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American Family

in Renters Insurance

Unaffiliated Visit Site

American Family

Unaffiliated

in Renters Insurance

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Overview

Where does American Family do business?

American Family is an insurance carrier based in Madison, WI. The company was founded in 1927 and offers renters insurance in 19 states in the USA. 

What is the financial strength rating of American Family?

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 scores an A+, SuperMoney's highest available rating.

What types of coverage does American Family offer?

Renters insurance includes a wide range of coverages. One of the best ways to save money on your policy is to only pay for the coverage you need. American Family offers the following types of renters insurance coverage:

  • 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.
  • 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.
  • Renters Liability Coverage: If a claim is made against you or you are sued as a result of a covered occurrence, your renters personal liability coverage can help to cover the associated legal costs and related damages. For example, if a visitor accidentally trips and falls in your apartment and breaks a leg, your renters insurance policy may be able to help protect you.
  • American Family customers can also add the following riders or endorsements to their renters 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.
  • 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 renters insurance policy?

When you ask for a quote with American Family, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.

  • Alarm System.
  • Home Monitoring System.
  • Smoke Detectors.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with American Family.

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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 19 states
  • Arizona
  • Colorado
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Minnesota
  • Missouri
  • Nebraska
  • Nevada
  • North Dakota
  • Ohio
  • Oregon
  • South Dakota
  • Utah
  • Washington
  • Wisconsin

Feature Breakdown

Policy Discounts
  • Automatic Payment
  • Family Plans
  • Full Payment
  • Loyalty / Long-Term Customer
  • Multiple Policy
  • Paperless Billing / e-billing
Property Discounts
  • Alarm System
  • Home Monitoring System
  • Smoke Detectors
Home and Renters Insurance Riders
  • Earthquake Coverage
  • Identity Theft Protection
  • Sewage and Drain Backup Coverage
  • Valuable Items
Financial Strength Rating
  • A+
Available 24/7 by Phone  
Property Damage  
Liability  
Personal Property Protection  
Guest Medical Protection  
Home and Renters Insurance
  • Guest Medical Protection
  • Personal Property Protection
  • Reimbursed Living Expenses
  • Renters Liability Coverage
Identity Theft Insurance  

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