Whether you own a few rental dwellings properties as secondary income or as your primary business, make sure you have the right type of coverage to protect your investments. In the event of a fire or other covered perils, this policy will help cover the physical structure that your tenants occupy.

How Much Coverage Do I Need?

Determining the right level of insurance coverage you need doesn’t have to be confusing. An OKFB agent can help you understand how much coverage will be right for you, your family and your home, helping provide peace of mind no matter what the future may bring.

Coverage Options & Features


Dwelling insurance covers the structure used as your residence.

Other Structures

Other Structures can cover structures on the same lot as your dwelling, like a detached garage or shed.

Personal Property

Personal Property coverage helps cover your personal belongings inside your rent house in the event of covered damages.

Rental Value

Rental Value coverage can help you recover a portion of your lost rental income due to tenants moving out because of a covered loss that caused the dwelling to become uninhabitable.

Personal Liability

Personal Liability can keep you covered in case you become legally liable for property damage or bodily injury.

Medical Payments to Others

Medical Payments To Others insurance can cover limited medical payments to those who are injured while on your property, regardless of fault.

Insurance Credits & Discounts

We offer a premium discount to Dwelling Fire – Tenant Occupied policyholders who qualify.

Approved Roof Discount

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.

Planning on installing a new roof?

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.


Convenient Payment Options

We offer many ways to conveniently pay your premiums. Choose from a full payment, quarterly payments or a monthly automatic draft from your bank account. Check with an OKFB agent to see which option may be best for you.

Do you need to change your premium payment preferences?

We understand life happens. That’s why we allow our policyholders to easily update their payment preferences. Contact your OKFB agent to make a change.