Updated: October 21, 2025
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Average Annual Premium
Number of Endorsements
Number of Discounts
American Family ranks fifth for customer experience among regional providers, earning a strong 4.75 out of 5 score.
American Family ranks 24th nationally among regional providers for affordability, with an average cost of $2,830 per year for $250,000 in dwelling coverage.
Homeowners with American Family can enhance protection with optional coverages like hidden water damage, equipment breakdown and service line coverage.
American Family ranks 4th nationally among 39 regional providers MoneyGeek reviewed, earning high marks for its balance of affordability, customer service and coverage options. This ranking reflects how the company performs across key areas that determine the best homeowners insurance for different types of policyholders.
Review the table below and see American Family’s MoneyGeek score for each category out of 5 and its national rank, based on a sample homeowner profile.
| Overall | 4.69 | 4 |
| Affordability | 4.86 | 24 |
| Customer Experience | 4.75 | 5 |
| Coverage | 3.93 | 6 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
American Family costs an average of $2,830 per year for $250,000 in dwelling coverage. Rates increase with higher coverage limits; for instance, $1 million in dwelling coverage averages $6,958 annually. Several factors affect the cost of homeowners insurance, including your location, home value and deductible choice.
Use the table below to compare average homeowners insurance costs from American Family by coverage amount and toggle between deductibles to find cheap homeowners insurance options that fit your budget.
| $100K Dwelling / $50K Personal Property / $100K Liability | $135 | $1,622 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $236 | $2,830 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $380 | $4,555 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $486 | $5,830 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $580 | $6,958 |
American Family costs an average of $2,830 per year for $250,000 in dwelling coverage. Rates increase with higher coverage limits; for instance, $1 million in dwelling coverage averages $6,958 annually. Several factors affect the cost of homeowners insurance, including your location, home value and deductible choice.
Use the table below to compare average homeowners insurance costs from American Family by coverage amount and toggle between deductibles to find cheap homeowners insurance options that fit your budget.
| $250K Dwelling / $125K Personal Property / $200K Liability | $179 | $2,145 |
Home insurance rates with American Family can vary depending on where you live, since factors like local weather risks, construction costs and state regulations influence premiums. For example, homeowners in Wisconsin pay about $1,932 per year, which is $2,068 less than the average cost for those in Kansas.
Explore the table and see where American Family’s homeowners insurance is available for a policy with $250,000 in dwelling coverage and a $1,000 deductible.
Note: Data above is for states in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.
American Family offers six homeowners insurance discounts, though availability may vary depending on your state. Take a look at American Family's available discounts below.
Bundle and Save | Save up to 40% when you combine your home and auto insurance or other qualifying policies under American Family. |
Age of Home Discount | Homes under 15 years old may qualify for lower premiums, as newer homes typically have fewer claims. |
Renovated Home Discount | Receive a discount if you’ve fully replaced your plumbing, electrical and heating systems within the past 15 years. |
Insurance Payment Discount | Save by setting up Auto Pay, paying in full, or opting for paperless billing. |
Loyalty Discount | Homeowners insured with American Family for at least one year may qualify for a lower premium. |
Generational Discount | Policyholders between 18 and 30 can save if a parent has an active home or auto policy with American Family. |
American Family’s homeowners insurance includes the six standard coverages found in most policies, providing protection for your home, belongings and liability.
Take a look at what home insurance covers under an American Family policy and how each type of coverage helps safeguard your property.
Dwelling coverage protects the main structure of your home, including the roof, walls and built-in fixtures.
Other structures coverage applies to detached structures on your property like garages, fences and sheds. It helps pay for repairs or replacement if these structures are damaged by a covered peril.
Personal property coverage insures your possessions, such as furniture, clothes and electronics, against theft or damage from covered risks. This protection extends beyond your home, often covering belongings you take with you when traveling.
Personal liability coverage provides financial protection if you’re found responsible for injuring someone or damaging their property. It can help pay for legal defense costs, medical bills and damages awarded in a lawsuit.
Medical payments coverage takes care of small medical costs if a guest is hurt on your property, regardless of fault. It’s meant to quickly cover minor injuries without the need for legal action.
Loss of use coverage reimburses you for extra living expenses if you can’t stay in your home after a covered loss. This can include costs for temporary housing, meals and other essentials while repairs are being made.
American Family offers 16 optional coverages, also known as endorsements, which allow homeowners to customize their policies for more specific protection. These endorsements add extra layers of coverage beyond a standard policy, helping safeguard against risks not typically included in basic homeowners insurance.
Availability can vary by state, so homeowners should confirm which options apply in their area. The table below outlines each coverage and what it includes.
