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American Family home insurance review 2024

Updated May 23, 2024
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At a glance

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Rating: 4.2 stars out of 5
Bankrate Score
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Home

Rating: 4.2 stars out of 5

4.2

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Cost & ratings

Rating: 4.2 stars out of 5

4.2

Coverage

Rating: 4.3 stars out of 5

4.3

Support

Rating: 4 stars out of 5

4.0

About Bankrate Score

Commonly known as AmFam, this Wisconsin-based insurer has been around since 1927. American Family might be particularly appealing to policyholders who want to personalize their insurance coverage with unique add-ons.

Who American Family may be good for: American Family may be a good option for policyholders who want a well-established provider known for a wide array of coverage options and affordable pricing. 

 

Who American Family may not be good for: American Family only offers auto policies in 19 states, so they are not a good fit for drivers outside its coverage area.

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American Family home insurance

Although the company did not make Bankrate’s list of best homeowners insurance companies, AmFam’s diverse range of policy add-ons and competitive pricing positively influenced its overall Bankrate Score of 3.1 out of 5.0. However, AmFam did not score as favorably in areas such as state availability.

AmFam home insurance may be a good option for homeowners looking for unique opportunities to extend their financial protection beyond the standard homeowners insurance coverage. Beyond coverage for dwelling, other structures, personal property and liability, homeowners insured with AmFam may add hidden water damage protection to cover water damage caused by leaks within a home’s plumbing system or household appliances or opt for equipment breakdown coverage. AmFam’s matching siding protection will also cover the replacement of damaged siding after a covered loss.

Pros and cons of American Family homeowners insurance

American Family home insurance may be the right fit for some, but if you’re having doubts, it can help to compare the carrier with other home insurance companies. Here are some pros and cons of AmFam home insurance to aid in your research:

Pros
  • 24/7 claims and policy support available

  • Accessible local agencies

  • Ranked second in J.D. Power’s 2022 U.S. Home Insurance Study

Cons
  • Online and mobile app accessibility may not be as robust as competitors

  • Limited state availability

  • Not all coverage options may be available in every state

American Family home insurance cost

On average, an American Family home insurance policy with $300,000 in dwelling coverage costs $1,594 per year. This is considerably lower than the national average cost of home insurance at $2,230 per year. However, if you’re looking for cheap home insurance, remember that the final premium for your homeowners insurance policy will vary based on various factors unique to you and your home. Requesting home insurance quotes from more than one carrier will help you find the best price for your desired coverage amounts.

$150K dwelling
American Family average premium
$1,102
National average premium
$1,354
$300K dwelling
American Family average premium
$1,594
National average premium
$2,230
$350K dwelling
American Family average premium
$1,746
National average premium
$2,490
$450K dwelling
American Family average premium
$2,040
National average premium
$3,020
$750K dwelling
American Family average premium
$2,728
National average premium
$4,451

American Family home insurance discounts

To help save money on home insurance, AmFam provides policyholders with several discount opportunities. Some of AmFam’s available home insurance discounts include:

Those who have been insured with American Family for one year or more may be able to earn a discount on their home insurance premium.
Policyholders whose parents have a home or auto insurance policy with American Family and are between the ages of 18 and 30 could be eligible for this discount.
You may be able to add this discount to your policy if you have completely replaced your home’s plumbing, electrical and heating systems within the last 15 years.
If you choose to pay through auto-pay, enroll in paperless billing or pay in full up front, your policy could be eligible for a discount. This discount likely doesn’t apply if your home policy is billed to an escrow account.

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Compare American Family with other insurers

It may help to compare American Family to similar insurers before deciding if it’s the right fit for your insurance needs. With that in mind, you may find these insurers also worth considering:

Badge 1 Featured

American Family

American Family
Rating: 4.2 stars out of 5
4.2
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Cost & ratings

Rating: 4.2 stars out of 5
4.2

Coverage

Rating: 4.3 stars out of 5
4.3

Support

Rating: 4 stars out of 5
4.0

Liberty Mutual

Liberty Mutual
Not scored
Info

The Hartford

The Hartford
Rating: 3.8 stars out of 5
3.8
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Cost & ratings

Rating: 3.3 stars out of 5
3.3

Coverage

Rating: 4.3 stars out of 5
4.3

Support

Rating: 4.3 stars out of 5
4.3
OVERVIEW
Info
Liberty Mutual is another insurer with a long list of coverage endorsements for auto insurance that you may find worth exploring. The company also offers numerous other insurance products, such as motorcycle and life insurance.
The Hartford provides similar types of insurance policies when compared to American Family. However, AARP members receive discounts and unique financial services by purchasing their insurance through The Hartford.
STANDOUT FEATURES
Info
Online Reviews
Strong digital tools
Badge 1
Above-average satisfaction scores
Loan
Numerous discounts available
Badge 1
High overall customer satisfaction
Document
Coverage add-ons available
Profile
For AARP members
AVG HOME RATE
Info
No rates available $2,075
J.D. POWER HOME SCORE
Info
789/1000 807/1000
AM BEST RATING
Info
A(Excellent) A+(Superior)

Is American Family a good homeowners insurance company?

Bankrate’s insurance editorial team reviewed average home insurance premiums from hundreds of carriers. Our research shows that American Family’s rates are relatively low compared to the national average. This could be ideal for homeowners looking for affordable insurance policies.

AmFam has additional insurance policy types, as well, which can help policyholders with more complex needs who want to keep their insurance products under the same company. Furthermore, the company offers many discount opportunities that could help you save on insurance — as long as the company is available in your state.

American Family customer satisfaction

When shopping for insurance, it can be important to also consider the customer experience, especially when it comes to claims. In addition to reaching out to friends and family for their experience, also consider ratings from third-party agencies like J.D. Power, which conducts annual surveys of insurance companies and ranks them on a 1,000-point scale.

J.D. Power Property Claims Satisfaction Study

American Family ranked second in the 2022 J.D. Power U.S. Home Insurance Study and above average in the 2023 J.D. Power Property Claims Satisfaction Study. This indicates that customers were generally pleased with their policy shopping and claims experience, price, billing and interaction with the company.

American Family customer complaints 

The National Association of Insurance Commissioners (NAIC) assigns complaint indexes to insurance carriers that reflect the number of complaints lodged against a company compared to its market share. These indexes are assigned by product type with a baseline of 1.00. An index above 1.00 indicates more complaints than expected for the carrier's size and vice versa. 

The most recent NAIC Complaint Index for American Family's home insurance product was an impressive 0.12. This is far below baseline, and lines up with the carrier's high J.D. Power customer satisfaction score for its home insurance product. 

Other American Family tools and benefits

In addition to auto, home and life insurance, American Family also offers:

  • Renters insurance: If you rent your home, renters insurance can insure your personal belongings and provide liability coverage.
  • Umbrella insurance: An umbrella policy will provide additional liability coverage over your underlying auto, home and other policies.
  • Pet insurance: Owning a pet can come with many expenses, but having pet insurance could help offset some of the costs of your pet’s healthcare.
  • Farm and ranch insurance: This policy covers both the home and business parts of owning a farm or ranch.
  • Business insurance: AmFam offers business and commercial insurance for landlords and contractors, as well as some commercial office and retail spaces.

Frequently asked questions about American Family

Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
34.5K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed

Methodology

Auto

Bankrate utilizes Quadrant Information Services to analyze June 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female homeowners with a clean claims and incidents history, good credit and the following coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
Written by
Shannon Martin
Writer, Insurance
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Edited by Editor, Insurance