Protect the structure and fixtures within your vacation home or other owned property from fire, wind, hail and other perils with a Dwelling Fire policy. This cost-effective coverage option is ideal for your residences that do not need coverage for personal belongings.

How Much Coverage Do I Need?

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.

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. This coverage option does not cover your primary residence.

Personal Property

Personal Property coverage helps cover your personal belongings inside your home in the event of damage or theft.

Additional Living Expense

Additional Living Expense coverage covers extra 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.

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 range of premium discounts to policyholders who qualify under the programs listed below.

Burglary or 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.

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.

Auto Companion Discount

If you have a qualified 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.