Last Updated: 04/18/2025
SuperMoney User Recommendation Score +43
Mostly recommended7 total votes
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Highlights
Community Rating
Mostly recommended
Financial Strength Rating
A(Verified 04/18/2025)
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Number of Reviews
American Family Home Insurance Review
American Family Home Insurance is an insurance carrier based in Madison, WI. The company was founded in 1927 and offers home insurance in 19 states in the USA.
American Family Home Insurance FAQ
What is the financial strength rating of American Family Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
American Family Home Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.
What types of coverage does American Family Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. American Family Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
American Family Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Personal Injury Liability Coverage:
This protects you against bodily injury and property damage for which you or the residents of your home are responsible.
Sewage and Drain Backup Coverage:
This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
How can you save money on a American Family Home Insurance home insurance policy?
When you ask for a quote with American Family Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Buyer
- Home Security or Protective Devices
- Recent Home Improvements / New Roof
- Home Monitoring System
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with American Family Home Insurance.
What additional benefits does American Family Home Insurance offer?
American Family Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +43, or 3.9 on a 5-point rating scale.
+43
-1000+100
No one recommends
Everyone recommends
American Family Home Insurance Community Reviews
Would you recommend American Family Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
They have great rates and discounts and were the first home insurance company I had because of the generational discount and the diminishing deductible it was an easy choice for me. The overall cost after my discounts was much lower than most companies for me at the time. The reason I ended up switching to another company tho was because of the banned dog list and I cannot support a ...Show More
NT
Natawnee T.
Apr 7, 2022
May or may not recommend
When I first started with this company they suited my family well but when we got a dog that they didn't approve of and decided to relocate to a place they didn't have coverage we had to switch companies.
Natasha N.
Mar 4, 2022
May or may not recommend
They have great rates and discounts and were the first home insurance company I had because of the generational discount and the diminishing deductible it was an easy choice for me. The overall cost after my discounts was much lower than most companies for me at the time. The reason I ended up switching to another company tho was because of the banned dog list and I cannot support a ...Show More
Miriel P.
Feb 17, 2022
May or may not recommend
I've heard of some great experiences with this company, especially for those looking for a more personalized approach. They offer a ton of options, which makes it easier to get what you want out of your insurance. If you have AmFam auto, you'll likely be able to score some nice discounts. Otherwise, AmFam Home insurance will still be on the cheaper side, making it a good option for new home ...Show More
BW
B W.
Sep 29, 2021
May or may not recommend
One of the first companies I spoke with before moving out on my own and looking for a home. They made the process easy and helped ease my mind about a few things. I didn't pick them in the end, but that was on the advice of my father more than anything. I would recommend them to anyone looking for a smaller company that can pay more attention to your ...Show More
Hannah M.
Aug 12, 2021
May or may not recommend
There are generous discounts available but sadly they aren't available nationally. They also have limited add-on coverages. Customer service is fantastic though. I talked to someone who was very friendly and accommodating!
Andrew H.
Aug 12, 2021
May or may not recommend
No direct experience with this provider. Might be an option for those looking for a more personalized experience from a smaller company.
Showing 7 of 7 reviews