American Family, a Wisconsin-based company, sells homeowners insurance in 19 states. An American Family home insurance policy can be customized with many add-ons. These include coverage for identity theft and breakdown of major appliances. There are also discounts and rates that you may be eligible to use. How do we rate homeowners insurance providers Star […]

American Family, a Wisconsin-based company, sells homeowners insurance in 19 states. An American Family home insurance policy can be customized with many add-ons. These include coverage for identity theft and breakdown of major appliances.

There are also discounts and rates that you may be eligible to use.

How do we rate homeowners insurance providers

Star ratings are based upon consumer complaints data from the National Association of Insurance Commissioners, financial strength grades from AM Best, coverage and discounts available, and overall consumer experience. Check out our criteria for evaluating home insurers.

Why NerdWallet is a trusted source of information

American Family Home Insurance Star Rating


NerdWallet rating

American Family homeowners insurance received 4.5 stars overall for performance. Our editorial team determines NerdWallet ratings. The formula for scoring homeowners insurance takes into consideration policy coverage options and discounts as well as ease of filing a claim. It also considers website transparency, financial strength, and complaint data from National Association of Insurance Commissioners.

State availability

American Family homeowners insurance policies can be purchased in 19 states.

American Family Home Insurance Coverage

While you can personalize your homeowners insurance with many add-ons and options, the following are the most common types of coverage:

Types of coverage

What does it do

Repair or rebuild your home.

Covers damage caused by unattached structures like a shed or fence.

Repairs or replaces personal property such as clothing or furniture.

You can pay for meals at restaurants, hotel stays and other expenses while your home is being repaired.

Indemnity for legal expenses and damages in the event of injuries or damage to property or persons other than you.


Injuries to your guests at home are covered regardless of fault.

American Family Insurance provides the standard homeowners insurance coverage, as well as the following optional coverages:

Sump pumps fail and water backup. Pays for a sump pump that overflows or a back-up sewer.

Identity Theft. Covers the costs of restoring your finances in the event that someone steals your identity.

Home-based business. Personal property and liability coverage.

Equipment failure. Pays for repairs or replacement of appliances or home systems that have experienced a sudden electrical, mechanical or pressure system failure.

Your home insurance will cover damage to your siding from a storm or fire. You can get matching siding protection for as much as $20,000 to replace damaged siding.

Service Line. Pays to repair underground water, power, or other lines that run to your home.

Senior Living. Liability and personal property coverage for seniors in assisted living or nursing homes.

Home that is vacant. This coverage covers damage to your home if it is not in use during renovations or on the market.

Hidden water. This covers up to $25,000 of damage including mold resulting from water leaks.

Temporary rent. This coverage covers damage to your property during temporary rental (no more that 62 days per year).

Scheduled personal items. You can purchase separate insurance to cover them for more potential problems.

American Family Home Insurance Rates

According to NerdWallet, American Family homeowners insurance averages $1,748 per annum. This is slightly lower than the $1,784 national average per year. American Family’s average rates were lower than those of the other states that we examined.


It may be possible to receive a discount depending on where you live.

  • Safety features and smart devices like a video doorbell.

  • Multiple American Family Policies.

  • Buying your first home in the last three years.

  • Go paperless by setting up automatic payments and paying your premium upfront.

  • Becoming insured with American Family for at minimum one year.

  • Home insurance for homes less than 15 years of age.

  • Between 18 and 30, and having an American Family customer parent.

  • Repairing or replacing your home’s heating, plumbing, or electrical system within the last 15 years.

Customer complaints

American Family received fewer complaints than expected from state regulators for its home insurance business, according to data from the National Association of Insurance Commissioners. This was based on three years of data.

Consumer experience

Website: The American Family website provides comprehensive information about the company’s coverage options, discounts, and general insurance advice. The site can be used to obtain a quote, track and file claims, and locate a local agent.

App Use the MyAmFam app for payments and autopay setups, policy information and to file and track claims.

Claims: American Family provides a range of options for filing home insurance claims. You can do so online or by calling 800-692-6326. The company’s website and app allow you to track the status of your claim. See how to file a claim for home insurance.

Customer Service: Call American Family at 800-692-6326 to speak with a representative or send an email via the website.

American Family stands out

Customer satisfaction. American Family received fewer customer complaints than anticipated and scored higher than the average in J.D. Power’s 2022 U.S. Home Insurance Study.

Affordable. American Family’s rates tends to be lower than the average in states where it sells homeowners insurance, according to NerdWallet analysis.

American Family is short

Accessibility. American Family homeowners policies are not available in all areas of the U.S.A, including the East Coast.

American Family Home Insurance is right for you?

American Family provides convenient options for managing your policy online or through an agent. It is worth looking into if you live in one of the states covered by American Family.

There are other home insurance companies you should consider

Are you not ready to make a final decision? These other companies offer homeowners insurance:

  • Allstate Many coverage options and discounts.

  • Progressive : Sales of homeowner policies primarily through third-party agents

  • State Farm Strong coverage by the largest insurance company in the country.

Questions frequently asked

American Family offers what other types of insurance?

American Family sells life, auto, renters and boat insurance. Read our American Family Insurance review to learn more.

How long have American Family been around?

American Family was originally founded in 1927 as Farmers Mutual Automobile Insurance Co. Since the 1960s, the company has been known as its current name.

American Family has any restrictions on dog breeds?

American Family may require certain breeds of dog to be kept in a secure area or show proof of spaying or neutering. Your liability coverage for dog-related injuries may be reduced to $25,000. Find out more about homeowners insurance and dog bites.