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For more information on the insurance policies we offer, click on the coverage you are interested in below. Specific questions about policy coverage can be answered by your agent. To find the agent nearest you, please click here.
NOTICE:
Information pertaining to insurance coverage on this site is intended to be informative and does not in any way constitute an offer or binder of insurance. In the event that any conflict may occur between this site and the policy, the provisions of the policy shall prevail.
Automobile Insurance
We offer a broad range of coverages for your car, truck, sports utility vehicle, van, or off road vehicle. In addition, there are discounts available for those who qualify.
Why do I need automobile insurance?
Liability insurance or proof of financial responsibility is required by Oklahoma law.
How do I get an automobile insurance quote?
Call your county Farm Bureau office and ask to speak with an agent. Click here to Find an Agent.
Does Farm Bureau offer financing for automobiles and insurance premiums?
There are various ways you can pay your insurance premiums: direct bill; quarterly bill; or Preplan, which is a monthly draft from your bank account. For our newest automobile products, we offer additional payment options as well. Check with your agent to see which option is best for you. Automobile financing is available through the Farm Bureau Bank for qualified applicants. For automobile financing information click here.
What coverages do I need?
Oklahoma law requires minimum liability coverage, but we recommend you carry much more than the minimum. There are other types and amounts of coverage available to tailor the policy to your needs. These coverages are listed below.
Liability Coverage
Provides for Bodily Injury and Property Damage and is designed to protect you financially.
Bodily Injury Coverage
Provides protection for injury to others and pays your legal defense costs related to the accident.
Property Damage Coverage
Provides protection if you, or someone else driving your car with your consent, damage someone else's car or other property with your car.
Medical Payments Coverage
Pays for certain expenses related to injury or death that you or others sustain when occupying your car, regardless of fault. If you or family members living in your household are not occupying a car, this coverage will pay certain expenses if hit by another car.
Uninsured Motorist Coverage
Pays for medical expenses related to bodily injury sustained by you or other passengers in your car when the injury is caused by someone else driving a car that does not have liability coverage.
Damage to Your Car Coverage
Includes collision coverage which will pay for damage to your car caused by collision with another object or by upset; and comprehensive coverage will pay for damage to your car caused by incidents other than collision or upset.
Additional Transportation Expenses Coverage
Includes car rental expenses. This coverage pays a limited amount of rental expense if you must rent a substitute vehicle when a car you own cannot be used due to a loss covered under collision or comprehensive coverages.
Transportation, meals and lodging coverage pays limited expenses if your car is disabled more than 50 miles from your residence due to a loss covered under collision or comprehensive coverages.
Rental car repayment of deductible coverage pays you the amount you are required to pay the owner for a rental car.
Roadside Assistance Coverage
Pays a limited amount of costs associated with towing and/or labor to repair the automobile you are driving when that automobile becomes disabled and repairs take place at the location where your car becomes disabled.
How can I lower my premium?
There are many ways to lower your premium, such as changing coverages and deductibles. We offer discounts to policyholders who qualify under the programs listed below.
- Scholastic Discount
A discount applied to specific auto coverages for classroom academic excellence is available for full-time students who meet specified requirements.
- Safe Driver Discount
If you have been insured with Farm Bureau for at least one year, you may be eligible for accident-free discounts.
- Defensive Driving Credit
You may qualify for a discount if you have successfully completed an accident prevention course approved by the Oklahoma Department of Public Safety. These courses are often offered through the county Farm Bureaus.
- Multi-vehicle Discount
A multi-vehicle membership discount may apply when two or more vehicles are insured with Farm Bureau.
- Tier Discounts
The tier rating plan will provide additional premium reduction for those who have an excellent claims history and meet other requirements.
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Homeowners Insurance
Whether this is your first home, or you are living in the home of your dreams, we have the policy for you. Plus, we offer a variety of additional coverages which can be tailored to provide the right protection. Contact a Farm Bureau agent for more information about Homeowners insurance.
How do I get a homeowners insurance quote?
Call your county Farm Bureau office and ask to speak with an agent. (Click here to Find an Agent.)
Does Farm Bureau offer premium financing for homeowners insurance?
Yes. There are three different ways you can pay your insurance premiums: direct bill; quarterly billing; and Preplan, which is a monthly draft from your bank account. Check with your agent to see which option is best for you.
How much coverage do I need?
