American Family is a top-rated insurance company offering homeowners insurance coverage and a range of other types of policies. Coverage is currently available in just 19 U.S. states, but the insurer consistently earns above-average marks for customer service, claims processing, financial strength, and more. Property owners can manage coverage and file claims online, over the phone, or through the MyAmFam mobile app.
American Family offers home insurance coverage for both homeowners and renters living in single-family homes, condos, and manufactured homes. Depending on the policy you choose and the coverage you need, AmFam offers the following:
Dwelling coverage: This portion of your policy protects your home’s physical structure, whether it’s damaged or destroyed by perils such as fire, wind, hail, lightning, smoke, explosions, theft, and more.
Detached structures coverage: Other structures on your property, such as a detached garage, shed, gazebo, pool house, guest house, swimming pool, or fence, are covered against loss under an American Family homeowners insurance policy.
Personal property coverage: This portion of your policy covers your belongings, including your furniture, electronics, clothing, decor, and other personal items inside and outside of your home.
Personal liability protection: If someone else is injured on your property, this coverage can protect you against a lawsuit. Your policy’s liability protection may help pay for their medical expenses, lost wages, and other costs for which you might be held liable.
Loss of use coverage: If your home is damaged or destroyed, loss of use coverage can help pay for you to temporarily stay in a hotel or rental home, cover meals out of the house, pay for laundry service, and more.
You may want to bundle your American Family homeowners insurance policy with one of the other optional coverages this company offers. Some possible policies include:
American Family homeowners insurance coverage is currently offered in 19 U.S. states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.
Coverage availability, limits, and policy requirements may also vary by state, so be sure to check with American Family and your mortgage lender to understand what you need to best protect your home.
American Family doesn’t offer the cheapest home insurance coverage, but its premiums tend to fall on the lower end of the average, compared to other home insurance companies.
Your insurer will calculate your premium based on factors like your home’s value, where you live, the types of coverage you buy, the deductible you choose, and whether you’ve filed claims in the recent past.
The more insurance coverage you purchase for your home, the more you can expect to pay in premiums for that coverage. While mortgage lenders will usually require you to at least purchase enough coverage to rebuild or replace your home after a total loss, you can often bump that coverage amount up in case of inflation or unexpected expenses.
Here, you can see how rates from American Family shift based on your amount of dwelling coverage.
Where you live can affect your homeowners insurance premiums. Some states have greater risks than others — like wildfires in California or tornadoes in Oklahoma, for example. The cost of building materials and labor will also vary from one state to the next, which can further affect your homeowners insurance premiums.
Here, you can see the average rate for $300,000 in dwelling coverage from American Family across different states.
Overall, American Family receives positive marks from homeowners, insurance customers, and industry evaluators alike. AmFam holds a rating of 4.7 out of 5 on Trustpilot with more than 750 customer reviews, many of which laud the insurer’s customer service and ease of managing coverage.1 On the Better Business Bureau (BBB), American Family holds an A+ rating; though customer reviews are mixed, with some customers upset about recent increases in premiums with others praising the insurer for a smooth claims process.
AmFam also earns above-average marks from industry leaders, including AM Best and J.D. Power & Associates.
Certain industry ratings can give you a clearer idea of how satisfied customers are with the company’s services and claims processing. They can also show how likely the insurance company is to remain financially solvent if and when you need to file a claim of your own.
Some of the most trusted ratings come from companies like AM Best, which offers financial strength and credit rating evaluations; J.D. Power, which studies customer satisfaction; and the National Association of Insurance Commissioners (NAIC), which compiles data on formal consumer complaints and how they compare to other insurers of a similar size.
Locking in discounts can be a great way to save on your homeowners insurance premiums. Many of these home insurance discounts don’t require any additional work on your end but can keep hundreds or even thousands of dollars in your pocket each year.
American Family offers a wide range of homeowners insurance discounts to new and existing customers, and you may be able to qualify for more than one.
Safe, secure, and smart home discount for homeowners with installed Nest devices, smart security systems, or other eligible tech
Age of home discount if your house is less than 15 years old
Renovated home discount if you’ve updated your house’s plumbing, electrical, and/or heating systems in the last 15 years
Billing discounts when you sign up for auto pay, paperless billing, or pay your entire premium in full up front
Loyalty discount if you’ve been an AmFam customer for a year or more
Generational discount available to customers between the ages of 18 and 30 who have a parent with an active AmFam home or auto policy
Homeowners coverage probably isn’t the only type of insurance product you have (or need to buy). By bundling more than one type of coverage with the same insurer, you can often qualify for additional discounts and pay less than if you purchased two separate policies from different companies.
