Review of American Family Homeowners Insurance 2022

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.

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.

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

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

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.

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.

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  Safety features and smart devices like a video doorbell.
  

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  Multiple American Family Policies.
  

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  Buying your first home in the last three years.
  

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

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  Becoming insured with American Family for at minimum one year.
  

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  Home insurance for homes less than 15 years of age.
  

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

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

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.

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.

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.

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

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.

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.