Your browser is not supported. While we have made efforts to ensure you can still browse the website, please consider upgrading to a more recent version of Internet Explorer, Firefox, or Chrome.

Farm & Ranch Insurance

Your farm is your home... It’s also your livelihood.

You should be able to whistle while you work.

Farm & ranch policies provide coverage for your home, personal property and property used in your farming operation, in addition to liability and medical payments coverage. AFR offers a variety of optional coverages that can be added to your basic policy to fit your specific needs.

Available Coverages

Dwelling Coverage

Covers your home and connected structures in case of fire, windstorm/hail damage, theft, vandalism, and more

Related Private Structures

Covers structures separated from the home, not used or designed for farm use such as fences, driveways, sidewalks and other permanently installed outdoor fixtures near the home

Farm Barns, Buildings, and Structures

Covers structures for farm use such as barns, silos, poultry houses, steel buildings, corrals, and more


Covers loss of livestock resulting from accidental shooting or drowning - also suffocation in confinement operations due to interruption of power

Winter Perils

Covers loss of livestock resulting from death caused by freezing or smothering in snowstorms or ice storms and falling through ice

4-H and F.F.A. Animals

Covers animals kept or raised as 4-H or F.F.A projects in case of theft or death with certain exceptions

Personal Property

Protects the possessions inside your house, including furniture and electronics

Additional Living Expenses

Covers additional living expenses if your home becomes uninhabitable

Water Damage

Covers damages caused by drain or sewer backup, or a broken sump pump

Liability & Medical

Covers you if someone is injured on your property

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.

Homeowners, Farm & Ranch Discounts

Up to 10%

Multi-Policy Discount

Discount applied to the policy if the named insured has an in-force personal auto or combination auto policy

Up to 20%

Claims Free Discount

Discount applied to the policy if the named insured has not had a paid loss within the indicated period

Up to 15%

Protection System Discount

Discounts applied to the policy if the primary dwelling has one or more protective devices including burglar alarms, fire alarms, and automatic sprinklers

Up to 20%

Roof Surface Discount

Discount for covered dwellings with a roof surface meeting the specified Underwriters Laboratories Standard

Up to 30%

Age of Home Adjustment

Discount based on the age of the dwelling, or the age of the plumbing, electrical, and heating/cooling systems

Other discounts may be available on an individual basis. All policies are different, and your policy may not qualify for all discounts listed.

Find an Agent

Your local AFR Insurance agent can help you evaluate your needs to make sure you get adequate coverage.

The Benefits of Membership

Purchasing a policy with AFR makes you a member of the American Farmers & Ranchers Cooperative, National Farmers Union and your local and county AFR chapters.

As a member, you receive a number of benefits like discounts for products and services including travel, hotel, dental and vision plans, farm equipment, and more.

Full List of Benefits How You Can Help Shape Our Policy

24/7, Fast & Fair Claim Service

We are here to help, no matter when trouble strikes. We make it easy to file a claim and get you back on your feet.

How to Report a Claim

AFR Insurance is proud to have earned a Financial Stability Rating of A from Demotech, Inc. The Financial Stability Rating is an indicator of an insurance company’s strength. An A rating means AFR has “Exceptional ability to maintain liquidity of invested assets, quality reinsurance, acceptable financial leverage and realistic pricing while simultaneously establishing loss and loss adjustment expense reserves at reasonable levels.”

Demotech awards this rating after performing a thorough review of a company’s financial statements. This rating is independent of the size of a company due to Demotech’s belief that a small, well-run insurer may outperform a larger insurance company.