Most people want to be able to rebuild their house if it is completely destroyed. Others want only enough to cover the amount of their mortgage, or a minimal amount of coverage. Your Farm Bureau agent can help you determine the proper amount of coverage based on your individual financial needs. There are optional coverages for jewelry, fine arts, and other valuable property, and optional higher limits available on many coverages.
How can I lower my premium?
There are many ways to lower your premium, such as changing coverage limits and deductibles. We offer various premium discounts to policyholders who qualify through the programs listed below.
- New Home Discount
If your home is 10-years-old or less, you are eligible for a discount.
- Alarm Credit
If your home has a qualifying alarm system, you may be eligible for up to 10% credit.
- Companion Home/Auto Discount
If we insure your auto as well as your home, you may qualify for this discount.
- Claims-Free Discount
If you have no homeowners insurance claims within the past three years, you may qualify for this discount.
What if I own a condominium?
Farm Bureau offers a policy designed for the specific needs of a condominium owner. Contact a Farm Bureau agent for details on the coverage right for you!
Homeowners Insurance Related Links
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Farm & Ranch Insurance
We offer complete protection for most farm operations – from the house and barns – to the equipment and livestock. And, there is an extensive list of coverages you can add to make sure you are properly protected.
How do I get a Farm & Ranch insurance quote?
Call your county Farm Bureau office and ask to speak with an agent.
Does Farm Bureau offer premium financing for Farm & Ranch insurance?
Yes. There are three different ways you can pay your insurance premiums: direct bill; quarterly billing; and Preplan, which is a monthly draft from your bank account. Check with your agent to see which option is best for you.
How much coverage do I need?
Most people want to be able to rebuild their home or operation if it is completely destroyed. Others want only enough to cover the amount of their mortgage, or a minimal amount of coverage.
Your Farm Bureau agent can help you determine the proper amount of coverage based on your financial needs and exposure to risk.
How can I lower my premium?
There are many ways to lower your premium, such as changing coverage limits and/or deductibles. We offer various premium discounts to policyholders who qualify through the programs listed below.
- New Home Discount
If your home is 10-years-old or less, you are eligible for a discount.
- Alarm Credit
If your home has a qualifying alarm system, you may be eligible for up to 10% credit.
- Companion Home/Auto Discount
If we insure your auto as well as your home, you may qualify for this discount.
What about liability insurance?
Farm Bureau agents understand your insurance needs. If you're a farmer, we can provide coverage for a wide variety of activities connected with your operation. Plus, if you have farm employees, we can provide protection for you as their employer.
Are there optional coverages available?
There are many optional coverages for your household personal property, your farm personal property, other valuable property, and optional higher limits are available on many property coverages. Another optional coverage is crop hail protection for growing crops.
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Life Insurance
Our agents sell a variety of life insurance products. For a complete description, click here.
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Mobilehome Insurance
This policy is specially designed to meet the needs of Oklahomans living in mobilehomes. Contact a Farm Bureau agent for more information about Mobilehome insurance. Click here to Find an Agent.
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Renters Insurance
Many people who rent a house or apartment don't realize they need to insure their personal property. In most cases, landlords do not provide coverage for your possessions. This policy provides the protection you need when renting.
In addition, our Renters policy provides liability coverage which will protect you financially in case someone gets hurt while in your house or apartment.
As with your personal property, landlords normally do not provideliability coverage for your guests if theysuffer an injury. The liability limit can be increased. Contact a Farm Bureau agent for more information about our Renters insurance. Click here to Find an Agent.
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Boatowners Insurance
The Boatowners policy can insure you against many risks of owning and operating your boat, motor, and boat trailer. The policy includes coverage for your property, protection for injury or damage to others, and medical payments coverage.
You can add coverage for equipment, accessories, and personal effects. Contact a Farm Bureau agent for more information about boat insurance. Click here to Find an Agent.
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Dwelling Insurance
If you just need basic protection for the dwelling itself, the Dwelling policy provides the coverage you need. This coverage is more limited than other types, and there is no coverage for injury or damage to others. Contact a Farm Bureau agent for more information about dwelling insurance. Click here to Find an Agent.
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Umbrella Insurance
We offer three types of umbrella liability policies:
- Personal
;
- Farm & Ranch
; and
- Commercial
.
Liability claims can devastate your assets. These policies offer liability coverage, in the $1 million to $5 million range, over and above the coverages that exist in any other policies you have. Contact a Farm Bureau agent for more information about umbrella insurance. Click here to Find an Agent.
