TO ME TO COME UP WITH THE MONEY TO FIX THEIR CAR SINCE IT WAS ON MY PROPERTY...

I have paid premiums to this insurance company for years. I have my home, vehicle and life insurance with Farm Bureau. I am appalled that I have paid in so much money to them and have had nothing but condescending idiots to deal with. From Supervisors to Adjusters, I have had nothing but pure hell with these people. I am getting all the information together that I can to bring to a local attorney in hopes of putting a stop or at least a slow down to this illegal mess.

I am definitely changing insurance companies and will make certain that I warn others of this fiasco.

WHY WOULD I HAVE EVEN PURCHASED INSURANCE IF THEY ARE NOT GOING TO COVER ANY MISHAPS. Isn't that what insurance is for?...ACCIDENTS...

Beware insurance policy purchasers.

I was injured in auto accident and had P I P coverage with Farm Bureau, they refused to pay and used delay tactics to put me off until they could no longer and found bogus reasons to not pay in the end!
Yet they claimed on my record that they HAD paid me $3, 441.00 which they did not pay.
I have a complaint en route to the BBB, The Office of Insurance Regulation, (which prior assisted Farm Bureau in their negative response), The Flint Journal and Farm Bureau themselves, trying to get someone to listen to me.

Isn't a contract a contract?
Is it fraud that they claimed for a year and half that they paid me, when they didn't?

I owned a business with a partner and we decided to use Farm Bureau for all of our company insurance. My business partner owned another company and had many employees working for him in that company. In the middle of the night, he (or an employee or employees of his) came into my store and picked up everything he bought into the company with and left. In the process they actually took some of the equipment I owned. I filed a theft case with the police department and also a claim with Farm Bureau. They DENIED my claim because he was a business partner. Now, like I told the claims guy, I do not have proof of who took the items from the store. It very well could have been an employee of his that he gave the key and the alarm code too. Help me get Farm Bureau to pay the claim. It is a theft.

One of Farm Bureau's insureds made a left turn in front of my daughter causing her to broadside his vehicle. He was cited for failure to yield. There was a witness. That was 3 weeks ago, Oct 12, 2009. The adjuster, Jeremy VanCuren, keeps dragging his feet on settling the claim. He has twice told me that he was going to the salvage yard to look at the car - as of yet he hasn't done it. He won't approve a rental and he never calls me when he says that he will call. As of yet, we still do not have vehicle to drive and can't get any where with this agent. In fact, as of last Wed he had not even got the police report yet. My daughter offered to being him a copy of the one that we had. He declined the offer. He doesn't want to settle - I guess he thinks that if he just keeps dragging his feet we will get tired and just settle. All he is doing is making me mad - I'm thinking of getting an attorney.

My elderly parents (age 83 and 84) have been with FarmBureau insurance for almost 15 years. They have been basically claim free on both their home and car until this past year. A claim was file on the vehicle for a damaged side mirror that was replaced and several months ago, their front door was kicked in, and the door had to be replaced.

They received a letter indicating their insurance would not be renewed because of too many claims. I was completing taken back since they have been loyal customers for years. I assume the only thing Farm Bureau wants is your insurance premiums with no claims. I called the agent Clesste Bunde in Omaha, NE to discuss the matter, and she did not return my call. So much for service.

Recommendation, STAY AWAY FROM FARM BUREAU INSURANCE.

A Farm Bureau Insurance agent, Kevin Wcisel, used his client association with my 81 yr old father to garner a PERSONAL loan. They have done business together for several years.

Mr. Wcisel offered to pay an interest rate of 44% on a loan of 10, 000.00.

This was an unsecured loan written to him personally with out family knowledge or consent.

After contacting the District Manager, Dave Ward, I was informed that "nothing illegal occured". what about corporate ethics? Can that possibly be acceptable conduct of an employee?