Updated: November 13, 2025
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Average Annual Premium
Number of Endorsements
Number of Discounts
American Family ranks fifth for customer experience among regional providers, with a strong score of 4.75 out of 5.
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 the 39 regional providers MoneyGeek reviewed, earning strong marks for affordability, customer service and coverage options. This ranking shows how well the company performs in the factors that help homeowners choose the best homeowners insurance for their needs.
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 differ by location, since local weather risks, construction costs and state rules all affect premiums. For example, homeowners in Wisconsin pay about $1,932 per year, which is $2,068 less than the average cost for homeowners 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.
See what an American Family home insurance policy includes and how each coverage type helps protect 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, or endorsements, that let homeowners tailor their policies for added protection. These endorsements provide extra coverage beyond what’s included in a standard policy, helping cover risks that basic homeowners insurance may not address.
Availability varies by state, so it’s important to check which options apply where you live. The table below lists 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.
Decide how much home insurance you need based on the value of your home and belongings. Create a home inventory to set accurate coverage limits and make sure everything you own is listed.
Visit American Family’s website or talk to a licensed agent to request a personalized quote. You’ll be asked for basic home details such as location, size and construction type to get an estimated premium.
Review different coverage levels and optional endorsements to find a plan that fits what you need. Try to balance the premium cost with the amount of protection each option provides.
Before you buy, ask your agent or check online for available discounts. Savings may be available for bundling policies, installing smart home devices or keeping a claims-free record.
Read your policy carefully to confirm the coverage limits, deductibles and exclusions. Once everything looks correct, sign the policy and keep a copy for your records.
You can file a homeowners insurance claim with American Family through an agent, the mobile app or the website.
Let American Family know about the incident as soon as you can by filing a claim online, through the app or with a local agent. Share basic details about what happened and the damage you’re reporting.
Take clear photos or videos of the affected areas and list all damaged items. This helps support your claim and makes the review process smoother.
An adjuster will check the damage to confirm the cause and estimate repair costs. Be ready to answer questions and provide any extra information they may need.
After your claim is approved, you’ll receive a settlement that explains 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, with a 4.69 out of 5 overall score. It delivers solid value through competitive pricing, reliable customer service and comprehensive coverage options.
You'll pay around $2,830 yearly for $250,000 in dwelling coverage, though your actual rate depends on your location and home value. The company also offers practical add-ons like hidden water damage protection for unseen leaks and service line coverage for underground utility repairs.
If you’re looking into American Family home insurance, these answers to common questions may help:
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.
