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 policy.

How Much Coverage Do I Need?

Here to help you find the right amount of coverage

Determining the right insurance coverage 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.

Farm & Ranch Coverage Options & Features


Dwelling insurance covers the structure used as your primary residence.

Additional Living Expense

Additional Living Expense coverage covers day-to-day costs, such as charges for temporary housing, incurred in the event that you and your family can’t live in your home due to a covered loss making your dwelling uninhabitable.

Farm Personal Property

Farm Personal Property insurance covers farm machinery, equipment, supplies, livestock, hay, grain and other miscellaneous property owned and used in farming and ranching.

Farm Buildings and Structures

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.

Household Personal Property

Household Personal Property coverage helps cover personal belongings inside your home in the event of damages. (Theft not covered on Farm Fire)


Insurance Credits & Discounts

We offer a range of premium discounts to Farm Fire policyholders who qualify under the programs listed below.

Burglary/Fire alarm discount

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.

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.

Companion Auto Discount

If you have an auto policy with OKFB you may be eligible for a discount.


Convenient Payment Options

We offer many ways to conveniently pay your insurance 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?

Don’t fret – 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.