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Dwelling Insurance

Dwelling policies protect your home, whether full-time or seasonal, or your tenant-occupied rental property against many different threats. AFR Insurance also provides liability and medical payments insurances that can be added to your dwelling policy.


Dwelling Coverage

Covers the dwelling and connected structures in case of fire, windstorm/hail damage, vandalism, and more

Other Structures

Covers structures separated from the home, such as a garage or shed

Personal Property

Protects the possessions inside your house, including furniture and electronics

Additional Living Expenses

Reimbursement for additional costs incurred when the dwelling is damaged by a covered peril

Fair Rental Value

Reimbursement for lost rental value of an insured building, caused by a covered peril

Liability & Medical

Covers you if someone is injured on your property

Additional Residences Rented to Others

The personal liability coverage can be extended to up to eight tenant-occupied units


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.

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.