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Umbrella Insurance

Prepare for the unexpected and rest easy with AFR.

AFR umbrella policies provide liability coverage in addition to your existing coverage, protecting you and your assets in the event of a lawsuit.

Umbrella Policies at a Glance

In addition to your existing auto, homeowner, boat or farm & ranch policies, Umbrella policies offer liability coverage to protect you and your assets.

Your AFR umbrella policy will provide coverage up to the limit of liability shown on your declarations pages of your umbrella policy if you are found legally liable for:
  • Injuries to another
  • Damaging the property of another
  • Personal injury

To qualify for an umbrella policy, you must meet certain qualifications. Contact your AFR agent to see if you qualify for an umbrella policy.

AFR Personal Umbrella Policy

The basic Personal Umbrella Policy coverage includes:
  • Damages for bodily injury, property damage and personal injury
  • Liability arising from use of all watercraft you own under 26 feet and 25 horsepower/li>
  • Liability arising out of up to four rental units
Additional coverages include:
  • Additional residences which must be described in the policy
  • Ownership or use of swimming pools with slides and diving boards
  • Ownership or use of trampolines
  • Ownership or use of golf carts, motorcycles and unlicensed or licensed recreational vehicles
  • Ownership or use of light, medium and heavy trucks
  • Incidental business activities conducted on the insured property
  • Farming activities performed on the insured property
  • Application of pesticides and herbicides on the insured property
  • Ownership or use of watercraft and jet skis

AFR Farm & Ranch Umbrella Policy

The AFR Farm & Ranch Umbrella Policy offers liability coverage for both $1 million or $2 million liability limits with coverages designed for the farmer and rancher.

The basic Farm & Ranch Umbrella coverage includes:
  • Damages for bodily injury, property damage and personal injury
This coverage is automatically extended to include:
  • All watercraft you own under 26 feet and 25 horsepower
  • Up to four rental units
  • Unlicensed farm trucks
  • Custom farming
  • Farmland
Additional coverages include:
  • Horse Boarding
  • Fruit or Vegetable Picking by the Public
  • Farm Employees
  • Pesticide & Herbicide Use
  • Care Provided for Others
  • Business Pursuits

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.