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Flood Insurance
We offer property coverages for the peril of flood through the National Flood Service. AllFarm Bureau insurance policies exclude flood damage, so this policy will provide the coverage you need. Contact a Farm Bureau agent for more information about flood insurance. Click here to Find an Agent.
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Crop Insurance
Oklahoma Farm Bureau offers complete protection for your crops.
Multiple Peril Crop Insurance
- Revenue Assurance - Revenue Assurance guarantees a dollar amount of revenue per acre, regardless of yield or low market prices. It also offers coverage flexibility and often comes out on top in pricing when compared to similar products.
- Crop Revenue Coverage (CRC) - Crop Revenue Coverage (CRC) provides protection against loss of income due to reductions in yield or changes in market prices, or a combination of the two. CRC addresses both yield and price risk.
CRC provides a revenue guarantee (based on your APH) that increases if harvest prices are high and provides income security if prices are low.
- Multi-peril - Multiple Peril Crop Insurance (MPCI) provides comprehensive protection against unavoidable losses for most crops. MPCI coverage provides protection against low yields, poor quality, late planting, replanting costs and prevented planting.
- Coverage is available at 50 to 85 percent of the actual production history (APH) for the farm. The level selected will determine the yield guarantee. You as the producer, have the option of electing an indemnity price from 60 to 100 percent of the Federal Crop Insurance (FCIC) expected market price at the time of purchase. An indemnity is paid for each bushel or pound that your actual yield of your insured crop is below your guaranteed yield due to insured causes of loss.
- Catastrophic (CAT) - Catastrophic Risk Protection (CAT) provides the minimum amount of MPCI coverage. CAT policies pay only those losses in excess of 50% of your yield guarantee and at 55% of the price set for the crop. CAT coverage allows one basic unit per crop per county per shareholder. It is available for all insurable crops in the U.S.
Producers serious about risk management will buy-up to higher levels of MPCI coverage.
Crop Hail Coverage
Crop Hail provides the grower protection against any yield reduction caused by hail and / or fire. Other coverages provided include fire department service charges, transit coverage to the first place of storage, catastrophic loss award (most coverages) and replanting coverage (most crops). The grower may elect to insure up to the full value of the crop. There are various deductibles available to allow the grower to partially self-insure for a reduced premium cost.
Crop Hail policies protect against the one catastrophe that is most likely to totally destroy a part of your crop and leave the rest looking fine. The part hail takes out may well be less than the deductible of your MPCI policy, so many producers fill that gap with a special crop hail policy. This gives you acre by acre protection that can be up to the actual cash value of the crop.
Additional Information
For more information on Farm Bureau’s crop insurance coverage, please call this toll free number: 1-877-913-7475, or click here to visit the American Farm Bureau Insurance Services Web site.
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My Insurance – Insured Portal
The Oklahoma Farm Bureau’s Insured Portal allows you, as a policyholder *(see note below), to view your policy details, payment history, and claims history via the Internet. It also lets you make premium payments by electronically debiting your checking or savings account. Additional features allow you to obtain documents related to your policies (Declarations, Invoices, Security Verification Forms, etc.) and even report a loss on your Farm Bureau policies.
To use the Insured Portal, you must first set up an account. For security reasons, you will need to know your policy number, plus any three
of the following which relate to the policy being entered:
ZIP (5-digit Zip Code)
Member ID (Membership Number)
Premium Amount (Total premium on your policy)
Phone Number (if entered by Agent – must include Area Code)
Last Billed Amount (Amount shown on your last policy invoice)
Date of Birth
Driver's License Number (if listed on policy)
Note: Your policy Declaration or Invoice will contain enough information to set up an Account.
Once you have this information, open Internet Explorer and key https://myins.okfb.com on the Address line at the top of the page, or just click on the above link. You will be taken to the Welcome Page for the Insured Portal, where you will click on the link to "Sign up for new account." Just follow the instructions to set up your Account, then log on with your user name and password to explore the Insured Portal.
Make sure you remember your user name and password for your return visits to the Insured Portal.
You can also add additional policies to your account, either from the same member or from other members by knowing the policy number and three pieces of information about the policy as listed above.
* Eligible policies start with three Alpha Characters. Examples: PAM004567, FLT001234, ORV007890, MCY003456 or HOM009876
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