Equipment Breakdown | Covers the cost to repair or replace home systems and appliances that suffer mechanical or electrical breakdown. |
Flash Flood | Provides protection from inland flooding and flash flood events, even in areas outside high-risk flood zones. |
Hidden Water Damage | Extends coverage to water leaks that occur behind walls, ceilings or under floors and aren’t visible to the homeowner. |
Home Renovation | Protects against foundation collapse and covers theft or damage of construction materials during home renovation projects. |
Matching Undamaged Siding | Pays to replace undamaged siding so the home’s exterior matches after a covered loss. |
Roof Damage | Helps cover the cost difference between your roof’s current value and the full replacement cost after wind or hail damage. |
Service Line | Covers repairs or replacement for damaged underground service lines like water, power or gas pipes. |
Sewer Back-Up, Septic Back-Up and Sump Overflow | Helps pay for repairs caused by water backing up through drains or overflowing sump pumps. |
Home Business | Adds limited coverage for property and liability related to small businesses operated from your home. |
Short-Term Rental | Provides protection for your home and contents when it’s rented out temporarily. |
Vacant Home | Offers flexible coverage for unoccupied homes with 3-, 6- or 12-month policy terms. |
Vacation Home | Insures a secondary residence and its contents against covered losses. |
Credit Monitoring | Monitors credit activity and alerts you to potential threats like unauthorized accounts or inquiries. |
Identity Protection | Reimburses up to $25,000 for costs related to restoring your identity after theft. |
Itemized Personal Property | Expands coverage limits for valuable items such as jewelry and collectibles beyond the base policy. |
Senior Living Protection | Extends personal property protection to belongings owned by or in the care of an elderly family member. |
Standard homeowners insurance from American Family doesn’t cover every type of loss; certain events and damages fall outside the scope of a basic policy. Major natural disasters, maintenance issues and intentional acts are typically excluded, so homeowners may need additional coverage for full protection.
Damage from floods, earthquakes and other earth movements isn’t covered under a standard policy. American Family, however, has flood insurance as an optional add-on.
Regular deterioration, mold, pest infestations and damage caused by poor maintenance are excluded. Homeowners are responsible for keeping their property in good condition to prevent these issues.
Losses caused deliberately by the homeowner or from illegal activity aren’t covered. Insurance only applies to sudden and accidental damage, not intentional acts or foreseeable negligence.
You can buy home insurance from American Family either online or through a local agent who can help you customize your coverage. The process is simple and ensures you get the right protection for your home and budget.
Start by figuring out how much home insurance you need based on the value of your property and belongings. Creating a home inventory helps you estimate accurate home insurance coverage limits and ensures everything you own is protected.
Visit American Family’s website or contact a licensed agent to request a personalized quote. You’ll need to provide basic home details, such as your location, size and construction type, to receive an estimated premium.
Review different coverage levels and optional endorsements to find a plan that fits your needs. Make sure to balance premium costs with the amount of protection each policy provides.
Ask your agent or check online for available discounts before finalizing your purchase. Savings are often available for bundling policies, installing smart home devices or maintaining a claims-free record.
Carefully read through your policy details to confirm your coverage limits, deductibles and exclusions. Once everything looks right, sign your policy documents and keep a copy for your records.
To file a homeowners insurance claim with American Family, speak to an agent or use their mobile app or website.
Notify American Family as soon as possible after the incident by filing a claim online, through the app or with your local agent. Provide basic information about what happened and the extent of the damage.
Take clear photos or videos of all affected areas and make a detailed list of damaged property. This documentation helps support your claim and ensures a smoother review process.
An adjuster will assess the damage to verify the cause and estimate repair costs. Be prepared to answer questions and provide any additional information the adjuster requests.
Once your claim is approved, you’ll receive a settlement outlining what’s covered and the payment amount. You can then move forward with repairs using your preferred contractors or those recommended by American Family.
American Family ranks 4th among 39 regional providers reviewed by MoneyGeek, earning a strong 4.69 out of 5 overall score for balancing affordability, customer service and coverage. The company’s homeowners insurance costs an average of $2,830 per year for $250,000 in dwelling coverage, though rates can vary by location and home value. Homeowners can also customize protection through optional coverages such as hidden water damage, which protects against unseen leaks, and service line coverage that pays for underground utility repairs.
Below are answers to frequently asked questions about American Family home insurance:
American Family homeowners insurance covers your home’s structure, personal belongings and liability for accidents that happen on your property. It also includes protection for additional living expenses if your home becomes uninhabitable after a covered loss.
A standard American Family policy with $250,000 in dwelling coverage costs an average of $2,830 per year. Your exact rate depends on factors such as your location, home value, coverage limits and deductible.
American Family offers 16 optional coverages to expand protection beyond a standard policy. These include options like hidden water damage coverage for unseen leaks and service line coverage for underground utility repairs.
American Family offers six discounts, including bundle-and-save, loyalty and smart home device savings. Homeowners can also qualify for discounts based on home age, renovations or payment methods like Auto Pay or paperless billing.
We used the following base profile to determine rates for American Family and evaluate its affordability compared to other regional homeowners insurance providers:
Our rating system for American Family consisted of the following scoring mechanisms:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
