American Family Homeowners Insurance Review 2025
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
American Family
Coverage options
Discounts
NAIC complaints
American Family
Coverage options
Discounts
NAIC complaints
Choose American Family home insurance if…
Why trust NerdWallet
About American Family home insurance
American Family homeowners insurance earned 4.5 out of 5 stars for overall performance.
Founded in Madison, Wisconsin, American Family sells homeowners insurance and other policies in 19 states. You can customize an American Family home insurance policy with a variety of add-ons, including coverage for identity theft, valuable jewelry or the breakdown of major appliances.
How American Family home insurance stacks up
Variety of coverage options.
Discounts available for qualifying smart-home devices.
Far fewer consumer complaints than expected for a company of its size.
Not available in all states.
May restrict liability coverage for certain dog breeds.
Where American Family home insurance stands out
Customer satisfaction. American Family receives far fewer customer complaints than expected, suggesting that its policyholders tend to be happy with their coverage.
Wildfire prevention services. American Family has partnered with Wildfire Defense Services to offer free assistance in protecting your home from wildfires. The company includes these services with homeowners policies in select Western states such as Colorado, Arizona, Nevada, Oregon and Washington.
Where American Family home insurance falls short
Availability. American Family’s homeowners policies generally aren’t available in certain parts of the U.S., including most of the East Coast.
State availability
American Family homeowners insurance policies are available in 19 states.
Standard American Family home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Dwelling. Pays to repair or rebuild the structure of your home.
Other structures. Covers damage to unattached structures such as sheds or fences.
Personal property. Pays to repair or replace personal belongings such as furniture or clothing.
Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Personal liability. Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Medical payments. Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
Optional American Family home insurance coverage
American Family Insurance offers the following types of optional coverage:
Sump pump failure and water backup. Pays to repair water damage if your sump pump overflows or your sewer backs up.
Identity theft. Covers costs associated with restoring your finances if someone steals your identity.
Home-based business. Provides additional liability and personal property coverage if you run a business from your home.
Equipment breakdown. Pays to repair or replace appliances, home systems or smart-home devices that experience a sudden mechanical, electrical or pressure systems failure.
Matching siding. When an event like a storm or fire damages your siding, your home insurance will cover the cost of replacing it. Matching siding protection pays to replace undamaged siding so everything matches.
Service line. Pays for repairs to water, power or other underground lines that run to your house.
Senior living. Covers liability and personal belongings for older adults in nursing homes or assisted living facilities.
Vacant home. Available for three-, six- or 12-month periods, this coverage pays for damage if your house is unoccupied during renovations or while it’s on the market.
Hidden water. Covers damage, including mold, resulting from hidden water leaks.
Temporary rental. If you rent your home out to others temporarily (no more than 62 days a year total), this coverage pays for damage that happens during those rental periods.
Scheduled personal property. If you have individual items that are particularly valuable — such as an engagement ring or musical instrument — you can buy separate insurance that covers them for a wider range of potential problems.
What’s not covered
Standard American Family homeowners policies don’t cover:
Hidden water damage.
Mold and rot.
Infestations.
Wear and tear.
Lack of maintenance.
Extra coverage may be available for some of these scenarios.
Flooding is the most common disaster in the U.S., and you don’t need to live near the beach to be at risk. Discover why you might need flood insurance, even if your mortgage lender doesn’t require it.
American Family home insurance rates
American Family homeowners insurance costs $2,300 per year, on average, according to NerdWallet’s rate analysis. That’s more than the national average of $1,915 per year. American Family’s average rates were higher than the state averages in most of the states we analyzed.
Our sample rates are for 40-year-old homeowners with good credit, a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your own rates will be different.
Discounts
Depending on where you live, you may be able to get a discount for:
Having safety features or smart devices such as a video doorbell.
Having multiple American Family policies.
Going paperless, setting up automatic payments or paying your premium in full, upfront.
Being insured with American Family for at least a year.
Insuring a home that's less than 15 years old.
Being between 18 and 30 years old and having a parent who’s an American Family customer.
Replacing your home’s plumbing, heating or electrical systems within the past 15 years.
Consumer complaints
American Family had far fewer than the expected number of complaints to state regulators relative to its size for home insurance, according to three years’ worth of data from the National Association of Insurance Commissioners.
Digital experience
The American Family website offers comprehensive details on the company’s coverage options and discounts, plus general insurance advice. You can also use the site to get a quote, file and track claims, and find a local agent.
Download the MyAmFam mobile app to make payments or set up autopay, view policy information, file and track claims, and reach out to your local agent.
How to file a claim with American Family
American Family offers a variety of ways to file home insurance claims, including online, through the app and by phone at 800-692-6326. You can track claim status on the company’s website or app. For advice, see how to file a home insurance claim.
How to contact American Family customer service
You can call American Family at 800-692-6326, reach out to a local agent or send an email through the website.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as financial strength, consumer complaints, coverage, discounts and customer experience.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 50 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Methodology
Homeowners insurance star ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer complaints (30%).
Financial strength (30%).
Coverage (20%).
Consumer experience (10%).
Discounts (10%).
Read our full ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the U.S. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
In This Review . . .
DIVE EVEN DEEPER IN INSURANCE
