American Family Home Insurance Company Review (2024)

American Family Home Insurance Company stands out as a versatile choice for comprehensive coverage, offering tailored protection across home, auto, and life insurance with competitive pricing, streamlined claims, and a foundation of strong financial stability in a crowded market.

UPDATED: Feb 18, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 18, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Feb 18, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Feb 18, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 18, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 18, 2024Fact Checked
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American Family Home Insurance Company

Average monthly rate for homeowners:

$100

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Customizable policies for various insurance needs
  • Excellent financial stability and A.M. Best rating
  • Wide range of coverage options for home, auto, and life insurance
  • Dedicated claims process with positive customer reviews
  • Competitive pricing and discounts available

Cons

  • Limited availability in certain states
  • Online quote process could be more streamlined
  • Additional discounts might be available through other providers

Final Verdict: Review of American Family Home Insurance Company

Discover the comprehensive offerings of American Family Home Insurance Company, a trusted provider known for its versatile insurance solutions. This in-depth guide navigates the array of coverage options, including home, auto, and life insurance, tailored to meet diverse needs.

With a focus on customer satisfaction, American Family’s customizable policies offer protection for dwellings, belongings, vehicles, and loved ones’ futures. From competitive pricing and discounts to streamlined claims processes, the company’s strengths lie in its commitment to service excellence.

Amidst a competitive landscape, American Family stands out for its financial stability and wide-ranging benefits, making it a reliable choice for safeguarding what matters most.

What You Should Know About American Family Home Insurance Company

Company Contact Information

Related Parent or Child Companies

  • American Family Home Insurance Company is a subsidiary of the larger American Family Insurance group, which offers a variety of insurance products and services. (read our “American Family Insurance Company Review” for more information)

Financial Ratings

  • A.M. Best: A rating of A (Excellent) for financial strength and stability.
  • Standard & poor’s: A rating of A+ (Strong) for financial security and claims-paying ability.

Customer Service Ratings

Claims Information

  • Claim filing: Claims can be filed online through the company’s website.
  • 24/7 Claims assistance: The claims team is available around the clock to assist with emergencies.
  • Quick processing: American Family aims to process claims quickly and efficiently to minimize any disruptions in your life.

Company Apps

  • Myamfam app: Available for iOS and Android, this app offers easy access to policy information, claims filing, bill payment, and more.
  • Dreamkeep rewards app: A unique app that rewards safe driving habits, encouraging users to improve their driving skills and earn incentives.

American Family Home Insurance Company Insurance Coverage Options

American Family Home Insurance Company provides a comprehensive range of coverage options to address various insurance needs. Whether you’re looking to protect your home, vehicle, or loved ones’ future, their policies offer tailored solutions. Here is a breakdown of the coverage options they offer:

Home Insurance Coverage:

  • Dwelling coverage for your home’s physical structure
  • Personal property coverage for belongings within your home
  • Liability coverage in case of accidents or injuries on your property
  • Additional living expenses coverage for temporary living arrangements if your home becomes uninhabitable due to covered events
  • Other structures coverage for structures on your property like detached garages or sheds

Auto Insurance Coverage:

  • Liability coverage to cover injuries and property damage to others in accidents you’re responsible for
  • Collision coverage to repair or replace your vehicle in case of collisions
  • Comprehensive coverage for damage to your vehicle from non-collision events like theft, vandalism, or natural disasters
  • Uninsured/underinsured motorist coverage to protect you if you’re in an accident with a driver who doesn’t have sufficient insurance
  • Personal injury protection (PIP) for medical expenses and related costs after an accident

Life Insurance Coverage:

  • Term life insurance provides coverage for a specific period (term)
  • Whole life insurance offers lifelong coverage with a cash value component
  • Universal life insurance with flexible premium payments and potential cash value growth
  • Accidental death insurance covering accidental death and dismemberment

Specialty Insurance Coverage:

  • Boat insurance to protect your watercraft against damage and liability
  • RV insurance for motorhomes, travel trailers, and campers
  • Motorcycle insurance for various types of motorcycles

These coverage options cater to the diverse needs of individuals and families, ensuring that you can choose the policies that align with your specific requirements and provide you with the protection and peace of mind you deserve.

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American Family Home Insurance Company Insurance Rates Breakdown

Driver ProfileAmerican Family HomeNational Average
Clean Record$155$119
1+ Ticket$175$147
1+ Accident$195$173
DUI$185$209
Poor Credit$267$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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American Family Home Insurance Company Discounts Available

DiscountAllied World Specialty Insurance
Anti Theft6%
Good Student10%
Low Mileage7%
Paperless4%
Safe Driver11%
Senior Driver8%

Read more: Allied World Specialty Insurance Company Review

American Family Home Insurance Company offers a variety of discounts to help customers save on their insurance premiums. These discounts are designed to reward safe behaviors, loyalty, and responsible choices. Here are some of the notable discounts that the company provides:

  • Multi-Policy Discount: Save by bundling multiple insurance policies, such as home and auto insurance, with American Family.
  • Safe Driver Discount: Reward for maintaining a clean driving record without accidents or violations.
  • Good Student Discount: Discounts for students who maintain good grades in school.
  • Loyalty Discount: Customers who stay with American Family for an extended period may qualify for loyalty discounts.
  • Home Security Features Discount: Receive a discount for having security systems such as burglar alarms, fire alarms, or other protective devices in your home.
  • Auto Safety Features Discount: Save if your vehicle is equipped with safety features like anti-lock brakes, airbags, and anti-theft devices.
  • Paperless Billing Discount: Opt for paperless billing and receive a discount on your premiums.
  • Pay-in-Full Discount: Pay your premium in full upfront and enjoy a discount.
  • Early Signing Discount: Secure your policy before your current one expires and receive a discount.
  • Renewal Discount: Renew your policy with American Family and benefit from renewal discounts.
  • New Home Discount: If your home is newly constructed, you may be eligible for a discount.
  • Auto-Pay Discount: Set up automatic premium payments and receive a discount.

