Your home is your biggest investment whether it is your first or your forever home. A good coverage plan and reliable insurance company is needed to protect it and what's inside. No matter if it is in a neighborhood on a cul-de-sac in town or on a several acre farm in rural Oklahoma, you carefully chose your house for a reason and turned it into a home. Choosing the right homeowners insurance should be no different. The place you call home isn't just a house and at AFR Insurance we understand it's much more than that. Just like your insurance policy isn't just a piece of paper, it's our promise to you.

Homeowner policies provide protection for your home and other property. AFR Insurance provides a variety of homeowner policies, as well as liability and medical payments insurance to increase your coverage.

COVERAGES

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DWELLING

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

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RELATED PRIVATE STRUCTURES 

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

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ADDITIONAL LIVING EXPENSES

Covers living expenses if your home becomes uninhabitable due to covered cause of loss/peril.

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PERSONAL PROPERTY

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

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WATER BACKUP

Covers damages caused by drain or sewer backup or drains, 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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CLAIMS FREE DISCOUNT

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

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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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MULTI-POLICY DISCOUNT

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

WHY CHOOSE AFR

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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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