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American Family Insurance

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LAST UPDATED: May 13th, 2020

Founded in 1927 and based in Madison, Wisconsin, American Family Insurance offers home insurance to homeowners nationwide. American Family’s standard homeowners insurance can be customized to include home business coverage, home daycare insurance, short-term rental insurance, and vacation and second home insurance.

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The Good

  • Standard Coverage
  • Optional Add-Ons
  • Discounts
  • Resource Center

Standard Coverage

American Family’s standard coverage includes the following:

  • Fire
  • Smoke
  • Tornados
  • Damage from weight of ice, snow, and sleet
  • Leaking roofs
  • Lightning
  • Theft
  • Hail and windstorms
  • Falling objects such as rocks or trees
  • Wildfire
  • Frozen interior plumbing
  • Riots
  • Vandalism
  • Power surges

Optional Add-Ons

American Family offers customized coverage options to suit homeowner’s varying needs. Depending on your needs, the insurer will cover specific aspects of your home’s structure, personal belongings, temporary living expenses, and liability protection. Optional add-ons to consider include the following:

  • Equipment breakdown coverage
  • Service line coverage
  • Credit theft protection and monitoring
  • Sump pump failure and water backup coverage
  • Identity theft protection
  • Matching siding insurance


Consumers can get discounted home insurance rates within these categories:

  • Smart home discount — Qualifying smart devices include RING video doorbells, Nest devices, and Frontpoint home security systems.
  • Home purchase discount — You’re eligible if you’ve purchased your home within the past three years, regardless of the age of the home.
  • Renovated home discount — You’re eligible if you’ve completely replaced the plumbing, electrical, and heating systems in your home in the last 15 years.

Extensive Resource Center

American Family Insurance provides top notch home insurance resources on its corporate website. There’s a downloadable home inventory worksheet, a coverage comparison tool, and a homeowners insurance calculator that considers your location, the value of your home, the value of your belongings, your coverages and coverage limits, your deductibles, and details of your home like age, style, construction, and custom features.

You can also get a quick cost estimate online by simply entering your zip code. It gives you a range of what people near you are paying for home insurance, on average. Most online quote generators require you to enter personal identifying information before giving you a quote estimate.


The Bad

  • Limited Online Chat Hours

Limited Online Chat Hours

American Family Insurance says it offers 24/7 claims support, but its online chat system is not available 24/7.


The Bottom Line

The American Family Insurance resource center is the best place to go to learn about what home insurance covers, how different factors impact the cost, and what add-ons you need to cover your property. But perhaps American Family’s most useful feature is its instant cost range generator. Just be sure to follow up with an agent for the most accurate, personalized quote.

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Reese Pleasant Grove, UT

American Family Insurance has been there for me, giving me peace and assurance that I am protected, and that my family will be protected if anything happens to me and that also it is a good investment into my future.

4 years ago


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L. Fowler Pleasant Grove, UT

We have tried to cancel my policy for some time now and they keep charging us for this service. I can't understand why it is so difficult to end something when you ask them to. They were helpful in setting it up and withdrawing our money on a monthly basis.

5 years ago


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Victoria goodwin Florence, AL

The prices r great it’s just hard for the m to keep and agent in they are very friendly

3 years ago