Your farm is your home. Your livelihood. Your legacy. At AFR Insurance, we know the farm never takes a break and our coverage won't either! On the planter or in the feed truck feeding livestock, we have you covered so you can focus on feeding the world. Through the ups and downs, trust someone who knows how hard you work and values the time spent in and out of the field. Agriculture is the root of our nation and our state and we at AFR Insurance are proud to support Oklahoma farmers and ranchers just like we have for over 100 years.

Farm & ranch policies provide coverage for your home, personal property and property used in your farming operation, in addition to liability and medical payments coverage. AFR offers a variety of optional coverages that can be added to your basic policy to fit your specific needs.

COVERAGES

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DWELLING COVERAGE

Covers your home and connected structures in case of fire, windstorm or hail damage, theft, vandalism, and more.

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RELATED PRIVATE STRUCTURES

Covers structures separated from the home, such as garage and shed.

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BARNS, BUILDINGS & STRUCTURES

Covers structures for farm use such as barns, silos, steel buildings, corrals and more.

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LIVESTOCK

Covers loss of livestock resulting from accidental shooting or drowning- also suffocation in confinement operations due to interruption of power.

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WINTER PERILS

Covers loss of livestock resulting from death caused by freezing or smothering in snow storms or ice storms and falling through ice.

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4-H & FFA ANIMALS

Covers animals kept or raised as 4-H or FFA projects in case of theft or death in certain exceptions.

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PERSONAL PROPERTY

Protects the possessions inside your home, including furniture and electronics.

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ADDITIONAL LIVING EXPENSES

Covers living expenses if your home becomes uninhabitable.

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WATER DAMAGE

Covers damages caused by drain or sewer backup, or a broken sump pump.

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LIABILITY & MEDICAL

Covers you if someone is injured on your property.

DISCOUNTS

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AGE OF HOME ADJUSTMENT

Discount based on the age of the dwelling.

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ROOF SURFACE DISCOUNT

Discount for covered dwellings with a roof surface meeting the Specified Underwriters Laboratories Standard 2218.

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PROTECTION SYSTEM DISCOUNT

Discount applied to the policy if the primary dwelling has one or more protective devices including burglar alarms, fire alarms and automatic sprinklers.

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CLAIMS FREE DISCOUNT

Discount applied to the policy if the names insured has not had a paid loss within the indicated period.

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MULTI-POLICY DISCOUNT

Discount applied to the policy if the names insured has an in-force personal auto or combination auto policy.

WHY CHOOSE AFR

1

EXPERIENCE

AFR Insurance has been serving Oklahomans since 1905. For over 100 years, we have worked to provide the best in class products and service. We are equipped to handle whatever life throws at you. 

2

INTEGRITY

24/7 fast and fair claims service. We are here to help, no matter when trouble strikes. We make it easy to file a claim and get back on your feet.

CONNECT WITH US

Whether you are needing a quote, searching for more information, or checking out our social media, we would love to connect with you! We pride ourselves in being accessible and meeting people where they are, no matter what their needs are! Fill out the form below and we will get in touch with you soon!

 

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DISCLOSURE

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, or declaration pages, which control coverage determination. Such terms may vary and exclusions may apply. Other discounts may be available on an individual basis. All policies are different and your policy may not qualify for all discounts listed.

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