Our analysis of the best renters insurance providers placed American Family at 23rd nationally, determined by weighing affordability, customer service and coverage together. The company's performance varies across these categories. The table below shows American Family's MoneyGeek score out of 5 for each category and corresponding national rank based on a sample renter profile.
American Family Renters Insurance Review
Updated: January 20, 2026
Advertising & Editorial Disclosure
American Family Insurance
MoneyGeek Rating
4.7/ 5
4.9/5Affordability
4.7/5Customer Experience
3.9/5Coverage Points
Average Annual Premium
$199Number of Endorsements
9Number of Discounts
7
Key Takeaways
American Family's cost for renters insurance ranges between $17 to $106 monthly, depending on your coverage limits.
If you're conscious of customer service, American Family has an exceptional score of 4.76 out of 5.
American Family offers nine optional coverage endorsements, including equipment breakdown, identity theft protection and pet insurance.
American Family Renters Insurance Ratings: MoneyGeek’s Review
| Overall | 4.51 | 23 |
| Customer Experience | 4.76 | 10 |
| Affordability | 4.48 | 41 |
| Coverage | 3.64 | 35 |
How Much Does American Family’s Renters Insurance Cost?
American Family's renters insurance costs vary by coverage limits. For $20,000 in personal property coverage, AmFam charges $178 per year, but for $100,000 in coverage, it jumps to $535 annually. Toggle through the table below to explore American Family's pricing at each coverage level and identify cheap renters insurance options for your situation.
| $20K Personal Property / $100K Liability | $17 | $199 | 1% |
| $50K Personal Property / $100K Liability | $24 | $285 | -15% |
| $100K Personal Property / $100K Liability | $32 | $380 | -32% |
| $250K Personal Property / $300K Liability | $106 | $1,271 | 9% |
American Family Renters Insurance Cost by State
Since every location has varying theft rates, weather risks and repair costs, where you live plays a role in how much your renters insurance costs. Take a look at the table below to see how American Family's renters insurance costs changes by state and coverage level.
Data filtered by:
Arizona
| $20K Personal Property / $100K Liability | $17 | $205 | -14% |
| $50K Personal Property / $100K Liability | $21 | $246 | -39% |
| $100K Personal Property / $100K Liability | $25 | $297 | -52% |
| $250K Personal Property / $300K Liability | $106 | $1,275 | 18% |
Note: Data above is for states the company is available in. It is not reflective of the company’s availability in the state.
American Family Renters Insurance Discounts
You can save on renters insurance through seven discounts from American Family. Check with an agent about which discounts are available in your state, as offerings differ by location. Review the table below for details on each discount.
Multi-Product Discount | Save by bundling multiple policies beyond auto and renters, with greater savings for each additional policy. |
Smart Home Discount | Reduce your rate when your rental includes qualifying smart home protection devices. |
Auto Pay Discount | Lower your premium by setting up automatic monthly payments. |
Full Pay Discount | Save money by paying your annual premium in one payment instead of monthly installments. |
Paperless Billing Discount | Get a discount for receiving your policy documents and bills electronically. |
Loyalty Discount | Qualify for reduced premiums after maintaining coverage with American Family for one full year. |
Generational Discount | Save on your policy if you're between 18 and 30 years old and your parents are American Family customers. |
What Does American Family Renters Insurance Cover?
Standard renters insurance coverages from American Family protect your personal property, provide liability coverage and pay for temporary living arrangements. The sections below outline what renters insurance covers under each protection type.
Personal Property Coverage
If your belongings are damaged or stolen after a covered event, this coverage pays to replace or repair them, including furniture, electronics, clothing and other personal possessions, up to a limit.
Personal Liability Coverage
Liability protection covers legal costs and damages if someone gets injured in your rental or you accidentally damage someone else's property. This coverage handles medical expenses, legal fees and settlement costs when you're found legally responsible.
Loss of Use Coverage
Loss of use pays for hotel costs and meal expenses when your rental becomes uninhabitable after a covered event. This coverage also reimburses you for additional transportation costs, pet boarding fees and other necessary expenses while your rental undergoes repairs.
Optional Renters Insurance Coverages from American Family
Nine optional coverages are available from American Family to enhance your renters insurance policy, subject to state availability. These endorsements expand your protection beyond standard coverage limits and exclusions. Review the table below for descriptions of each add-on coverage option.
Equipment Breakdown | Protects your gadgets, gaming systems and smart home devices from unexpected mechanical or electrical failures. |
Flash Flood | Provides financial protection from flash flood damage even when your rental isn't located in a high-risk flood zone. |
Water Back-Up | Covers repair costs when water enters your rental through backed-up drains, sewer lines or overflowing sump pumps. |
Home Business | Adds limited liability, medical expense and property protection for small business operations you run from your apartment. |
Pet Insurance | Helps cover veterinary costs for routine wellness exams, injuries and health problems affecting your pet. |
Travel Protection | Reimburses expenses from baggage loss, emergency medical costs overseas and trip cancellations. |
Credit Monitoring | Shields your credit from damage caused by unauthorized hard inquiries or fraudulent new accounts. |
Identity Protection | Reimburses you up to $25,000 for expenses related to restoring your identity after theft. |
Itemized Personal Property | Increases coverage limits for valuable jewelry, watches and furs beyond the standard $2,000 policy limit. |
What Does American Family's Renters Insurance Not Cover?
