An Alternative to Kentucky Farm Bureau — Without Leaving Kentucky
Kentucky Farm Bureau has served this state a long time. If your KFB rates are climbing or your membership dues stopped feeling worth it, the Boswell Agency in Murray gives you another option — with 5 carriers and an office on N 16th Street.
Compare My KFB Rate Call (270) 925-1524Why People Look for a Kentucky Farm Bureau Alternative
KFB is a Kentucky institution. A lot of our clients grew up with their parents’ KFB policy and stayed with it themselves for the same reason — it was just what people did. There’s nothing wrong with that. But the insurance market has changed a lot in the last few years, and Kentucky drivers and homeowners are seeing larger renewal increases than they used to. When that happens with a captive carrier like KFB, the agent’s hands are tied. They only sell one product.
That’s the gap an independent agency fills. We’re not trying to talk anyone out of KFB — we’re just here to give you a real comparison so you can decide on something other than habit.
You Don’t Have to Be a KFB Member to Get Great Local Service
Membership has its place. But your insurance shouldn’t require a membership to be priced fairly. With the Boswell Agency, there’s no dues, no membership card, and no requirement to belong to anything. You’re just a client — and we work for you, not for one specific carrier.
The local part you like about KFB doesn’t disappear when you switch to us, either. We’re an independent agency, but we’re also a Calloway County business. Blake Boswell, the owner, lives and works in Murray. When someone calls our office, it’s a real person in town who picks up.
Captive vs. Independent: Why It Matters for Your KFB Renewal
| What you care about | Kentucky Farm Bureau (captive) | Boswell Agency (independent) |
|---|---|---|
| Carriers represented | One: Kentucky Farm Bureau | Erie, Progressive, Auto-Owners, Foremost, Seaworthy & more |
| Membership required | Yes, annual dues | No |
| What happens at renewal | You take the new rate or shop yourself | We re-shop across our carrier lineup |
| Claims process | KFB adjuster handles it | Your agent advocates with the carrier on your behalf |
| Bundle flexibility | All policies must be with KFB | Mix carriers however gets you the best total |
| If KFB non-renews you | Restart with a new agency | We move you internally, same agent |
How a Switch from Kentucky Farm Bureau Actually Works
Most KFB clients we move over take about fifteen minutes of their own time to complete the whole process. Here’s the simple version:
- Send your current KFB declarations page. Snap a photo or email the PDF. We rebuild your coverage exactly — same limits, same deductibles — so the comparison is honest.
- We run your information through our carriers. You usually get back 3 to 5 real quotes within a day. Sometimes the next morning if you reach us in the afternoon.
- You pick the option that wins. If KFB still wins, we’ll say so. If not, we bind the new policy and time the effective date to your KFB renewal so nothing lapses.
- We help cancel KFB. The paperwork is short. Any prepaid premium is refunded by KFB.
Rural Homes, Farms, and Outbuildings — We Get It
A lot of the appeal of Kentucky Farm Bureau has been their willingness to write rural Kentucky risks — older farmhouses, outbuildings, the tractor sitting in the barn. That’s important, and not every independent agency handles it well. We do. Carriers like Auto-Owners, Erie, and Foremost have strong programs for rural Kentucky exposures, and we’ve been writing this kind of risk in Calloway, Marshall, Graves, and surrounding counties since we opened. Tell us what’s on the property and we’ll match it to the carrier that wants to write it.
Local, Without the Membership
The Boswell Agency office is at 1051 N 16th Street in Murray, just a few minutes from MSU. We serve western Kentucky — primarily Calloway, Marshall, Graves, McCracken, Trigg, and Lyon counties, plus surrounding rural areas. You can call, text, email, or stop by. There’s no phone tree.
If you’ve been a KFB member for thirty years and the relationship still works for you, stay. But if your last two renewals stung and the local agent’s answer was “that’s just the rate,” it might be time to put us in the mix.
Lines of Coverage We Write Most
- Auto insurance — including multi-vehicle households and teen drivers
- Homeowners insurance — including older homes, rural homes, and farms
- Manufactured / mobile home
- Farm and ranch property
- Boat, RV, motorcycle, and side-by-side
- Small business and commercial auto
- Umbrella and term life
A Note on the KFB Membership Question
You can keep your KFB membership for the discounts and benefits and still move your insurance somewhere else. They’re separate decisions. A lot of our clients do exactly that.
Frequently Asked Questions
Can I leave Kentucky Farm Bureau and still keep my membership?
Yes. KFB membership and KFB insurance are separate. You can keep the membership card for the affiliate discounts and benefits and still move your home, auto, or farm policies to another carrier through an independent agency.
Will an independent agency really be cheaper than KFB?
Often, yes — especially after the rate increases of the last few cycles. We shop your policy across multiple carriers and bring back the best option. If KFB is still the best price for your situation, we’ll tell you so honestly.
Do you write farm and rural property in western Kentucky?
Yes. Carriers like Auto-Owners, Erie, and Foremost have strong rural Kentucky appetites — older homes, farms, outbuildings, equipment. We write this kind of risk every week in Calloway, Marshall, Graves, and surrounding counties.
What’s the catch with switching to an independent agent?
There isn’t one. Independent agents are paid by the carrier through the standard commission built into every policy — the same way captive agents are paid. You don’t pay us a separate fee.
Will you still be there if I have a claim?
Yes. After a claim, you call us first — not a 1-800 number. We help open the claim with the carrier, follow it through the adjuster process, and step in if something stalls. That’s the part most people don’t realize they were missing.
Boswell Insurance Agency LLC · 1051 N 16th St, Ste D, Murray, KY 42071 · (270) 925-1524 · Independent insurance agency serving Calloway County and western Kentucky.
As an independent agency we also represent Erie Insurance — known for Rate Lock auto, strong homeowners on older and rural Kentucky homes, and a J.D. Power #1 small commercial product. Erie alongside 4 other top carriers, all under one local Murray office. Learn more →
