Texas Farm Bureau Insurance

When it comes to insurance in Texas, one name stands out for its local roots, competitive pricing, and personalized service—Texas Farm Bureau Insurance (TFBI). For decades, it has provided coverage that’s not just about policies and premiums, but about protecting the livelihoods, vehicles, homes, and dreams of Texans. 

A Brief History of Texas Farm Bureau Insurance

Founded in 1952, Texas Farm Bureau Insurance was created to meet the insurance needs of farmers, ranchers, and rural families. Over time, it expanded its services to all Texans, whether they live in urban Houston, suburban Dallas, or rural West Texas.

TFBI operates as part of the Texas Farm Bureau, the largest agricultural organization in the state. Membership is required to access its insurance products, but joining comes with benefits like travel discounts, equipment savings, and advocacy for rural communities.

Insurance Products Offered by TFBI

Texas Farm Bureau Insurance provides a wide variety of coverage options, including:

Auto Insurance

• Liability, collision, and comprehensive coverage

• Uninsured/underinsured motorist protection

• Roadside assistance and rental reimbursement

• Affordable rates and multiple discounts

Homeowners Insurance

• Coverage for your house, personal belongings, and liability

• Protection against fire, theft, wind, hail, and other perils

• Optional flood insurance through the National Flood Insurance Program (NFIP)

Farm & Ranch Insurance

• Tailored coverage for livestock, crops, farm equipment, and outbuildings

• Liability protection for farming operations

Life Insurance

• Term life and whole life insurance plans

• Flexible policies for family protection and estate planning

Business Insurance

• Commercial property, liability, and workers’ compensation coverage

• Specialized plans for small and mid-sized businesses

Health & Supplemental Plans

• Health coverage options, including supplemental accident and disability policies

Membership Requirement

To buy insurance from Texas Farm Bureau, you must become a member.

• Membership Fee: Varies by county, typically $35–$50 per year.

• Perks: Discounts on hotels, car rentals, theme park tickets, farm equipment, and more.

Why Texans Choose TFBI

✔ Local Expertise – Agents live and work in the same communities as their clients.
✔ Affordable Rates – Premiums are often lower than many national carriers.
✔ Strong Financial Stability – Rated “A” (Excellent) by AM Best.
✔ Personalized Service – One-on-one support instead of call center runarounds.

Average Costs

While rates vary by coverage type and personal circumstances:

• Auto Insurance: Around $1,500–$1,600/year for full coverage

• Home Insurance: Around $1,300/year for standard homeowners coverage

• Life Insurance: Term life starting at around $20/month for healthy applicants

 Available Discounts

• Multi-policy bundling

• Multi-vehicle discounts

• Good driver and defensive driving discounts

• Good student discounts

• Low mileage savings

• Safety equipment discounts

Pros & Cons

Pros	Cons
Competitive rates for Texans	Membership required
Wide range of products	Limited to Texas residents
Excellent local customer service	Fewer digital tools than some national insurers
High satisfaction ratings	Limited nationwide recognition

Final Takeaway

Texas Farm Bureau Insurance isn’t just an insurance provider—it’s a community-focused organization dedicated to protecting Texans. Whether you need coverage for your car, home, farm, or life, TFBI offers affordable, reliable, and locally tailored solutions backed by agents who understand your unique needs.

For Texans who value hometown service and member benefits, it’s hard to beat what TFBI offers.

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