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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 or shed.

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Additional Living Expenses

Covers living expenses if your home becomes uninhabitable.

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Personal Property

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

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Fair Rental Value

Reimbursement for lost rental value of an insured building, caused by a covered peril.

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Liability & Medical

Covers you if someone is injured on your property.

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Additional Residences Rented To Others

The personal liability coverage can be extended to up to eight tenant-occupied units.


How much coverage do I need?

Determining the right amount of coverage may seem like a daunting task but with the experience of our local agents in your community, they'll help you find the right coverage. Whether it's for your home, auto, farm or life, AFR Insurance is prepared to help you.

Find an AFR agent today and start exploring the coverage options that best fits your needs! 

Find An Agent

Why Choose AFR?


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. 


24/7, Fast and Fair Claim 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.

File A Claim 


With independent agents in every corner of the state, no one knows Oklahoma like AFR. We are in your community and a part of your community. Your business stays local. 

Connect With US!

Whether you are needing a quote, searching for more information, or checking out our blog and social media, we would love to connect with you! We pride ourselves in being accessible and meeting people where they are, no matter what your needs are! Fill out the form and a trusted customer service representative will be with you shortly. In the meantime, check out our social media and blog or contact your local agent for immediate assistance.
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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. All policies are different and your policy may not qualify for all discounts listed.


AFR Insurance is proud to have earned a Financial Stability Rating of A' from Demotech, Inc. The Financial Stability Rating is an indicator of an insurance company's strength. An A' rating means AFR "possess Unsurpassed financial stability related to maintaining surplus as regards policyholders at an acceptable level."

Demotech awards this rating after performing a thorough review of a company's financial statements. This rating is independent of the size of a company due to Demotech's belief that a small, well-run insurer may outperform a larger insurance company.