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 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
- All watercraft you own under 26 feet and 25 horsepower
- Up to four rental units
- Unlicensed farm trucks
- Custom farming
- Farmland
- 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 ClaimAFR 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.