Umbrella Policies AT a Glance

In addition to your existing auto, homeowner, farm & ranch policies, umbrella policies offer liability coverage to protect you and your assets.

Your AFR umbrella policy will provide coverage up to the limit of liability shown on your declarations pages of your umbrella policy if you are found legally liable for:

  • Injuries to another
  • Damaging the property of another
  • Personal Injury

To qualify for an umbrella policy, you must meet certain qualifications. Contact your AFR agent to see if you qualify for an umbrella policy.

AFR Personal Umbrella Policy

The basic Personal Umbrella Policy coverage includes:

  • Damages for bodily injury, property damage and personal injury
  • Liability arising from use of all watercraft you own under 26 feet and 25 horsepower
  • Liability arising out of up to four rental units

Additional coverage includes:

  • Additional residences which must be described in the policy
  • Ownership or use of swimming pools with slides and diving boards
  • Ownership or use of trampolines
  • Ownership or use of motorcycles and unlicensed recreational vehicles
  • Incidental business activities conducted on the insured property
  • Ownership or use of watercraft and jet skis

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

AFR Farm & Ranch Umbrella Policy

The AFR Farm & Ranch Umbrella Policy offers liability coverage for both $1 million or $2 million liability limits with coverages designed for the farmer and rancher.

The basic Farm & Ranch Umbrella coverage includes:

  • Damages for bodily injury, property damage and personal injury
  • Damaging the property of another
  • Personal Injury

This coverage is automatically extended to include:

  • All watercraft you own under 26 feet and 25 horsepower
  • Up to four rental units
  • Unlicensed farm trucks
  • Custom farming up to $5,000 in gross receipts 
  • Farmland up to 640 acres
  • Employers liability, up to 30 man days

Additional coverages include:

  • Horse boarding
  • Fruits or vegetable picking by the public
  • Farm employees
  • Pesticides & Herbicide use
  • Business Pursuits
  • Farming activities performed on the insured property
  • Application of pesticides and herbicides on the insured property
  • Ownership or use of watercraft, jet skis, swimming pools and trampolines
  • Up to eight rental units

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.
Connect With Us!


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.