Homeowners

Coverages

Dwelling Coverage

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

Related private structures

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

Additional Living Expenses

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

Personal Property

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

Water Backup

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

Liability & Medical

Covers you if someone is injured on your property.

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!

Discounts

Multi-Policy Discount

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

Claims Free Discount

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

Protection System Discount

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

Roof Surface Discount

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

Age of home discount

Discount based on the age of the dwelling.

Why Choose AFR?

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.

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

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.

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.

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Homeowners Insurance