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 or 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.

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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! 

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Discounts

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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

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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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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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Roof Surface Discount

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

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Age of Home Adjustment

Adjustment based on the age of the dwelling.

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Get a Quote

We offer a variety of insurance protection at affordable rates. Join the many policyholders who have experienced outstanding service with our company. Your local agent will work with you to find a policy that fits your individual needs.

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Why Choose AFR?

experience

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. 

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Integrity. 

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 

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Local. 

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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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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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 has "Exceptional ability to maintain liquidity of invested assets, quality reinsurance, acceptable financial leverage and realistic pricing while simultaneously establishing loss and loss adjustment expense reserves at reasonable levels."

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.