Farmers Union Insurance is a company that provides various types of insurance products and services to individuals, families, farmers, and businesses.
The company has a long history of serving the needs of rural and urban communities across the United States.
It is also a subsidiary of National General Holdings Corp., which is one of the largest personal lines property and casualty insurance companies in the country.
Farmers Union Insurance Contact Information
If you want to get a quote, find an agent, report a claim, or get more information about the company, you can use the following contact information:
| Information | Contact Details |
|---|---|
| Phone Number | – Toll-Free: 1-833-291-3588 |
| – Toll-Free Claims Department: 1-866-NFU-LOSS (1-866-638-5677) | |
| – National Office: 1-(800) 347-1961 or (303) 337-5500 | |
| Address | – Physical Address: 8101 E Prentice Blvd, Suite 500, Greenwood Village, CO 80111 |
| – Correspondence Address: Farmers Union Insurance, P.O. Box 3199, Winston-Salem, NC 27102-3191 | |
| – Payments Address: Farmers Union Insurance, P.O. Box 89431, Cleveland, OH 44101-6431 | |
| – Overnight Payments Address: Farmers Union Insurance, Attn: Lockbox Operations, 800 Superior Ave. East, Cleveland, OH 44114 | |
| – Headquarters: 1410 Dakota Ave S, Huron, South Dakota, 57350 | |
| Customer Service Contact | – Online Form: Available on their website |
| – Email: info@fumic.com (for Farmers Union Insurance) or info@nfu.org (for the national office) | |
| Policy Details | – Request a Quote: Available through an online form on their website |
| – Product and Service Information: Available on their website | |
| – Contact a Local Agent: Visit their website for local agent information | |
| Email Address | – info@fumic.com (for Farmers Union Insurance) or info@nfu.org (for the national office) |
| Fax Number | – 1-877-849-9022 |
| Operating Hours | – Operating hours not specified; contact during normal business hours in respective time zones |
| – Email or fax for prompt responses |
Farmers Union Insurance Products and Services
It offers a wide range of insurance products and services to meet your personal and professional needs.
Some of the types of insurance offered by the company are as follows,
Auto Insurance
It offers these coverage options to fit your needs; liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, rental reimbursement, towing and labor, and roadside assistance.
Home Insurance
The company offers comprehensive policies with coverage and discount options made to suit various different types of homes, budgets, and unique situations.
These coverage options include dwelling, personal property, liability, loss of use, identity theft protection, and personal injury.
Farm Insurance
The company cover for your farm operation from perils including fire and lightening, wind and hail, explosion, aircraft and vehicle damage, smoke damage, theft, vandalism, overturn, and collision.
Coverage options here includes farm dwelling, farm personal property, farm liability, farm umbrella, farm auto, livestock mortality, crop hail, and multi-peril crop insurance (MPCI).
Ranch Insurance
For your ranch operation coverage is similar to farm insurance, but with additional options such as equine liability, care custody or control (CCC), animal collision coverage (ACC), livestock gross margin (LGM), and pasture rangeland forage (PRF).
Commercial Insurance
Covers your business assets and operations from various risks such as fire, theft, vandalism, liability lawsuits, business interruption, workers compensation, commercial auto, commercial umbrella, cyber liability, inland marine, and bonds.
Telecommunications Insurance
It offers specialized coverage for rural telecommunications companies that provide phone, internet, cable TV, wireless services.
Coverage includes property damage to buildings and equipment, liability for bodily injury or property damage to third parties, errors and omissions for professional services, directors and officers liability, employment practices liability, cyber liability, crime, equipment breakdown, business income, inland marine, auto, umbrella, and workers compensation.
Life Insurance
This is a protection for your loved ones in case of your death.
Options include term life insurance that provides coverage for a specified period of time, whole life insurance that provides coverage for your entire life and builds cash value, universal life insurance that provides flexible coverage and cash value accumulation, and annuities that provide guaranteed income for retirement.
Farmers Union Insurance also offers special packages or bundled services that can save you money and provide you with more comprehensive coverage. For example:
Package Discount
Get a multi-policy discount when you also insure your auto or farm with the company.
Client Longevity Discount
Offered to insureds who have either been insured with Farmers Union Insurance for three or more years or come to the company having been continuously insured with their prior company for three years or longer.
Updated Home Discount
This is offered to insureds who have made full updates to their homes structure and systems to keep wear and tear related risks at a minimum.
Claim Free Discount
With the company you receive a discount on your policy for maintaining a clear claim history.
Good Student Discount
This is offered to students who maintain good grades.
Safe Driver Discount
This discount is offered to drivers who have a clean driving record.
Good Credit Discount
It is offered to insureds who have a good credit score
International Coverage
Farmers Union Insurance also provides international coverage for some of its products and services. For example:
Auto Insurance
With the company’s auto insurance, coverage extends to Canada and Mexico under certain conditions and limitations.
