Protect the structures on your property.
Protect your investment with a Dwelling Hazard Insurance policy. This coverage provides essential protection for the structure of your rental or vacation home against common hazards like fire, wind, and hail.
By focusing solely on the building, it offers a cost-effective way to secure your asset without paying for personal belongings coverage you don’t need.
Your dwelling coverage needs to be precise. It should be enough to cover the full cost to rebuild your home using today’s labor and material prices.
An expert OKFB agent makes this simple. They will evaluate your home’s unique features, square footage, and local construction costs to calculate the right amount of coverage, ensuring your family’s largest asset is fully protected.
Dwelling Insurance (Coverage A) protects the physical structure of your residence from damage caused by the covered perils. The amount of this coverage should be based on the home’s full replacement cost, the cost to rebuild it today, not its market value.
Other Structures (Coverage B) protects structures on your property that are not attached to the main dwelling, such as a detached garage, storage shed, or fence. This coverage option does not cover your primary residence.
Personal Property (Coverage C) helps cover your personal belongings inside your home in the event of damage or theft.
If your insured property becomes uninhabitable due to a covered peril, this Additional Living Expense (Coverage D) helps cover temporary housing, meals, and other necessary expenses while repairs are underway.
Personal Liability Coverage protects your finances if you are found legally responsible for an accident causing injury or property damage on your rental property. This is a critical shield for your personal assets against potential lawsuits.
Medical Payments To Others insurance can cover limited medical payments to those who are injured while on your property, regardless of fault.
We offer a range of premium discounts to policyholders who qualify under the programs listed below.
If you have an active burglar or fire alarm in your home, you may be eligible for a discount based on the type of alarm you have installed. Not sure what alarms are eligible? Contact an OKFB agent.
If you have a U.L. rated class 3 or 4 roof surfacing installed, you may be eligible for a discount. Check here for a list of approved* roof surfacing.
*Please note that list may not be comprehensive. Always check with an OKFB agent to see if your roof surfacing qualifies.
If you are planning on installing a roof that is eligible for a discount, have your roofer complete this certificate, and then submit it to your agent.
If you have a qualified auto policy with OKFB, you may be eligible for a discount.
The information on this website is not a contract, as it is provided for general information to explain potential types of insurance coverages. Further, descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. Please read actual policy documents for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between the summary and/or information on this website versus the policy documents, the policy documents shall control. Please contact an Oklahoma Farm Bureau Mutual Insurance Company (OFBMIC) Agent to learn more about insurance coverages offered by and through OFBMIC.
