Whether you’re insuring your first home or the home of your dreams, we offer a wide range of homeowners insurance coverage options, so you can enjoy your home knowing it’s protected for years to come.

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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.


Dwelling insurance covers the structure used as your primary 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.

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 Property

Personal Property coverage helps cover your personal belongings inside your home in the event of damages or theft.  Talk with your OKFB agent if you have special items like firearms, furs or jewelry that may need additional coverage.

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.

Fire Department Service Charge

Fire Department Service Charge coverage can cover a limited amount of expenses related to fire department services in fighting a fire on your property. Any of our knowledgeable OKFB agents can provide more information regarding additional coverage offerings.


We offer a range of premium discounts to homeowners 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.

Auto Companion Discount

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

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.

Claims-Free Discount

If you have had no insurance claims on your OKFB homeowners insurance policy for three years, you may become eligible for this discount.


Convenient Payment Options

We offer many ways to conveniently pay your home 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.