Kentucky Growers Insurance Company Review

We've looked at over 1,000 insurance companies, rating them on strength, accessibility, and service to find the best ones. Here's what people think about Kentucky Growers.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


Kentucky Growers Insurance Company at a Glance

  • Founded in 1896
  • Rated "A-" (excellent) by AM Best
  • Rated "A+" (excellent) by the Better Business Bureau (BBB)
  • Offers several forms of coverage
  • Coverage only available in Kentucky

Kentucky Growers pros: Highly rated by AM Best and the BBB. Long-standing carrier with more than a century and a quarter's worth of experience.

Kentucky Growers cons: Coverage highly limited to one state. Official website does not provide much information about coverages, discounts, or claims processing. Many negative customer reviews. Virtually no social media presence.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does Kentucky Growers Offer?

Here's an overview of the products offered by Kentucky Growers.

  • Homeowners insurance
  • Farm insurance
  • Church liability insurance
  • Farmers comprehensive personal liability insurance
  • Farm property insurance
  • Seasonal homes insurance
  • Mobile homes insurance

This list of products offered by the companies under Kentucky Growers is not exhaustive. Your independent insurance agent can help you find more information about the coverages offered by Kentucky Growers insurance companies, and help you decide if this company is right for you.

What to Know about Kentucky Growers

Kentucky Growers Insurance Company was founded in 1896, giving the carrier more than a century and a quarter's worth of experience in the insurance industry. The insurance company offers property and casualty insurance to residents and farmers in the state of Kentucky. Kentucky Growers provides important coverage for farmers and homeowners alike, as well as for other workers like church owners.

Thanks to their coverages offered and demonstrated financial strength, Kentucky Growers has earned itself a reputation as a stable company with a strong future outlook. AM Best gives the insurance company an overall “A-” rating, indicating the carrier is an excellent choice for insurance customers.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 


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What Discounts Does Kentucky Growers Offer?

Kentucky Growers does not make information about its discounts readily available, and the discounts likely vary by specific insurance company. However, an independent insurance agent can help find these details for you. Independent insurance agents work hard to find you the most affordable coverage that still gets the job done right.

Kentucky Growers Customer Service

Here's a breakdown of Kentucky Growers's customer service options.

  • Phone contact option
  • Email contact option
  • Snail mail contact option
  • Phone customer service department does not specify hours

To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

Kentucky Growers FAQ

What is Kentucky Growers's average claim response time frame?

Kentucky Growers does not specify a claims response time frame.

What is Kentucky Growers's customer service availability?

Kentucky Growers does not specify their phone department's contact hours. The carrier does allow customers to contact them via email or snail mail, as well.

What is Kentucky Growers's claims process?

Kentucky Growers does not make much information about its claims process available. However, an independent insurance agent can actually file claims for you, as well as keep you updated through every step of the process.

Does Kentucky Growers create a user-friendly experience for customers?

Kentucky Growers's official website would benefit from adding more details about the carrier's coverage, discounts, and claims process. The carrier also does not appear to have much of a social media presence, if any. Overall, Kentucky Growers falls quite far behind in the user-friendliness department.

Does Kentucky Growers have good farm insurance?

Kentucky Growers offers several forms of coverage, including those for farmers. The carrier offers the following types of farm protection.

  • General farm insurance
  • Farm property insurance
  • Farmers comprehensive personal liability insurance

An independent insurance agent can help you find more information about Kentucky Growers's farm insurance, as well as their other products offered.

Is Kentucky Growers a good insurance company?

Kentucky Growers is highly rated by both AM Best and the BBB. However, the carrier does not provide much information about its coverages or claims processing, and customer reviews lean towards the negative. So it's difficult to call Kentucky Growers a good insurance company overall.

Kentucky Growers Customer Reviews

Think twice before buying a policy from Kentucky Growers Insurance, my roof repair is $8,172.27 they will only pay $4,664.25 I am responsible for the $3,508.02 I have been with Kentucky Growers since 2000 and this is the thanks I get. Think twice!!!

This company has the WORST customer communications of any I have experienced, their standards and criteria are less than defined. They do not work with customers, but are happy to accept monies for years without any claims and when they send notice of cancellation, their reasons are as clear as mud. They have NO regard for elderly or disabled people, and are lacking respect.

I took out my homeowners policy with Kentucky Growers Insurance about 20 years ago through a local agent. Everyone is very friendly and efficient at the local level. I have never had to file a claim, so I can't review that part, but they have always had very competitive rates. They also have online bill pay.

Did not reply to any emails sent to them! Sent several emails about my renter's insurance, and never received a reply to one email!

They were okay. But did not respond to things in a timely manner. Did not respond to several emails that were sent.'s Final Review

We award Kentucky Growers Insurance Company a final rating of 1.5 out of 5 stars. The carrier is highly rated by the BBB and AM Best. However, customer reviews seem to lean heavily towards the negative. Kentucky Growers also lacks the social media presence most modern carriers have.

Kentucky Growers offers several important coverages, but their reach is highly limited to one state. The insurance company also does not provide much detail about their coverages, claims processing, or discounts. 

Overall, we recommend working together with an independent insurance agent to survey all your options for quality coverage, and perhaps skip looking into Kentucky Growers all together.

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