Quickly find the answers you need.
We know insurance can be confusing. Look below for the answers to our most commonly asked questions.
Yes, ask an OKFB agent about insuring your jet skis on a Boat Insurance policy.
No, the policy must be put into effect before construction of the building begins above ground level. If you’re a builder, check out available coverage options for builders here.
No, the policy must be put into effect before construction of the home begins above ground level.
If you do not need immediate claims assistance, you can create an initial claims report by logging into the My Insurance portal.
You can access your claims history by signing into the My Insurance Portal or by contacting your OKFB agent.
You will need to reach out to your claims adjuster directly. Click here to find your claims adjuster.
We offer a number of convenient ways to begin reporting a new insurance claim.
If you have a question regarding the status of a current claim, you will need to contact your adjuster directly. If you have a non-emergency question, you can contact your OKFB agent or fill out our form here.
Yes. Check with your agent to quote Commercial Umbrella along with Commercial General Liability and Commercial Auto.
Yes, higher limits are available for an additional premium.
Yes, personal property subject to policy limitations and exclusions is covered anywhere in the world. Any personal property at a residence other your residence premises is subject to 10% of the total insured limit of personal property.
A condominium policy is for an individual family unit separately owned from the interior surfaces inward. It does not cover the building itself that the condo unit is contained in. The condo association typically covers the building, but check with your association for specifics on your situation. A townhouse or row house which is owned individually from the ground up to the roof should be written on a regular homeowners policy rather than a condo policy.
Tools like electric drills or nail guns are eligible, but regular hammers, wrenches, socket sets, etc. are not eligible for this policy. Generally, if the equipment or tool has a serial number, it’s eligible for coverage as contractor’s equipment. Limited coverage is available for your manual hand tools off premises on a Commercial Property policy.
Yes, individual item limits are required. You will need to provide the current value of each item you wish to insure.
No, the dwelling will also be covered for other causes of loss, depending on the policy form that you buy. An OKFB agent can explain to you what causes of loss are covered under the different forms.
No, this policy is specifically designed for dwellings that are occupied by renters. However, an OKFB agent may have options available through one of our brokerage partners to insure unoccupied remodels intended for resale. Contact your local agent for more information.
Yes, higher limits are available for an additional premium. If you’re a homeowner, check out available home coverage options here.
Farm & Ranch is a specialized policy to meet the insurance needs of a farming or ranching operations. However, a Homeowners policy can be written for a house on an acreage.
An OKFB agent will be able to help you determine which policy fits your situation the best. However, there are some things that are strong indicators that you need a Farm & Ranch policy instead of a Homeowners.
Any of the following indicators would likely result in needing a Farm & Ranch policy:
You can certainly insure most your implements on a Farm & Ranch policy. instead. However, a Farm Implement policy offers broader coverage when compared to the Farm & Ranch policy. An OKFB agent can explain the differences of each to help you make the right coverage decision.
No, your farm or ranch employees would need their own policy to cover their personal property.
No, an underlying Farm & Ranch policy type is always required.
While that is certainly preferred, we will place an Umbrella over policies with other companies subject to policy terms and their financial strength as determined by AM Best. When underlying auto policies are written through another company, the Umbrella policy is subject to additional charges.
Yes, if their driving record is acceptable. You can easily provide their driver’s license information to your OKFB agent to add them as approved drivers.
No, but a qualifying farm use truck tractor may be written on a Special Vehicle Farm Use Tractor/Trailer policy.
The farm use tractor trailer rig is insured on a Special Vehicle policy, and only tractors with an articulating 5th wheel and the corresponding semi trailers may be insured on this policy. Other farm service trucks can be insured on a Farm Auto policy.
The easiest way to find your VIN number is to look into the lower corner of the windshield on the driver’s side from the outside of your car. Also, on drivers side front door or door post. If you’re still not able to locate your VIN, click here.
No, but we recommend you speak to an OKFB agent. A Farm Liability policy may be written to address your liability coverage needs.
Tractors, combines, hay balers and cotton pickers are a few examples of mechanized farm implements that are insurable. Chat with an OKFB agent for more specific information on your owned farm implements.
You can certainly insure most of your implements on a Farm & Ranch policy. However, a Farm Implement policy offers broader coverage when compared to the Farm & Ranch policy. An OKFB agent can explain the differences of each to help you make the right coverage decision.
Yes, we can help you obtain your Form E for qualifying vehicles. Contact an OKFB agent for help.
Yes. Our agents are able to offer a variety financial services through our relationship with Farm Bureau Financial Services. Contact an OKFB agent nearest you or click here for more information about financial services.
