Last Updated: 04/18/2025
American National Insurance Home Insurance
Unaffiliated
Last Updated: 04/18/2025
SuperMoney User Recommendation Score +67
Strongly recommended12 total votes
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Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A(Verified 04/18/2025)
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Number of Reviews
American National Insurance Home Insurance Review
American National Insurance Home Insurance is an insurance carrier based in Galveston, TX. The company was founded in 1905 and offers home insurance in 45 states in the USA.
American National Insurance Home Insurance FAQ
What is the financial strength rating of American National Insurance 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 National Insurance Home Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.
What types of coverage does American National Insurance 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 National Insurance 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 National Insurance 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.
Equipment Breakdown Protection:
This protects from loss due to a mechanical or electrical breakdown of nearly any type of equipment, including photocopiers and computers. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
What additional benefits does American National Insurance Home Insurance offer?
American National Insurance 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
7:00AM - 6:00PM
Tuesday
7:00AM - 6:00PM
Wednesday
7:00AM - 6:00PM
Thursday
7:00AM - 6:00PM
Friday
7:00AM - 6:00PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +67, or 4.3 on a 5-point rating scale.
+67
-1000+100
No one recommends
Everyone recommends
American National Insurance Home Insurance Community Reviews
Would you recommend American National Insurance Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
If you’re in search of a home insurance company with a lot of features, then American National home Insurance is the best for you. I have been using them for a while now and they have been excellent. Interestingly, they offer a wide range of insurance coverage and you only pay for the coverage you need. Their customer service is top notch. They are always available to talk to you.
Yannick M.
Mar 9, 2022
May or may not recommend
I won’t recommend this company because they are very unhelpful for home Protect,I have personally used them and
They Don’t pay any clams
MS
Marty S.
Sep 30, 2021
May or may not recommend
If you’re in search of a home insurance company with a lot of features, then American National home Insurance is the best for you. I have been using them for a while now and they have been excellent. Interestingly, they offer a wide range of insurance coverage and you only pay for the coverage you need. Their customer service is top notch. They are always available to talk to you.
Andrew H.
Aug 12, 2021
May or may not recommend
Customer centric company which does what they say, and says what they do.
FC
Florencia C.
Jul 16, 2021
May or may not recommend
When it comes to their ability to pay for customer claims, American National is the right fit for that. American National has a major focus on financial products including health disability, annuities, and life insurance. The company always had respectful representatives available to address my questions and concerns. I definitely recommend it.
OM
Okera M.
Jul 16, 2021
May or may not recommend
I would not recommend this brand to anyone. It is not for everybody.
AW
Aven W.
Jun 24, 2021
May or may not recommend
While some insurance firms specialise in a single type of life insurance, such as term life insurance, American National offers a variety of options. You have the option of purchasing term, full, universal, or indexed universal life insurance plans.
You may qualify for fast underwriting depending on the type of coverage you select. Applications are evaluated and accepted within 72 hours, and no medical examination is required.
American National offers a variety ...Show More
AO
Adebola O.
Jun 6, 2021
May or may not recommend
My Uncle uses this insurance company. I really love the way this company attended to my uncle when fire burnt some part of his backyard. They even provided Equipment Breakdown Protection. This really wowed me.
Boris N.
Jun 3, 2021
May or may not recommend
I would recommend this company because their insurance program covers more than you typical insurance company. One thing that most companies don't provide per default is the Equipment Breakdown Protection and they provide have it. Huge win !!!
RC
Robert C.
May 6, 2021
May or may not recommend
Thank you for putting customer satisfaction as your watch word . My wife's friend recommended you when i was complaining about the need to do some repairing works in my new apartment . At first i was thinking this is another incompetent and unprofessional company but after the company was done with my work . i was wowed as i enjoyed every bit of their work and ...Show More
TK
Timz K.
Apr 10, 2021
May or may not recommend
Yeah, this was by far the best insurance experience I've ever had. I'm in love with your app.
Emma D.
Oct 24, 2020
May or may not recommend
A tree fell on my front porch destroying a part of it. I filed for claims online after I got a repair estimate from my contractor. They sent a local agent down to my house to assess the damage. They issued a check to cover the repair cost quickly. I am pleased with the quality of service they provided.
Showing 12 of 12 reviews