Policy Forms Used by the 10 Largest Homeowners' Insurance Groups in Oklahoma

As an informational resource for consumers, the Oklahoma Insurance Department offers on this Web page, downloadable copies of homeowners’ insurance policy forms and mandatory amendatory endorsements offered by the 10 largest insurance groups writing homeowners’ insurance in Oklahoma. The 10 groups were identified on the basis of market share by direct written premium, taken from OID’s 2012 Annual Report. Consumers may use this information as a starting point in their comparison-shopping for insurance products.


  1. The policy documents on this page are presented for informational purposes only and are not intended to endorse, recommend, advertise, or comment on the quality of any particular insurer’s product in any manner, or to imply that the insurance products identified on this page are the only products available to consumers for this line of business. Consumers are encouraged to shop around to find companies and coverages that best suit their insurance needs.
  2. Only the policy forms and amendatory endorsements that an insurance company requires its policyholders to have are available on this page. Insurance companies may also have optional amendatory endorsements which the policyholder may select to broaden, narrow, or otherwise alter the coverage provided. These optional features are not listed here.
  3. The content of an issued insurance policy alone determines the available coverages and exclusions. The number of mandatory forms used by an insurance company does not necessarily correspond with the extent of coverage, or the extent of coverage restrictions, in that company’s product. Furthermore, the number of an insurer’s mandatory forms is not an indicator of the content or degree of complexity of the insurance policy language. Consumers are encouraged to read their insurance policies carefully.
  4. The information displayed on this page is the most current information available and known to the Oklahoma Insurance Department. While the Department makes its best effort to keep this documentation current and accurate, these documents should be considered informational references only and are not a guarantee that any specific insurance product will be available to any specific insurance consumer. Furthermore, this information does not convey any other guarantees, express or implied, to the consumer. This effort is a work in progress and, as such, may be periodically updated, enhanced, revised, and expanded in scope.

Allstate Property & Casualty Insurance Company
AP2: Deluxe Homeowners Policy
AP148: Standard Select Value Homeowners Policy
AP149: Deluxe Select Value Homeowners Policy
AP337: Deluxe Plus Homeowners Policy
AP780: Deluxe Homeowners Policy
AP782: Deluxe Plus Homeowners Policy
AP784: Deluxe Select Value Homeowners Policy
AP785: Standard Select Value Homeowners Policy
AS74: Manufactured Home Policy
AVP1: House & Home Policy

American Farmers & Ranchers Mutual Insurance
AAIS FORM 1: Homeowners Basic Form
AAIS FORM 2: Homeowners Broad Form
AAIS FORM 3: Homeowners Special Form
AAIS FORM 4: Homeowners Contents Broad Form
AAIS FORM 5: Homeowners Special Building and Contents Form
AAIS FORM 6: Unit-Owners Form
AAIS FORM 8: Limited Form

American Strategic Insurance Company

CSAA Insurance
HS-00-03-OK-10-14: Homeowners Policy
HS-00-04-OK-10-14: Renters Policy
HS-00-06-OK-10-14: Condominium Owners Policy
HO00031000: Homeowners Policy Special Form
HO00041000: Homeowners Policy Contents Broad Form
HO00051000: Homeowners Policy Comprehensive Form
HO00061000: Homeowners Policy Unit-Owners Form

Farmers Insurance Company Inc.
56-5646: Farmers Smart Plan Home Program
56-5536: Next Generation Home Owners’ Policy
56-5274: Protector Plus Home Owners’ Package Policy
56-5270: Special Form Home Owners’ Package Policy
56-5273: Broad Form Renters Package Policy
56-5019: Landlords Protector Package Policy
56-5272: Townhouse and Condominium Owners’ Package Policy