Yes. Our agents are able to offer a full suite of life insurance products through our relationship with Farm Bureau Financial Services. Contact an OKFB agent nearest you or click here for more information about life insurance products.
The automobile policy number is captured in the heading “Policy Number” on the upper right-hand corner of the first page of the Premier Automobile Declarations. It is written as a series of three letters followed by six numbers (Example: PAU123456). An automobile policy number is also shown on the Security Verification form in the box labeled “Policy Number” which is located at the bottom right of the form on the same line as the Effective Date and Expiration Date.
The policy number on property policies such as Homeowners, Farm and Ranch, Farm Fire, AgSecurity Fire, etc. is located on the top left of the Declarations Page, just above Policyholder Name.
In addition, you can log into My Insurance (which will initially require setting up an account). Upon doing so, a list of policies is displayed, showing the status of the policy as well as the policy number.
We currently offer an online quote system for Auto policies. Click here to get your quote. For all other insurance products and services, we offer multiple ways to request a quote.
Yes! If you hold policies with Oklahoma Farm Bureau, you will have a dedicated agent to help guide you through all of your insurance decisions and answer any questions. To find an agent in your area, click here.
We offer many ways to conveniently pay your insurance premiums. Choose from a direct bill, quarterly bill or a monthly automatic draft from your bank account. Check with your OKFB agent to see which option is best for you.
No! We offer insurance products to all Oklahomans from all professions and walks of life.
Yes. Our insurance companies were formed for the purpose of providing insurance services to Oklahoma Farm Bureau members. The great news about our membership is it offers many benefits, discounts and services. Check them out here.
No. We offer insurance coverage for a variety of different needs, from your home to your boat. Click here to browse all of our insurance product offerings.
We offer many programs to qualifying policyholders for discounts and credits. We have these programs listed on the related insurance product line on this site. Click here to see all of our available lines of insurance.
Oklahoma Farm Bureau insurance coverages and rates are competitive with others in the industry, and we are the largest property and casualty company headquartered solely in Oklahoma. Speak with an OKFB agent if you would like more information on our available insurance products and services.
No, however, we will honor your Farm Bureau membership from your state of origin for the remainder of our membership year. Please speak with an OKFB agent for more information on this special offer.
Oklahoma Farm Bureau is a nonprofit corporation. Through the corporation is made up of volunteer leaders and employees, Oklahoma Farm Bureau advocates for people living in rural Oklahoma and supports Oklahoma farmers and ranchers. Oklahoma Farm Bureau Mutual Insurance Company and the AgSecurity Insurance Company are for-profit companies that provide a full range of insurance products.
We’re a full-service insurance company that has provided expert help to Oklahomans for more than 75 years. We offer a wide range of insurance and financial products for all Oklahomans. To view all of our insurance offerings, click here.
If you want an Auto Quote, you can fill out this online form. If you would like a quote on any of our other insurance product offerings, an OKFB agent can assist you.
We have OKFB offices in every Oklahoma county! Click here to find an OKFB agent near you.
No, you will need a Workers Compensation policy to cover your employees. An OKFB agent would may be able to write a Workers Compensation policy to fit your needs.
Modular homes are made of prefabricated sections that are then assembled at the site of the home, and they are not eligible for Mobile Homeowners but may be eligible for a regular homeowners policy. Manufactured homes are a type of mobile home that are built to HUD specifications implemented in 1976, and they should be written on the Mobile Homeowners policy.
Personal use campers or travel trailers that are not self-propelled can just be added to an OKFB Personal Auto policy rather than writing a new Motorhome policy.
Coverage is available for qualified customized equipment added to your motorcycle. Be sure to let your OKFB agent know about the custom equipment when requesting a quote.
Yes, a factory-made motor tricycle may be eligible for coverage on the motorcycle policy.
No, the policy must be put into effect before construction of the building begins above ground level.
No, the policy must be put into effect before construction of the home begins above ground level. If you’re a builder, check out available coverage options for builders here.
Yes, both recreational and farm use ORVs may be insured on this policy. However, an ORV used in a business other than farming is not eligible. A business use ORV may be insurable on a different policy. Contact an OKFB agent to assist you in finding an ORV policy that suits your needs.
Yes. A farm tag is required, and there should be no hauling for any type of consideration. Truck tractors for commercial use are not eligible for this policy. However, an OKFB agent can help provide options to insure your commercial use truck tractor.
No, an underlying homeowners policy type is always required.
Show animals belonging to club members of the insured 4H or FFA club can be insured.
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.