Table of Content
We do our best to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. American Family homeowners insurance quotes are available online. Once you complete your quote, an American Family agent will reach out to you to ask additional questions and complete the process. American Family scored a little higher than average for financial strength, as it has a respectable A rating with AM Best, but average ratings of A and A1 with Standard & Poors and Moody’s, respectively.

Diminishing deductible adds an immediate $100 credit toward your deductible and another $100 credit for each year you don’t make a home insurance claim. American Family offers very competitive home insurance rates compared to many of the top competitors. May have a banned dog list your state that makes owners of certain dog breeds ineligible for coverage. Banned breeds include pit bulls, wolf dogs, Doberman Pinschers, Rottweilers, Chows, Akitas, Presa Canarios and Caucasian Ovcharkas, including mixed breeds of these dogs.
American Family Home Insurance Review 2022
If you have any specific questions while considering which product or service you may buy, feel free to reach out to us anytime. When we reached out to AmFam about its negative reviews, the company did not comment. Founded as an auto insurer in 1927 and headquartered in Madison, Wis., American Family Insurance is a provider of home, life, auto and an array of other insurance products. Credit theft protection and monitoring keeps track of your credit data and provides identity theft monitoring. As of December 2022, American Family's AM Best rating is a respectable A.

We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. If you have made major renovations to your plumbing, heating or electrical systems in the last 15 years, you could earn a discount. There’s also a roof replacement discount if you fully replaced your roof in the last nine year.
American Family Policy Coverage
Many or all of the companies featured here provide compensation to us. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. You may be eligible for a multi-policy discount when you purchase more than one type of policy from AmFam. Read on to learn why American Family is one of our top picks for homeowners insurance and compare quotes. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available.

Liability insurance pays for property damage and injuries you accidentally cause to others, such as a houseguest who slips on a wet floor. Liability insurance also pays for a legal defense in case you are sued because of an accident. American Family earns a respectable price rating of 4.4 out of 5 due to home insurance rates that are lower than the national average and a sizable list of discounts to further your insurance savings. Plans also go beyond average coverage, adding protection to any home-based businesses as well as identity theft protection. If you’re between the ages of 18 and 30 and your parents have an active home or auto insurance policy with American Family.
Methodology: Our system for ranking the best home insurance companies
Either of these are great options to have in case local construction costs rise, which often happens after widespread damage in an area. Extended replacement cost coverage will provide a certain percentage of additional coverage over your dwelling coverage amount. Guaranteed replacement cost coverage is even better, providing an unlimited amount for necessary house rebuilding costs. In our evaluation process, we analyzed more than 100 American Family homeowners insurance reviews from policyholders to measure customer satisfaction. Like competitors who offer multiple types of insurance, most of AmFam’s negative reviews pertain to its auto policies rather than home or renters insurance.
American Family received a customer satisfaction score right around the industry average, according to J.D. This means American Family is likely middle of the pack when it comes satisfaction with claim reimbursement amounts, claim servicing, first notice of loss, and other factors the study was based on. If you have an auto and home insurance policy with American Family, you can save an average of 18% on premiums. Majority of the complaints and negative reviews are regarding customers not receiving the necessary coverage from the claim. We evaluated home insurance companies on a variety of factors that reflect their levels of protection, customer care and pricing.
If you don't click the links on our site or use the phone numbers listed on our site we will not be compensated. Partners may influence their position on our website, including the order in which they appear on the page. To that end, you should know that many advertisers pay us a fee if you purchase products after clicking links or calling phone numbers on our website. With auto insurance to enrolling in paperless billing, you can lower your home insurance rates. Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances.
The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners. Opting for auto pay, full pay or going paperless with your policy documents and billing will earn you discounts. AmFam Insurance currently has excellent financial strength ratings. We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on a Top 10 list. If you choose to click on the links on our site, we may receive compensation.
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$). Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com. AmFam Home Insurance has multiple discount options within its policy, as well as extra discounts, including family generational discounts. The insurance company has a significant amount of complaints listed on the BBB, with about a quarter of them resolved. American Family Homeowners Insurance provides competitive coverage and protection services across a broad range of home necessities.

A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ to D . AmFam's home insurance provides customized coverage for homeowners, including property, liability, and home business protection. American Family is rated positively by third parties such as AM Best and the BBB and has mixed customer reviews.