Is American Family committed to sustainability?

American Family’s DreamBank Community strives to motivate individuals to pursue their business and personal dreams. The program hosts three experiences: Dream Camp, Dream Summit and Dream Academy to support this initiative. It also has a physical location in Madison, Wisconsin, called DreamBank Madison. It serves as a co-working and community center to give participants a place to work, network and listen to inspirational speakers.

How do you file a claim with American Family?

Filing a claim with American Family Insurance is simple, and can be done 24/7. You have several ways to do it: At the website, either by logging in as a policyholder or as a guest. By calling the company at 1-800-MYAMFAM (1-800-692-6326)/ Through the company's mobile apps for Android and Apple devices.

Is American Family Insurance financially stable?

American Family Insurance has an "A" rating from AM Best, which monitors the credit ratings of American insurance companies. This is the third highest rating possible and indicates a company that is well-managed financially and more than capable of paying out on claims when necessary.

American Family home insurance review 2024

Written by

Shannon Martin

Edited by

Lisa McArdle

Edited by

Lisa McArdle

Updated Oct 07, 2024

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict ,this post may contain references to products from our partners. Here's an explanation of .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

4.2

Bankrate Score

Score breakdown

Home

4.2

Cost & ratings

4.2

Coverage

4.3

Support

4.0

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

Often called AmFam, this Wisconsin-based insurer has been writing policies since 1927. For this American Family insurance review, our insurance editorial team looked at average rates, discounts, digital abilities and more to find out if it could be a good choice for your coverage.

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.

Answer a few questions to see personalized rates from top carriers

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 4.2 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. It may be a good idea to read American Family home insurance reviews to see what other policyholders have to say about the company. 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 in fifth place, well above average, in J.D. Power's 2024 Property Claims Satisfaction Study

Cons

Financial strength rating is good, but not as high as some 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 $1,691 per year. This is considerably lower than the national average cost of home insurance at $2,285 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 $1,139	National average premium $1,394
$300K dwelling	American Family average premium $1,691	National average premium $2,286
$350K dwelling	American Family average premium $1,862	National average premium $2,550
$450K dwelling	American Family average premium $2,195	National average premium $3,091
$750K dwelling	American Family average premium $2,959	National average premium $4,526

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:

Get personalized home insurance quotes

Answering a few quick questions to check your availability with American Family

Do you own or rent this home?

Own Rent

ZIP Code

Your information is kept secure

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Leaving so soon? Your custom quotes are just minutes away.

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:

Featured American Family Rating: 4.2 stars out of 5 4.2 Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings 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 Read Review	Liberty Mutual Not scored Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings Read Review	The Hartford Rating: 3.8 stars out of 5 3.8 Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings 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 Read Review
OVERVIEW Bankrate identified key carrier features, coverage offerings, discounts and more
Commonly known as AmFam, this Wisconsin-based insurer has been around since 1927. 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. Read More	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. Read More	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. Read More
STANDOUT FEATURES These features are some of the carrier’s most impressive
Discounts for bundling High customer satisfaction Low rates for those with accidents	Strong digital tools Above-average satisfaction scores Numerous discounts available	High overall customer satisfaction Coverage add-ons available For AARP members
AVG HOME RATE Average national annual cost of a home insurance policy with $300K in dwelling coverage
$1,691	No rates available	$2,075
J.D. POWER HOME SCORE J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
813/1000	789/1000	807/1000
AM BEST RATING AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
A(Excellent)	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.

It's worth noting that AmFam has high marks for its digital experience — something that is increasingly important to policyholders. The company earned a second-place score for service in J.D. Power's 2024 Insurance Digital Experience Study, while it placed fourth in the category of shopping. This indicates that the company has a robust online presence that makes it easy for individuals to purchase and manage their accounts digitally.

In addition, AmFam has decent marks for its mobile apps, earning a rating of 3.4 in Google Play and 4.7 in the Apple App Store. The AmFam app gives you easy access to all policy documents, and you can use it to obtain a quote and manage payments. You can also file and manage claims through the app and summon roadside assistance.

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 scored slightly below average on J.D. Power's 2024 Home Insurance Study and above average on the 2024 J.D. Power Property Claims Satisfaction Study. This indicates that, in general, policyholders are satisfied with their claims experience and customer service interactions, though there may be room for improvement.

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.

AmFam's NAIC Complaint Index rating has been below average for the past three years, indicating that the NAIC has fielded fewer complaints than the industry average from American Family policyholders. This suggests that the company places a high value on its customer relationships and claims satisfaction process.

Other American Family tools and benefits

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

Renters insurance: Renters insurance can be a solid way to protect your personal belongings during a disaster. AmFam's renters insurance also covers personal liability and loss of use coverage, which will help pay for expenses if you can't live in your apartment if it is being repaired after an approved claim.
Umbrella insurance: This type of policy provides extra support if a claim is higher than your policy limits. It covers bodily injury liability, property damage liability and personal offense coverage.
Pet insurance: If pets are part of your family, pet insurance can ensure that their care is covered. AmFam's pet insurance covers accidents, illnesses, injuries, hospitalizations, surgeries and more.
Travel insurance: This insurance offers options like global medical insurance, trip cancellation coverage and Mexico boat or car insurance.
Farm and ranch insurance: AmFam offers several options here, including coverage for your home, farm buildings and livestock.
Business insurance: AmFam's policies are customized to suit the needs of businesses, both large and small, covering liability, property, inventory, employees and vehicles.

Frequently asked questions about American Family

American Family’s DreamBank Community strives to motivate individuals to pursue their business and personal dreams. The program hosts three experiences: Dream Camp, Dream Summit and Dream Academy to support this initiative. It also has a physical location in Madison, Wisconsin, called DreamBank Madison. It serves as a co-working and community center to give participants a place to work, network and listen to inspirational speakers.
Filing a claim with American Family Insurance is simple, and can be done 24/7. You have several ways to do it:
- At the website, either by logging in as a policyholder or as a guest.
- By calling the company at 1-800-MYAMFAM (1-800-692-6326)/
- Through the company's mobile apps for Android and Apple devices.
American Family Insurance has an "A" rating from AM Best, which monitors the credit ratings of American insurance companies. This is the third highest rating possible and indicates a company that is well-managed financially and more than capable of paying out on claims when necessary.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage levels:

40 year old

Married male and female homeowners

2016 build year

Primary home

Good credit score

Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$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.

Additional profiles:

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

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.

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. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

Overall Score

Cost & ratings 50%
Coverage & savings 30%
Support 20%

Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.