---
title: Homeowners Insurance
---

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- [Products](https://www.rackleyinsurance.com/products)
  
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    - [Homeowners](https://www.rackleyinsurance.com/homeowners-insurance)
    - [Auto](https://www.rackleyinsurance.com/auto-insurance)
    - [Farm & Ranch](https://www.rackleyinsurance.com/farm-ranch-insurance)
    - [Life](https://www.rackleyinsurance.com/life-insurance)
    - [Dwelling](https://www.rackleyinsurance.com/dwelling)
    - [Umbrella](https://www.rackleyinsurance.com/umbrella-insurance)
- [Contact](https://www.rackleyinsurance.com/contact)

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- [Home](https://www.rackleyinsurance.com)
- [About](https://www.rackleyinsurance.com/about)
- [Products](https://www.rackleyinsurance.com/products)
  
  Products 
  
  
  
    - [Homeowners](https://www.rackleyinsurance.com/homeowners-insurance)
    - [Auto](https://www.rackleyinsurance.com/auto-insurance)
    - [Farm & Ranch](https://www.rackleyinsurance.com/farm-ranch-insurance)
    - [Life](https://www.rackleyinsurance.com/life-insurance)
    - [Dwelling](https://www.rackleyinsurance.com/dwelling)
    - [Umbrella](https://www.rackleyinsurance.com/umbrella-insurance)
- [Contact](https://www.rackleyinsurance.com/contact)

# Homeowners

![home](https://www.rackleyinsurance.com/hs-fs/hubfs/home.jpg?width=600&height=515&name=home.jpg)

## Homeowners Insurance

Your home is your biggest investment whether it is your first or your forever home. A good coverage plan and reliable insurance company is needed to protect it and what's inside. Whether it is in a neighborhood on a cul-de-sac in town or on a several acre farm in rural Oklahoma, you carefully chose your house for a reason and turned it into a home. Choosing the right homeowners insurance should be no different. The place you call home isn't just a house and at AFR Insurance we understand it's much more than that. Just like your insurance policy isn't just a piece of paper, it's our promise to you.

[Connect with us](https://www.rackleyinsurance.com/contact?hsLang=en)

### Dwelling Coverage

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

[Read more](https://www.rackleyinsurance.com/contact?hsLang=en)

### Related private structures

Covers structures separated from the home, such as garage or shed and residential fences.

[Read more](https://www.rackleyinsurance.com/contact?hsLang=en)

### Additional Living Expenses

Covers living expenses if your home becomes uninhabitable due to covered cause of loss/peril.

[Read more](https://www.rackleyinsurance.com/contact?hsLang=en)

### Personal Property

Protects the possessions inside your home, including furniture and electronics.

[Read more](https://www.rackleyinsurance.com/contact?hsLang=en)

### Water Backup

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

[Read more](https://www.rackleyinsurance.com/contact?hsLang=en)

### Liability & Medical

Covers you if someone is injured on your property.

[Read more](https://www.rackleyinsurance.com/contact?hsLang=en)

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Your Agent. Your Neighbor.

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 Your Agent. Your Neighbor.