Farm Insurance
With this coverage extends to Canada for farm personal property and farm liability.
Commercial Insurance
Coverage here extends to Canada, Mexico, and other countries depending on the type of business and the policy.
Temporary or Short-term Policies
Farmers Union Insurance also offers temporary or short-term policies for some of its products and services. For example:
Auto Insurance
For short-term policies, the company covers for rental cars or borrowed vehicles.
Home Insurance
The company covers for vacant homes or seasonal homes.
Farm Insurance
It also covers for leased or rented farm equipment or livestock.
Commercial Insurance
Coverage for special events or short-term projects are also offered by the company.
Farmers Union Insurance Claims
The company is committed to providing you with a fast and fair claims service.
If you experience a loss or damage to your property or liability to others, you can report a claim by calling 1-866-NFU-LOSS (1-866-638-5677) or contacting your local agent.
Here is what you can expect during the claims process:
Investigation of the facts
A highly trained claims representative will contact you within 24 hours of your claim.
He or she will gather the facts of the loss from everyone involved in the claim, then review your policy to confirm applicable coverages and limits.
Determination of damage
An experienced claims representative will assess your property or liability to determine the amount of repairs needed or compensation owed.
He or she will provide you with this information as quickly as possible in damage and repair estimates.
The company partners with more than 250 auto repair facilities and Enterprise Rent-a-Car to help you arrange all needed repairs and rental services.
Farmers Union Insurance also guarantees its claims repairs.
Resolve and complete your claim
The final step is to work with you or the other party directly to complete all applicable paperwork needed to document your loss.
The company will pay you or the other party the agreed amount, minus any applicable deductible.
Farmers Union Insurance’s goal is to get your property back to pre-accident condition and get your life back to normal as quickly as possible.
Farmers Union Insurance Coverage Details
Understanding your Farmers Union Insurance policy is essential.
In this section, you will learn about policy exclusions, coverage limits, deductibles, and optional add-ons or riders to make informed choices and tailor your coverage to your needs.
Policy Exclusions
Farmers Insurance policies commonly exclude intentional acts, war, nuclear hazards, earth movement, water damage, mold, wear and tear.
Some of these exclusions can be covered with additional endorsements or riders for an extra premium.
Coverage Limits
Coverage limits vary based on your policy type and selected coverage.
For homeowners insurance, choose between actual cash value (ACV) or replacement cost (RC) for dwelling and personal property.
Liability limits can be $100,000, $300,000, or $500,000 per occurrence.
Farm insurance options include blanket or scheduled coverage for buildings and structures and basic or broad form coverage for machinery and livestock.
Deductibles
Deductibles depend on your policy type.
Homeowners can select deductibles of $500, $1,000, $2,500, or $5,000 per occurrence.
Farm insurance offers deductibles of $250 or $500 for buildings and structures and $100 or $250 for machinery and livestock.
Add-Ons or Riders
Customize your policy with optional add-ons or riders.
For homeowners insurance, available options include personal injury coverage, protection for additional residences, and business pursuits coverage.
Farm insurance offers farm advantage endorsements with added coverages like debris removal and lock replacement.
Frequently Asked Questions (FAQs)
Here are some frequently asked questions about Farmers Union Insurance:
How do I check the status of my claim?
You can check the status of your claim by logging in to your account or contacting your claims representative or local agent.
What documents do I need for my claim?
The documents you need for your claim depend on the type and severity of your loss.
Some common documents include police reports, photos, receipts, invoices, estimates, medical bills, proof of ownership, etc.
Your claims representative will tell you what documents you need for your specific claim.
How long does it take to approve my claim?
The time it takes to approve your claim depends on the complexity and circumstances of your loss.
Some claims can be approved within a few days, while others may take longer.
Your claims representative will keep you updated on the progress of your claim and work with you to expedite the process as much as possible.
How do I get a copy of my claim report?
You can get a copy of your claim report by contacting your claims representative or local agent.
You can also request a copy online by filling out the form on their website.
How do I file a complaint about my claim?
If you are not satisfied with the handling or outcome of your claim, you can file a complaint by contacting your claims representative’s supervisor or manager. You can also file a complaint online by filling out the form on their website.
Conclusion
Farmers Union Insurance stands as a prominent insurance provider, deeply dedicated to its customers and communities.
Their extensive portfolio covers various insurance products, encompassing auto, home, life, and business insurance.
Renowned for their top-notch customer service and unwavering financial stability commitment, Farmers Union Insurance emerges as a compelling choice for those seeking comprehensive coverage at competitive rates.
With a well-established history of achievements and a robust standing in the insurance sector, they’re a formidable option to explore.
For more information Contact Farmers Union Insurance today to learn more about how they can help you protect your assets and your loved ones.
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