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American Family | Homeowners Insurance

American Family Homeowners Insurance
4.0
Protect your home and peace of mind with reliable coverage for life’s unexpected events.

Average Premium

  • $300k dwelling coverage $1994 / year
  • $750k dwelling coverage $3360 / year

Coverage States

Rates by Dwelling Limit

Get a Quote
Dwelling Limit American Family National Average
$150K dwelling $1,308 $1,459
$300K dwelling $1,994 $2,424
$350K dwelling $2,208 $2,740
$450K dwelling $2,638 $3,374
$750K dwelling $3,558 $5,254

Pros & Cons

Pros
  • 24/7 claims and policy assistance
  • Local agencies within reach
  • Consistently low NAIC complaint index, reflecting high customer satisfaction
Cons
  • Financial strength rating is solid, though lower than certain competitors
  • Availability limited to select states
  • Some coverage options may not be offered in every state

Discounts

  • Loyalty discount: Customers who have held an American Family policy for at least one year may qualify for a reduction in their home insurance premium.
  • Generational discount: Policyholders aged 18 to 30 whose parents maintain a home or auto policy with American Family might be eligible for this discount.
  • Renovated home discount: You may qualify for this discount if you have fully replaced your home's plumbing, electrical, and heating systems within the past 15 years.
  • Insurance payment discount: Your policy could qualify for a discount if you enroll in auto-pay, opt for paperless billing, or pay the full premium up front; this discount typically does not apply if your home policy is paid through an escrow account.

Details

  • Customer service: 1-800-692-6326
  • Website: amfam.com
  • Mailing address: 6000 American Parkway, Madison, WI 53783

Ultimate Home Resources

More Insurance Options

  • Renters Insurance
  • Home Warranty

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