Liberty Insurance Corporation
FMHO943: LibertyGuard Deluxe Homeowners Policy

Oklahoma Farm Bureau Mutual Insurance Company
SHO-Bk01 04 2020 Premier Basic Coverage Policy
SHO-Bk02 04 2020 Premier Broad Coverage Policy
SHO-Bk03 04 2020 Premier Special Coverage Policy
SHO-Bk04 04 2020 Premier Regal Coverage Policy
SHO-Bk05 04 2020 Premier Tenants Coverage Policy
SHO-Bk06 04 2020 Premier Condominium Coverage Policy
MHO-Bk01 04 2020 Premier Mobile Home Coverage Policy
MHO-Bk01 10-2017 Mobile Homeowners Coverage Policy
SHO-Bk01 10-2017 Homeowners Basic Coverage Policy
SHO-Bk02 10-2017 Homeowners Broad Coverage Policy
SHO-Bk03 10-2017 Homeowners Special Coverage Policy
SHO-Bk04 10-2017 Homeowners Regal Coverage Policy
SHO-Bk05 10-2017 Homeowners Tenant Coverage Policy
SHO-Bk06 10-2017 Homeowners Condominium Coverage Policy
SHO-Bk01: Homeowners Basic Coverage Policy
SHO-Bk02: Homeowners Broad Coverage Policy
SHO-Bk03: Homeowners Special Coverage Policy
SHO-Bk04: Homeowners Tenant Coverage Policy
SHO-Bk06: Homeowners Condominium Coverage Policy
MHO-Bk01: Preferred Mobile Homeowners Coverage Policy

Safeco Insurance Company of America
CHO-6004: Renters Policy
CHO-6088: Quality-Plus Condominium Policy
HOM:7030: Homeowners Policy

Shelter Mutual Insurance Company
HO-3: Homeowners Insurance Policy
HO-4: Renters Insurance Policy
HO-5: Platinum Shield Homeowners Insurance Policy
HO-6: Condominium Homeowners Insurance Policy
I-31.4: Mobile Homeowners Insurance Policy

State Farm Fire & Casualty Company
HW-2136 2017: Homeowners Policy
H6-2136 2017: Condominium Unitowners Policy
H4-2136 2017: Renters Policy

United Services Automobile Association
HO-3R(02): Homeowners Special Form
HO-6R(02): Homeowners Unit-Owners Form
HO-9R(02): Homeowners Preferred Protection Plan
RP-1: Renters Protection Policy General Provisions
RP-2: Renters Protection Policy Broad Personal Property
RP-3: Renters Protection Policy Broad Personal Property with Replacement Cost
RP-5: Renters Protection Policy Special Personal Property with Replacement Cost
RP-6: Renters Protection Policy Personal Liability

Earthquake Insurance Policies:

AAA Insurance
DW 04 69 05 06: Earthquake – Dwelling
HO 04 54 10 00: Earthquake – Homeowners

American Farmers & Ranchers Mutual Insurance
AFR_FO_54: Earthquake
AFR_FO_354: Earthquake Coverages E, F and G
AFR_ML_54: Earthquake Coverage

American National Property and Casualty Insurance Company
SH6924: Loss Assessment Coverage for Earthquake
SH9923: Earthquake Endorsement
SH79923: Earthquake Endorsement

Country Mutual Insurance Company
20019OK: Earthquake Endorsement (Includes Exterior Masonry)
20020OK: Earthquake Endorsement (Excludes Exterior Masonry)
20247OK: Earthquake Endorsement (Includes Exterior Masonry, Including Detached Buildings)
20248OK: Earthquake Endorsement (Excludes Exterior Masonry,Including Detached Buildings)

Farmers Insurance Company Inc.
E6138200: Earthquake Endorsement
E6188100: Earthquake Endorsement Townhouse and Condominium Owners Policy
J6267100: Earthquake Endorsement Next Generation Homeowners Policy

Liberty Insurance Corporation
HO04540694: Earthquake

Metropolitan Property and Casualty Insurance Company
HP6000 0205: Liability, Medical Expenses and Optional Coverages

Pacific Specialty Insurance Company
POL EQ H: Stand-Alone Earthquake Policy for Homeowners
POL EQ R: Stand-Alone Earthquake Policy for Renters
POL EQ C: Stand-Alone Earthquake Policy for Condominium Owners

Shelter Mutual Insurance Company
B422-28B: Earthquake Endorsement

State Farm Fire & Casualty Company
FE-7300 4: Earthquake and Volcanic Explosion Endorsement (Excluding Exterior Masonry Veneer)
FE-7301 4: Earthquake and Volcanic Explosion Endorsement

Travelers Insurance Company
HA54 797: Earthquake (Masonry Veneer Excluded)
HA54MV 797: Earthquake

United Services Automobile Association
DP-370: Earthquake
HO-370: Earthquake Homeowners
RP-3: Earthquake Renters Protection Policy
RP-5: Earthquake Renters Special Personal Property Protection Policy