Considering affordability, customer service, coverage and financial stability, American Family ranks third overall in the nation for home insurance. The company offers some of the most affordable home insurance rates and excels in customer satisfaction. Review our ratings below.
American Family Home Insurance Review
Updated: June 25, 2025
Advertising & Editorial Disclosure
Key Takeaways
American Family ranks fourth overall for home insurance affordability.
American Family's customer satisfaction ranks first in the nation, with high claims satisfaction and financial stability ratings.
American Family ranks third overall for coverage options, with unique choices, including business property coverage and personal property replacement coverage.
American Family Home Insurance Ratings
| Overall Rating | 82 | 3 |
| Affordability | 44 | 4 |
| Customer Satisfaction | 30 | 1 |
| Coverage | 7 | 3 |
| Financial Stability | 2 | 3 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
American Family Home Insurance Ratings by State
While American Family ranks within the top three nationally, these ratings vary depending on your state. The table below shows how the company stacks up by location.
| Arizona | 92 | 2 |
| Colorado | 77 | 4 |
| Idaho | 93 | 1 |
| Illinois | 82 | 4 |
| Indiana | 91 | 1 |
| Iowa | 91 | 2 |
| Kansas | 87 | 3 |
| Minnesota | 83 | 3 |
| Missouri | 72 | 2 |
| Nebraska | 93 | 1 |
| Nevada | 74 | 1 |
| North Dakota | 88 | 1 |
| Ohio | 90 | 2 |
| Oregon | 83 | 2 |
| South Dakota | 57 | 6 |
| Utah | 84 | 2 |
| Wisconsin | 55 | 6 |
How Much Is American Family Home Insurance?
For most homeowners, American Family home insurance costs $179 monthly and $2,145 yearly. However, depending on your unique profile and coverage needs, costs can vary from $104 to $934 monthly. Below, we've broken down costs in a filterable table that can fit your profile.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
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Age of Home:Older Homes
| $250K Dwelling / $125K Personal Property / $200K Liability | $179 | $2,145 |
American Family Home Insurance Cost by State
Costs also vary heavily by state. Below, you can review pricing for American Family home insurance by location:
| Arizona | $129 | $1,545 |
| Colorado | $271 | $3,250 |
| Idaho | $79 | $953 |
| Illinois | $295 | $3,543 |
| Indiana | $119 | $1,433 |
| Iowa | $132 | $1,584 |
| Kansas | $259 | $3,107 |
| Minnesota | $181 | $2,177 |
| Missouri | $225 | $2,701 |
| Nebraska | $304 | $3,644 |
| Nevada | $90 | $1,081 |
| North Dakota | $142 | $1,702 |
| Ohio | $127 | $1,518 |
| Oregon | $89 | $1,063 |
| South Dakota | $398 | $4,781 |
| Utah | $78 | $939 |
| Wisconsin | $121 | $1,451 |
American Family Home Insurance Coverage Options
In addition to standard coverage options, American Family offers the following add-ons:
Add-on Coverage Option | Coverage Details |
|---|---|
Equipment breakdown | Provides protection should appliances, home systems or smart home devices be damaged due to an unexpected mechanical or electrical breakdown |
Declining deductible | Rewards you for being a responsible homeowner by crediting your deductible $100 each year, up to your policy maximum |
Home rental | Covers damage during temporary rental periods if you rent your home out to others temporarily (no more than 62 days a year total) |
Home business property | Extends your home insurance's liability limits and coverages to your small business, whether run out of an office or your home |
Personal property replacement cost | Covers your belongings for replacement cost value without deduction for depreciation, allowing you to replace items with new ones rather than receiving depreciated value |
Roof coverage | Provides coverage for roof damage from covered perils like wind, hail, fire and storms as part of dwelling coverage |
Senior living protection | Helps protect personal belongings up to $15,000 if a loved one moves into an assisted living facility |
Service line | Helps pay to repair or replace damaged service lines, including underground piping and wiring for electrical power, heating and natural gas |
Vacant home | Available for three-, six- or 12-month periods, this coverage pays for damage if your house is unoccupied during renovations or while it's on the market |
Water damage | Covers water damage caused by a leak you can't see within plumbing within walls, floors, ceilings, cabinets or behind or under a home appliance |
Cyber event/Identity theft | Covers expenses up to $25,000 that help you repair damage done to your good name, including attorney fees, lost wages and certified mail expenses after identity theft |
Back-up of sewer or drain | Helps mitigate the cost of repairs caused by water coming back into a home due to a backed-up drain or an overflowing sump |
American Family Homeowners Insurance Review: Bottom Line
Overall, American Family ranks among our top three for home insurance policies, and we recommend contacting it for quotes. While American Family may be a good provider, compare other options and pricing to get the best deal.
American Family Home Insurance: FAQ
Below are answers to frequently asked questions about American Family home insurance:
Is American Family home insurance good?
American Family is a strong home insurance option, placing third overall in our study. It ranks highly in customer satisfaction, coverage and financial stability.
How much is home insurance with American Family?
American Family home insurance for $250,000 in dwelling coverage averages around $2,145 per year, lower than the national average. Premiums may vary from $1,300 to $11,212 annually.
How is American Family's home insurance customer service?
According to J.D. Power, American Family's home insurance ranks first for customer service, scoring right around the national average.
How We Rated American Family Home Insurance
We used the following base profile to determine rates for all homeowners insurance providers and judge their affordability:
- 40-year-old homeowner
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the past 5+ years
Our ratings system consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared costs relative to the national average and competition.
- Customer experience (35% of score): We considered forum ratings from customers, industry studies from J.D. Power and AM Best Financial Strength scores.
- Coverage (10% of score): This score considers add-on coverage selections relative to the average and the uniqueness of selections available.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.