From sun up to sundown, no one works harder than Oklahoma’s farmers and ranchers. OKFB provides peace of mind with a full line of farm & ranch insurance offerings, protecting your assets and allowing you to get back to what’s important. As your trade grows and evolves, rest assured we’ll be right there with you.

okfb farmer standing in corn field

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.

Farm & Ranch Coverage Options & Features


Dwelling insurance covers the structure used as your primary residence.

Other Structures

Other Structures can cover non farm-use structures on the same lot as your dwelling, like a detached garage. This coverage option does not cover 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 that makes 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.

Medical Payments To Others

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

Personal Liability

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

Farm Employers Liability

Farm Employers Liability insurance provides compensation to farm workers you employ and are legally obligated to cover in the event of an injury.

Farm Employees Medical Payments

Farm Employees Medical Payments insurance covers limited medical expenses incurred by farm employees while working for the policyholder.

Animal Collision

Animal Collision insurance provides compensation for the death of livestock after being struck on the road by a vehicle not owned by the policyholder.


Insurance Credits & Discounts

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

New Home Discount

If your home is 10 years old or less, you may be eligible for a discount.

Companion auto discount

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

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.


Convenient Payment Options

We offer many ways to conveniently pay your farm & ranch 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.