American Farmers & Ranchers

AFR Insurance offers a wide variety of insurance protection at affordable rates to match your lifestyle. Join the many policyholders who have experienced outstanding service with our company. Choose an agent near you to help you analyze your insurance needs and create a protection package for you.

Home Insurance

Could you replace your house and all of your personal belongings if they were completely destroyed by a tornado or fire? If you own a house or condominium, our homeowners insurance package will protect your property and liability exposures.
Learn more about AFR Home Insurance

Auto Insurance

Get the most out of your auto insurance premium. AFR Insurance has a tiered Automobile program which provides an array of options for your entire family at affordable rates.
Learn more about AFR Auto Insurance

Farm Insurance

Do you have coverage for your owner-occupied farm, including your house, livestock, farm machinery, barns and more?
Learn more about AFR Farm Insurance

Ask about our farm package policy which covers all of these items, plus provides liability protection. You may choose to schedule your machinery individually, or you may choose "blanket coverage," which does not require listing each item separately. Ask your AFR Insurance agent which is best for you!

You might also be interested in a Farm Property policy
Our Farm Property policies are designed to insure farm dwellings occupied by owners or tenants. They give basic property coverage on the structure and can also be used to insure farm buildings and machinery. Liability coverage for these properties may be an extension of other owner occupied property policies or a farm liability policy may be purchased to cover both your property and liability risk. We can also insure tenant occupied dwellings in non-rural areas. Your AFR Insurance agent can help you decide which option is right for you.

Farm Liability
Do you own a tenant-occupied farm dwelling or lease some of your farm or ranch land to your neighbor to grow crops or raise cattle? You may need to protect yourself with a Farm Liability policy. You may still be responsible for accidents that occur on that property because you own it.

Dwelling Insurance

Our dwelling policies may be used to insure dwellings that are rented to others or for minimal protection on an owner-occupied house or on owner occupied seasonal house.
Learn more about AFR Dwelling Insurance

Umbrella Insurance

The liability portion of your personal insurance policies may not cover certain types of claims or may not provide enough coverage for your specific needs.
Learn more about AFR Umbrella Insurance

Life Insurance

It isn’t a matter of IF we need Life Insurance it’s a matter of WHEN we need it. Two really important reasons to purchase Life Insurance is to provide the security and the financial means for your loved ones to pay for burial costs and not be burdened due to the lost wages or income due to your death.
Learn more about AFR Life Insurance

Claims

Sometimes we pay our insurance premiums and wonder why -- until one day our car is stolen or our house is broken into and our precious personal "stuff" is gone. Who do we call besides the police? Our insurance company!
Learn more about AFR Claims

FSR for American Farmers & Ranchers Mutual Insurance Co.

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.