You can bundle your American Family home insurance policy with an auto insurance policy, life insurance coverage, an insurance policy on a vacation or rental home, boat coverage, and more. While your exact discount may vary, AmFam advertises that bundling your home and auto policies can save you 23% overall.
If a covered loss damages your property, American Family makes it easy to file a claim online, over the phone, or through the AmFam mobile app. Online and mobile app claims make it easy to upload documents and track progress, while 24/7 claims support is available over the phone.
To file an AmFam claim over the phone, call 1 (800) 692-6326.
To file a claim on your mobile device, you’ll need to download the MyAmFam app through the App Store or Google Play.
Both policyholders and guests (non-policyholders) can file claims through the AmFam website.
No matter how you choose to file a home insurance claim with American Family, you’ll need to follow some basic steps:
Provide your policy information. This might mean logging in to your account or providing the platform with your policy number. If you don’t have this or can’t log in, you can search for your policy with your last name, date of birth, and ZIP code.
Confirm the coverage and property address. If you have multiple policies through American Family, you’ll need to choose the coverage you’re filing against and confirm your property address.
Provide details about the loss. Be prepared to submit the date of loss (when the damage or loss occurred) and what property has been damaged.
Provide photos. You may be asked to submit any photos you have of the damages, if available.
Upload any relevant documentation. If your loss was due to theft or vandalism, you may be asked to provide a police report. Otherwise, if you have any other supporting documentation for your loss or damages (including quotes from repair companies), now is the time to provide those.
In many cases, American Family will send out an insurance adjuster to inspect the damages, take photos, and write up an estimated repair cost for the claim. Your insurer will then evaluate and either approve or deny your claim, so you can begin repairing your home and belongings.
You have many home insurance companies to choose from, and American Family is just one option. Here, you can see how AmFam compares to other similar insurers.
While the name can be a bit misleading, another home insurance company to consider is Auto-Owners. Available in 26 different U.S. states, it offers a range of home, auto, life, and even business insurance coverage. Both American Family and Auto-Owners provide home insurance with dwelling, liability, other structures, personal property, and loss of use coverage, and each offers a slew of discount opportunities.
Auto-Owners has more business insurance coverage than American Family and operates in more states. But Auto-Owners home insurance coverage is more costly on average than American Family’s, averaging $199 per month for $300,000 in dwelling coverage compared to AmFam’s $155 average monthly premium.
Another insurer to consider is Erie Insurance. Like American Family, Erie offers home, auto, life, and business insurance. Both companies are limited to certain regions, though Erie only offers coverage in 12 states across the U.S. compared to American Family’s 19.
Though, American Family is much more affordable, on average. While the average monthly premium for $300,000 in dwelling coverage is $251 through Erie, it’s only $155 from American Family.
If you want to know even more about American Family home insurance coverage and how it works, check out the additional information below.
Yes. American Family, or AmFam, is a legitimate insurance company with a 90-plus-year history in the U.S. American Family ratings include an AM Best financial strength rating of A (Excellent), above-average customer satisfaction ratings through J.D. Power, an A+ BBB rating, and more than 4.7 stars out of 5 on Trustpilot.
The average annual premium for an American Family homeowners insurance policy varies based on factors like location and how much coverage you choose to buy. For a policy with $300,000 in dwelling coverage, the average American Family customer pays $155 in monthly premiums.
American Family received an NAIC complaint index of 0.50 in 2023, which means the company only had about half as many consumer complaints as expected that year, compared to other insurers of its size and market share.
A lower-than-expected complaint index often indicates that the company does a good job handling consumer concerns and processing claims. AmFam also scored above average in the J.D. Power 2024 U.S. Home Insurance Satisfaction Study, demonstrating customer satisfaction in categories like claims.
American Family offers both home and auto insurance coverage, which can be bundled to save up to 23% on both policies. The company receives consistently high ratings from industry experts and consumers alike, making it one of the best home insurance choices for homeowners needing coverage in their available regions.
American Family currently holds an AM Best financial strength rating of A (Excellent), the third-best rating available. This indicates confidence that the insurer will remain solvent in the future to offer coverage and pay out on customer claims.
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