These discounts provide an opportunity for customers to tailor their policies to their needs and circumstances while enjoying cost-saving benefits. It’s advisable to discuss these discounts with an American Family representative to determine which ones you qualify for and how they can help reduce your insurance costs.

How American Family Home Insurance Company Ranks Among Providers

American Family Home Insurance Company operates in a competitive insurance landscape, with several key competitors offering similar coverage and services. Here are some of the company’s main competitors:

  • State Farm: State Farm is one of the largest and most well-known insurance providers in the United States. They offer a wide range of insurance products, including home, auto, and life insurance. State Farm is known for its extensive network of agents and comprehensive coverage options.
  • Allstate: Allstate is another prominent player in the insurance industry, offering a variety of insurance policies, including home, auto, and life insurance. They are recognized for their innovative tools and resources, such as the “Drivewise” program for safe driving discounts.
  • Progressive: Progressive is renowned for its auto insurance offerings and unique “Snapshot” program, which uses telematics to determine personalized insurance rates based on driving habits. They also provide other insurance products like home, renters, and recreational vehicle insurance.
  • Geico: Geico is known for its memorable advertising campaigns and competitive auto insurance rates. While they primarily focus on auto insurance, they also offer other coverage options, including homeowners and renters insurance.
  • Liberty Mutual: Liberty Mutual offers a wide array of insurance products, including home, auto, and life insurance. They are recognized for their “Better Car Replacement” and “Home Protector Plus” programs, which provide additional coverage benefits.
  • Nationwide: Nationwide provides various insurance options, including home, auto, and life insurance. They are known for their “Vanishing Deductible” program, where deductible amounts decrease for safe driving.
  • USAA: USAA primarily serves military personnel and their families, offering a range of insurance and financial services, including home, auto, and life insurance. They are known for their excellent customer service and specialized offerings for military members.
  • Farmers Insurance: Farmers Insurance offers diverse insurance products, including home, auto, and life insurance. They are recognized for their customizable coverage options and “Signal” program for safe driving discounts.

These competitors, along with others, contribute to a dynamic insurance market where customers have multiple options to choose from. When considering insurance providers, it’s essential to compare coverage, pricing, discounts, and customer service to find the best fit for individual needs.

American Family Home Insurance Company Claims Process

Ease of Filing a Claim (online, over the phone, mobile apps)

American Family Home Insurance Company offers a user-friendly and convenient claims process for its policyholders. Customers have multiple options for filing a claim, making it easy to report incidents promptly.

You can file a claim through their official website, over the phone, or by using their dedicated mobile app. This flexibility ensures that you can choose the method that suits you best, whether you prefer the convenience of digital platforms or prefer speaking with a representative.

Average Claim Processing Time

One key aspect of the claims process is the speed at which claims are processed. American Family Home Insurance Company is known for its efficient claim processing.

While processing times may vary depending on the complexity of the claim, policyholders often experience a relatively quick turnaround. The company’s commitment to resolving claims in a timely manner is a testament to its dedication to customer satisfaction.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. American Family Home Insurance Company has generally received positive feedback regarding its claim resolutions and payouts.

Many policyholders have expressed satisfaction with the fairness of settlements and the company’s responsiveness throughout the claims process. This positive feedback reflects the company’s commitment to providing excellent service to its customers.

American Family Home Insurance Company Digital and Technological Features

Mobile App Features and Functionality

American Family Home Insurance Company’s mobile app offers a range of features and functionality designed to make managing your policy and claims easier. The app allows you to view and manage your policy details, access digital insurance cards, and file claims directly from your smartphone.

It also provides helpful resources such as safety tips and emergency contact information. The intuitive interface and robust features make it a valuable tool for policyholders on the go.

Online Account Management Capabilities

In addition to the mobile app, American Family Home Insurance Company provides policyholders with robust online account management capabilities through their website.

You can easily log in to your account to review policy documents, update personal information, and make payments online. The user-friendly online portal simplifies the management of your policy and ensures you have easy access to important information whenever you need it.

Digital Tools and Resources

American Family Home Insurance Company offers a variety of digital tools and resources to help policyholders understand their coverage and stay informed. These resources include informative articles, videos, and interactive tools that can assist you in making informed decisions about your insurance needs.

Whether you’re a new customer looking for guidance or a long-time policyholder seeking to stay updated, these digital resources can be invaluable in ensuring you have the information you need at your fingertips.

Frequently Asked Questions

What does American Family home insurance typically cover?

American Family’s home insurance typically covers the structure of your home, personal belongings, liability in case of accidents, and additional living expenses if your home becomes uninhabitable due to covered events.

How can I lower my American Family auto insurance premiums?

To lower your American Family auto insurance premiums, consider raising your deductibles, maintaining a good driving record, bundling your auto insurance with other policies, and exploring available discounts such as safe driver discounts or multi-policy discounts.

What are the advantages of American Family whole life insurance?

American Family whole life insurance offers lifelong coverage with a cash value component that grows over time. It provides a death benefit to your beneficiaries and can serve as a savings vehicle for future financial needs.

Are American Family specialty insurance policies worth considering?

American Family’s specialty insurance policies, such as those for boats or RVs, can be worth considering if you own unique assets that standard policies might not adequately cover. These policies provide tailored protection for your specialized possessions.

How do I file a claim with American Family if I experience a loss?

Filing a claim with American Family is a straightforward process. You can initiate a claim online or through their mobile app. Once submitted, their dedicated claims team will guide you through the steps and keep you informed about the progress of your claim, ensuring a hassle-free experience.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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