Standard renters insurance from American Family doesn't cover floods, earthquakes, intentional damage or business-related property losses. These exclusions apply across most renters insurance policies, though some coverage gaps can be addressed through optional endorsements.
Intentional or Criminal Acts
Your policy won't pay for damage you cause deliberately or through gross negligence to your rental or belongings. This exclusion includes self-inflicted losses and damage from failure to maintain your rental in reasonable condition.
Business Property and Liability
American Family limits coverage to $2,000 total for jewelry, watches and furs combined under standard policies. Items exceeding this limit require itemized personal property coverage to receive full replacement value protection.
Natural Disasters
Floods and earthquakes aren't covered under standard renters insurance from American Family. You need separate flood insurance through the National Flood Insurance Program or a private insurer, while earthquake coverage requires an additional endorsement or standalone policy.
How to Buy American Family’s Renters Insurance
You can buy renters insurance from American Family through their website or by working with a local agent.
- 1Determine Your Coverage Needs
Creating a home inventory of your belongings allows you to accurately determine how much renters insurance coverage you need. List each item's estimated replacement value to determine your personal property coverage limits, then consider how much liability protection and loss of use coverage makes sense for your situation.
- 2Request a Quote From American Family
Visit American Family's website to get an online quote or contact a local agent for personalized assistance. Provide information about your rental property, desired coverage amounts and personal details to receive accurate pricing.
- 3Review Your Policy Options
Compare the coverage levels, deductibles and optional endorsements American Family offers. Evaluate whether add-ons like equipment breakdown or water back-up coverage address risks specific to your rental and belongings.
- 4Apply Available Discounts
Ask your agent or check online which discounts you qualify for with American Family. Apply eligible discounts like paperless billing, auto pay or generational savings to reduce your premium.
- 5Finalize and Activate Your Policy
Review your policy documents carefully before signing to confirm your coverage limits and deductibles are correct. Submit payment and receive your policy number and proof of insurance once American Family activates your coverage.
How to File a Renters Insurance Claim with American Family
You can file a claim with American Family online, through their app or by phone to start the claims process. American Family assigns an adjuster who works with you to assess damage and process your claim.
- 1Contact American Family to Report Your Claim
Report your claim to American Family immediately after discovering damage or loss by calling their claims hotline, using their mobile app or filing online. Provide details about what happened, when it occurred and the extent of damage to your property.
- 2Document All Damage and Losses
Record videos or take photos of damaged items and the affected areas of your rental. Create a detailed list of lost or damaged belongings with descriptions, purchase dates and estimated values to support your claim.
- 3Meet With American Family's Adjuster
Schedule an inspection with the claims adjuster American Family assigns to your case. Walk them through the damage, answer their questions and provide any documentation they request to evaluate your claim.
- 4Review Your Settlement and Complete Repairs
American Family sends you a settlement offer after reviewing your claim and adjuster's assessment. Review the offer carefully, ask questions about coverage decisions and use the funds to replace your belongings or repair damage once you accept the settlement.
American Family Renters Insurance Review: Bottom Line
With an annual cost of $199 for $20,000 in personal property coverage, American Family scored 4.51 out of 5 on MoneyGeek's renters insurance rating system. The company's strongest performance comes from customer experience, where it ranks 10th nationally with a 4.76 score.
Nine endorsement options let you customize your American Family policy with coverage for equipment breakdown, water back-up damage and pet insurance. The company provides seven ways to save, including loyalty discounts after one year and paperless billing discounts.
American Family Renters Insurance: FAQ
Review these frequently asked questions about American Family renters insurance to learn more about the company's policies and pricing.
Does American Family provide quality renters insurance?
American Family scored 4.51 out of 5 on MoneyGeek's rating system and ranks 23rd nationally for renters insurance. The company excels in customer experience with a 10th place ranking and 4.76 score, though its coverage score of 3.64 ranks 35th nationally.
What does American Family charge for renters insurance?
American Family charges $199 per year for $20,000 in personal property coverage with a $500 deductible. Premiums increase to $285 annually for $50,000 in coverage and $380 for $100,000 in personal property protection.
Can you get discounts on American Family renters insurance?
American Family offers seven discounts including smart home discounts, loyalty discounts after one year, generational discounts for customers aged 18 to 30, and savings for auto pay, full pay and paperless billing. Discount availability varies by state.
American Family Renters Insurance Rates: Our Methodology
We used the following base profile to determine rates for American Family and judge the company's affordability:
- Adult renters aged 26 to 64
- Renters with a "good" credit rating
- No claims history in the last five years
- Owning an apartment or condo
We used the following base policy to calculate American Family's average premiums unless otherwise stated:
- $20,000 personal property coverage
- $500 deductible
- Replacement cost
Our ratings system for American Family consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared American Family's costs relative to the national average and competition.
- Customer experience (35% of score): We considered forum ratings from American Family customers, industry studies from J.D. Power and AM Best Financial Strength scores for the company.
- Coverage (10% of score): This score considers American Family's add-on coverage selections relative to the average and the uniqueness of selections the company provides.
Renters Insurance Review for American Family: Related Articles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
sources
- American Family. "Renters Insurance Coverages." Accessed January 20, 2026.
- American Family. "Renters Insurance Discounts." Accessed January 20, 2026.