ABOUT AMERICAN FAMILY HOMEOWNERS INSURANCE
American Family (AmFam) sells homeowners insurance, as well as coverage for vehicles and other property. You can customize its homeowners policies to fit your needs, with multipolicy discounts and diminishing deductibles for qualifying policyholders. You can’t buy AmFam’s coverage online, but you can work with a local agent to find out if its services are right for you.
Compare our top 6 Home Insurance companies
EverQuote Home Insurance Services
Levels Of Coverage : 4
Maximum mileage: 130,000
Waiting period: 30 days and 1,000 miles
Availability: Most states (not MA)
Nationwide Homeowners Insurance
Levels Of Coverage : 12
Maximum mileage: Unlimited
Waiting period: 30 days and 1,000 miles
Availability: Most states (not MA)
State Farm Homeowners Insurance
Levels Of Coverage : 5
Maximum mileage: 250,000
Waiting period: 30 days
Availability: Nationwide
Levels Of Coverage : 3
Maximum mileage: 120,000
Waiting period : 30 days
Availability : Nationwide
Farmers Homeowners Insurance
Levels Of Coverage : 2
Maximum mileage: 120,000
Waiting period: 300,000 miles
Availability: price-locked
American Family Homeowners Insurance
Levels Of Coverage : 3
Maximum mileage: Unlimited
Waiting period: 30-days
Availability: nationwide
What is American Family Insurance?
American Family provides home, auto, life and farm insurance. Its policies are available in select locations across the U.S. It offers coverage for the following home types:
- Single-family
- Renters
- Manufactured
- Condos
Though you have to work with a local agent to sign up for American Family home insurance, you can manage your policy and make payments using the MyAmFam app. The company also offers customer care and claims services 24/7 and has diminishing deductible feature that can reduce your out-of-pocket cost in the event of a claim. Its personal liability limit is $500,000, and the cap on optional coverage for jewelry, furs, gemstones and watches is $5,000.
American Family discounts include smart home, alarm system and multipolicy savings as well as loyalty discounts for customers who’ve had policies for a year or more and multigenerational discounts for family members. If your home is 15 years old or newer or has been recently renovated, it should qualify for a discount.
American Family home insurance coverage
American Family offers a comprehensive range of coverages. The company provides three packages:
- Economy: Ideal for property owners that want an affordable and basic coverage plan. It offers personal liability coverage up to $100,000 per occurrence with no add-ons.
- Traditional: Offers middle-of-the-road coverage with personal liability coverage up to $300,000 per occurrence and medical expense coverage up to $25,000. It features add-on options like identity fraud expense, equipment breakdown and service line coverages.
- Premium: Provides all the perks of the Economy and Traditional plans with options for all additional coverages.
American Family also provides flood insurance and pet coverage options. Its equipment breakdown coverage is pretty affordable and provides coverage similar to a home warranty.
American Family home insurance quotes and rates
If you bundle American Family policies, you can save up to 29% on auto coverage and 20% on home insurance. You can also save money by paying upfront in full and signing up for autopay and paperless billing. Home insurance costs vary depending on location, age of the home and coverage type. Use the calculator tool on the American Family website to get an idea of what home insurance should cost for your home or call for a personalized quote.
