From barns to silos — we have you covered.
Your farm is more than just land and equipment, it’s a complex operation that represents your lifelong investment.
Damages or losses from a fire can be devastating to the farm you’ve worked so hard to grow, so make sure it’s protected with the right Farm Fire Insurance.
The threat of fire is one of the biggest risks to your farm’s future. An OKFB agent removes the guesswork by assessing your total fire risk. They will help you calculate the full replacement cost of your dwelling, barns, and essential equipment to ensure you have the financial resources needed to recover and rebuild your entire operation after a loss.
A Farm Fire policy is a specialized package designed to protect both your home life and your business operation from a devastating fire.
This part of your policy protects the personal side of your farm, ensuring your family has a place to live and can recover financially.
This protects your primary farmhouse or residence from damage caused by a fire, allowing you to repair or rebuild.
Covers your personal belongings, if they are damaged in a covered fire. (Note: This specific policy does not cover theft of household personal property.)
If a covered fire makes your home uninhabitable, this helps pay for temporary housing, meals, and other living costs so your family can maintain its normal routine.
This is the critical business side of your policy, protecting the assets that generate your income.
Farm Buildings and Structures Insurance covers farm use structures not used as your primary residence, such as barns, corrals, bunkhouses, silos or various other structure types.
This is crucial coverage for the tools of your trade. It protects your investment in farm machinery, equipment, supplies, livestock, and stored commodities like hay and grain from loss in a fire.
We offer a range of premium discounts to Farm Fire 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 have an 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.
