Specialized Farmers and ranchers insurance, built from the ground up for the unique needs of Oklahoma's farms and ranches.
From sun up to sundown, no one works harder than Oklahoma’s farmers and ranchers. That’s why OKFB offers comprehensive Farm and ranch insurance designed to protect your assets, your operation, and your family.
As your trade grows and evolves, you can focus on what’s important, knowing we’ll be right there with you.
Protecting a farm is complex, and guessing isn’t an option. An OKFB agent simplifies the process. They will conduct a thorough review of your entire operation—from your house and barns to your equipment and livestock.
They specialize in identifying your unique risks and ensuring your liability coverage is sufficient to protect your family’s assets and future. Their job is to build a single policy that covers everything that matters.
This protects the house you and your family live in from losses like fire, wind, or hail, covering the structure itself and your personal belongings inside.
This protects the essential buildings used in your operation, separate from your primary residence. It covers your barns, machine sheds, corrals, silos, and other structures critical to your farm or ranch.
This is crucial coverage for the tools of your trade. It protects your high-value assets like tractors, combines, balers, and implements from damage or theft, whether they’re in the shed or out in the field.
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.
If a covered loss (like a fire) makes your farmhouse uninhabitable, this pays for the necessary increase in living costs—like temporary housing or meals—so your family can maintain its normal standard of living.
Personal Liability insurance can keep you covered in case you become legally liable for property damage or bodily injury.
This is essential protection for your business. It covers you if you are found legally liable for bodily injury or property damage arising from your farming operations—from an animal getting onto the road to a visitor being injured in the barn.
Medical Payments To Others insurance can cover limited medical payments to those who were injured while on your property regardless of fault.
Animal Collision insurance provides compensation for the death of livestock after being struck on the road by a vehicle not owned by the policyholder.
We offer a range of premium discounts to Farm & Ranch policyholders who qualify under the programs listed below.
If your home is 10 years old or less, you may be eligible for a discount.
If you have an auto policy with OKFB you may be eligible for a 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.
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.
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.