		Insurance Agents News Membership Farm Org About AFR
		AFR Insurance offers a wide variety of insurance protection at affordable rates to match your lifestyle. Join the many policyholders who have experienced outstanding service with our company. Choose an agent near you to help you analyze your insurance needs and create a protection package for you. Home Insurance Could you replace your house and all of your personal belongings if they were completely destroyed by a tornado or fire? If you own a house or condominium, our homeowners insurance package will protect your property and liability exposures. Learn more about AFR Home Insurance Choose from "basic," "broad," and "special" forms to provide the amount of coverage you need at competitive rates. If you rent a house, apartment or condominium chose our "broad" form renters insurance to protect your property and liability exposures. We want you to feel confident that you are adequately insured. Your local AFR Insurance agent can help you evaluate your property to make sure you have enough insurance. Auto Insurance Get the most out of your auto insurance premium. AFR Insurance has a tiered Automobile program which provides an array of options for your entire family at affordable rates. Learn more about AFR Auto Insurance Recreational Vehicles We at AFR Insurance are dedicated to taking care of most of your insurance needs. If you have another policy with us, we can also insure your motor home, travel trailer, boat or motorcycle. Farm Insurance Do you have coverage for your owner-occupied farm, including your house, livestock, farm machinery, barns and more? Learn more about AFR Farm Insurance Ask about our farm package policy which covers all of these items, plus provides liability protection. You may choose to schedule your machinery individually, or you may choose "blanket coverage," which does not require listing each item separately. Ask your AFR Insurance agent which is best for you! You might also be interested in a Farm Property policy Our Farm Property policies are designed to insure farm dwellings occupied by owners or tenants. They give basic property coverage on the structure and can also be used to insure farm buildings and machinery. Liability coverage for these properties may be an extension of other owner occupied property policies or a farm liability policy may be purchased to cover both your property and liability risk. We can also insure tenant occupied dwellings in non-rural areas. Your AFR Insurance agent can help you decide which option is right for you. Farm Liability Do you own a tenant-occupied farm dwelling or lease some of your farm or ranch land to your neighbor to grow crops or raise cattle? You may need to protect yourself with a Farm Liability policy. You may still be responsible for accidents that occur on that property because you own it. Dwelling Insurance Our dwelling policies may be used to insure dwellings that are rented to others or for minimal protection on an owner-occupied house or on owner occupied seasonal house. Learn more about AFR Dwelling Insurance You may also choose to add other structures, personal property (contents), or liability coverage to make this an insurance protection package. Choose from "basic" or "broad" coverage forms, and ask your local AFR Insurance agent to help you determine an adequate amount of coverage to meet your particular needs. Umbrella Insurance The liability portion of your personal insurance policies may not cover certain types of claims or may not provide enough coverage for your specific needs. Learn more about AFR Umbrella Insurance If you feel you are underinsured, you may need to purchase excess liability coverage in the form of an Umbrella Policy. This type of policy will protect you over and above your underlying liability policies and provide you with additional coverage such as personal injury protection for libel, slander, invasion of privacy, humiliation, mental anguish and false arrest. We offer both a Personal Umbrella Policy and Farm & Ranch Umbrella Policy. Life Insurance It isn’t a matter of IF we need Life Insurance it’s a matter of WHEN we need it. Two really important reasons to purchase Life Insurance is to provide the security and the financial means for your loved ones to pay for burial costs and not be burdened due to the lost wages or income due to your death. Learn more about AFR Life Insurance AFR Insurance Life offers a variety of Term, Whole Life and Annuity products. Each is designed to allow each individual to choose a plan that will provide coverage at all stages in life, whether you need insurance for only a short period of time or for your entire life. A good way to explain the differences between the Term and Whole Life plans is that: Whole Life insurance is like owning a home. Term Life insurance is like renting a home. Term Life guarantees a death benefit and a level premium for a limited time (5, 10, 15 or 20 years). Term Life does not build cash value, just as tenants do not build equity in a rented home. AFR Life Insurance Products: Level Term (5, 10, 15 and 20 Year) The cost of a term policy is based on both the age and health of the insured, the length of the term period and the amount of the death benefit applied for. Due to the low premium, term insurance allows you to purchase the most insurance for your money. 20 Year Level Term – Renewable to Age 95 This plan provides a level premium and death benefit that will be guaranteed for the first 20 years. In the 21st year, the coverage will not expire like most term plans do, but will allow you to renew the coverage annually to age 95 but with an increased premium. Endowment/Whole Life As you might have guessed by its name, whole life insurance offers you coverage for your entire life. Under a whole life insurance policy, your coverage will never expire and will never need to be renewed. The coverage amount (death benefit) you choose and the premium you pay will remain the same during the premium paying period, regardless of any health challenges you face over the years. Whole Life guarantees a permanent death benefit and the cash value it builds may be used to pay for education, supplement retirement, etc. AFR offers four convenient premium paying options to choose from: To Age 100 – premiums are payable for your entire lifetime. 20 Pay - slightly higher premiums are payable for 20 years only. To Age 65 – rather than pay premiums your entire lifetime, a little higher premiums can be paid until you reach age 65. Single Pay – a single one time “lump sum” premium can be paid rather than paying for the coverage over time. Regardless of the premium paying option you choose, the death benefit is guaranteed to be payable to your beneficiary. Flexible Premium Deferred Annuity The way you live today has considerable impact on how you live tomorrow. That means if you want a relaxing and financially secure retirement, you have to plan now. If you're still young, you can enjoy the huge benefits of compound interest even more than someone closer to retirement. An annuity can guarantee a stream of retirement income that helps you maintain a comfortable lifestyle and if possible, leave assets behind for your children and grandchildren. The FPDA is a perfect funding vehicle for non-qualified and tax-qualified money in the form of IRA’s (Traditional and Roth), SEP’s and SIMPLE’s. Available to both adults and children, the premiums are flexible and can be made as a single payment or payments made over a number of years. It is also designed to provide a guaranteed income once the policy matures. Claims Sometimes we pay our insurance premiums and wonder why -- until one day our car is stolen or our house is broken into and our precious personal "stuff" is gone. Who do we call besides the police? Our insurance company! Learn more about AFR Claims AFR Insurance is proud of its fast and fair claims service. 24 Hour Claim Reporting - 1-800-324-7771 - Carefully listen to the menu selection to be properly directed for claim service. What To Do If You Have An Auto Accident If you have ever been in an automobile accident, you know how frazzled you can be! Here are some helpful hints on what to do: Stop! Do not leave the scene of the accident, unless it is to get out of the way of oncoming traffic. Notify police or highway patrol from the scene of the accident. Some cities will only respond to bodily injury accidents, call to report anyway for instructions. Do not admit fault or discuss the accident with anyone except the investigating officer or your insurance representative. Do not disclose the limits of your insurance policy. Verify insurance coverage ONLY by presenting the insurance verification card to the other party and the investigating officer. Ask to see the other party's insurance verification card to obtain the name of that party's insurance company, address, phone number, and policy number. Write down when and where the accident happened and record the name, address and phone of the driver and owner of the other vehicle plus any witnesses. Take photos of the damage if you have a camera or cell phone available with the camera capability. Call your AFRMIC Agent or the Claims Office at 1-800-324-7771 as soon as possible to report the loss. 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.
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