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American Family

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LAST UPDATED: December 17th, 2020

Although the insurance provider's origins go back further, American Family Insurance started offering home insurance in 1958. The insurance company has competitive homeowners insurance coverage options and discounts. It has received high financial strength ratings, which make it a reliable choice.

American Family Insurance focuses on helping its clients live the American Dream by providing insurance policies to protect their family's finances and property.

Read American Family Homeowners Insurance Reviews

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The Good

  • High Financial Strength Ratings
  • Competitive Coverage
  • Matching Siding Coverage
  • Equipment Breakdown Coverage
  • Savings Opportunities
  • Useful App

High Financial Strength Ratings

American Family Insurance has received high financial strength ratings, which means the insurer is financially stable and likely able to meet its claims obligations.

Choosing a company with high financial strength ratings is important when buying insurance, and American Family Insurance's ratings make its home insurance products worth exploring further.

Competitive Coverage

American Family Insurance offers typical home insurance coverage, including dwelling, personal belongings, loss of use, and liability insurance.

You can add sump pump failure and water backup, identity theft, and credit monitoring coverage. These optional coverages are common for the industry.

Matching Siding Coverage

American Family Insurance stands out from other insurers with its matching siding coverage. This optional feature offers an additional payout to replace siding so your home's siding matches if part of your siding needs replacing as part of a covered loss.

Equipment Breakdown Coverage

American Family Insurance's equipment breakdown coverage is also uncommon for the home insurance industry. With this coverage, you can make a claim if covered appliances breakdown.

Savings Opportunities

You may be able to save on your homeowners insurance policy because American Family Insurance offers several discounts on its policies:

  • Multi-policy — discount for bundling home, auto, and life insurance
  • Security features — discount for having safety features in home
  • Age of home — discount based on how old your home is; newer homes have a higher discount
  • Renovated home — discounts for having recently renovated features
  • Payments — discounts for setting up autopay, paying in full, and going paperless
  • Loyalty — discount for being an American Family Insurance policy for over one year

Similar discounts on insurance rates can be found through other home insurers. 

However, American Family Insurance offers a generational discount that is uncommon. This discount lowers your premium rate if you are between 18 and 30 years old and your parents have an active home or auto insurance policy.

This discount makes it advantageous to choose American Family Insurance if your parents are current policyholders.

Useful App

Policyholders can manage their policy through the MyAmFam App from making premium payments to filing claims. The app is available through Google Play and the AppStore. 

Apps for policy management are becoming more common for insurers. It's nice that American Family Insurance's app is available for both Android and Apple devices.

Available Customer Service

When working with American Family Insurance, you can either get an online quote or work with an American Family advisor. This option gives you the flexibility to work with the company how you prefer.

American Family Insurance also offers a 24/7 claims service, which makes claims filing convenient.

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The Bad

  • Limited Customer Insight

Limited Customer Insight

Best Company has not received many American Family Insurance reviews, which makes it difficult to gauge customer satisfaction. More customer reviews are necessary before conclusion can be drawn about the American Family Insurance customer experience.

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The Bottom Line

Although more information on the customer experience is necessary for a full recommendation, American Family Insurance's home insurance options are worth exploring further. The insurance carrier is financially reliable and offers competitive coverage.

An American Family Insurance product may be an especially good fit if you're interested in matching siding or equipment breakdown coverage, since these offerings are not common for the industry. 

You may also find American Family Insurance a good fit if you're young and your parents have an American Family Insurance home or auto policy, you may be eligible for an additional discount not commonly offered.

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Call our recommended rep over at American Family below.

1-(855) 408-7776

Star Rating

4.0

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3 Reviews

Review Breakdown

5 grade

33%

4 grade

33%

3 grade

33%

2 grade

0%

1 grade

0%

Sentiment Criteria

Value

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Quality

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Maria West Valley City, UT

Use to have this insurance company when I bought my first house the company was pretty good but the overall service not so much never received a call making sure everything was ok

1 year ago

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