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Save Article Icon A bookmarkAffiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate homeowners insurance products to write unbiased product reviews.
American Family Insurance offers a range of popular insurance products using the "agent" model, meaning you work with a dedicated local agent to find the right coverage for your needs. It offers plans to fit consumer needs, earning high rankings in JD Power's home insurance study.
American Family Homeowners Insurance Compare policies and rates Insider’s Rating A five pointed starA five pointed star
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JD Power Customer Satisfaction Rating AM Best Financial Strength RatingAmerican Family Insurance dates back to 1927 when it launched as Farmers Mutual Automobile Insurance Company in Madison, Wisconsin. The name was one of many changes throughout the years. AmFam, as it's often called, offers insurance for cars, boats, motorcycles, recreational vehicles, homes, pets, and more. It aims to provide a full suite of personal insurance products to keep customers in the "family."
American Family Insurance has a strong customer service reputation with insurance agents to help with quotes, claims, and more. While AmFam offers digital services, it's unlikely to compete in that metric with companies like Hippo and Lemonade. Of course, many consumers are looking for more of the service AmFam offers, even if it means fewer online and mobile tools.
Here's a complete breakdown of all the coverages American Family Insurance offers in its homeowners insurance policies, how to file a claim, and other essential details you'll want to know.
American Family Homeowners Insurance quotes individual home policies based on several factors. For example, your homeowners insurance quote will vary based on the following:
Your annual deductible will also play a role in your premiums. So talk to your insurance agent for a balanced policy to meet your needs. Fortunately, American Family Insurance also offers free quotes to estimate and compare costs on its website.
Get Homeowners Insurance Quotes
Since American Family Insurance works with local agents specializing in insurance products for your area, you can always start the claims process in your agent's office, online, or over the phone by calling 1-800-MYAMFAM (1-800-692-6326). In addition, many AmFam policyholders use its online portal to file and track their claims.
Before you file a home insurance claim, you'll need to gather the following information and documentation:
American Family Homeowners Insurance offers numerous home insurance options for different dwelling types, including single-family homes, farms and ranches, condominiums, multi-unit properties, and more. The company also provides coverage options for property owners who want to insure the structure and built-in appliances but not personal property. Property owners renting rooms to others may also consider higher liability limits.
Its standard home insurance policies include the following:
American Family Insurance lets people customize policies to suit their unique needs. The following riders may be available on your homeowners policy, but you should work with an American Family Insurance agent to verify which riders are available.
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JD Power Customer Satisfaction Rating AM Best Financial Strength RatingIs American Family Insurance good at paying claims? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
American Family Insurance earned a score of 842 out of 1,000 in the latest JD Power Home Insurance Study. The segment average was 819, meaning American Family Insurance outperforms many of its top competitors. If you file a claim, the company will likely pay it based on your policy's terms.
Does American Family Insurance offer renters insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
American Family Insurance offers renter's insurance, which can also be bundled with auto insurance.
What do customers say about American Family Insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
While American Family Insurance gets positive ratings for its customer satisfaction, many past users complain about insurance rates seeming to inch up each year even when they don't file claims. Some customers also say filing a claim was frustrating overall, and they had trouble getting American Family Insurance to return their calls. Much of the American Family Insurance experience depends on the agent you work with.
See how American Family compares to three other options for home insurance coverage: Lemonade, Allstate, and Hippo.
Lemonade Homeowners Insurance is an online insurance provider offering affordable coverage with minimal hassle and stress. The company lets you apply for an insurance quote online or through its mobile app, but you can also call in to speak with an agent over the phone. It is built for tech-savvy customers with a newer smartphone, whereas American Family Insurance offers online quoting. But it also works with licensed insurance agents to provide more options.
In addition to home insurance, Lemonade also offers car insurance, renter's insurance, pet insurance, and life insurance coverage. Again, American Family Insurance offers a similar selection of insurance products. The company is only licensed in a limited number of states, but its site states it is working on getting licensed in all 50 states.
Lemonade's site lists homeowners premiums starting at $25 per month, which matches the average condo insurance rates in many states. However, for a single-family home, some townhomes, etc., Lemonade's rates are similar to large competitors, with licensed insurance agents quoting policies. So while the initial statement may be misleading, homeowners will quickly find out it likely offers the same rates as American Family Insurance.
Allstate Homeowners Insurance is another insurance provider worth considering if you want a local agent to help you with quotes, claims, and policy management. Its coverage is robust, with all the significant coverages and protections one would expect. In addition, you can tailor your plan based on the types of protection you want, policy limits, deductibles, and riders.
While Allstate also offers a mobile app to file and track claims, you can manage the entire process through its online portal or with the help of your assigned insurance agent. In addition to home insurance, Allstate also offers renter's insurance, landlord insurance, auto insurance, life insurance, business insurance, life insurance, and some investment products.
Allstate's premiums are higher than the national average. However, it offers many discounts, which an Allstate agent should be able to review for you to ensure you're getting the most competitive rates. American Family Insurance doesn't offer as many discounts but has competitive premiums. More importantly, it ranks high on JD Power's most recent home insurance study.
Regardless of which company you choose, we recommend comparing similar policies to see which company offers more affordable rates (as opposed to lower prices for less coverage).
Hippo Homeowners Insurance is another insurance company selling and managing insurance policies online. Hippo combines homeowners insurance with smart home technology products to make your home safer. For example, it provides leak sensors, outside cameras, motion detectors, and smart smoke alarms. Hippo aims to prevent claims by automating safety. Lemonade does not offer comparable programs.
According to the website, you can get a quote for Hippo home insurance in as little as 60 seconds. Hippo also claims to insure more than 200,000 homes across the United States. American Family offers a personalized approach in comparison, but Hippo is appealing to many younger homeowners. Premiums may be comparable, meaning the lowest price may vary between policyholders.
Many newer companies like Hippo have not made it onto JD Power's home insurance study, which ranks consumer satisfaction. American Family came in second to Amica Mutual by providing excellent consumer experiences. However, as a relative newcomer to the industry, Hippo's long-term customer satisfaction remains to be seen.
To write this American Family Insurance review, we reviewed the available coverage options from dozens of insurance companies across the United States. We compared factors like customer service ratings, included coverages, available riders, and how mobile-friendly the company is. You can read more about our homeowners insurance rating methodology to see how we measure different metrics.
We compared American Family Insurance to other insurance providers like Amica, GEICO, Progressive, USAA, and online insurance providers like Lemonade and Hippo Insurance.