American Family ranks seventh overall in the country compared to national and regional insurers due to its high customer satisfaction and coverage scores. While it's a good choice for those with minimal personal property, whether it's right for you with higher coverage levels depends on your circumstances.
American Family Renters Insurance Review
Updated: June 26, 2025
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Key Takeaways
American Family ranks 19th in the nation for affordability, offering average premiums of $21 monthly or $247 annually for $50,000 in property coverage.
American Family ranks second in customer satisfaction.
Arizona is where American Family performs the best, ranking first nationally.
American Family Renters Insurance Ratings
| Overall Score | 87 | 7 |
| Affordability | 56 | 19 |
| Customer Satisfaction | 23 | 2 |
| Coverage | 5 | 4 |
| Financial Strength | 4 | 3 |
American Family Renters Insurance Ratings by State
American Family ranks seventh nationally for renters insurance. The company struggles with affordability, but has strong customer satisfaction and financial stability.
Below, we've provided how the provider compares to the competition by state.
| AZ | 92 | 1 |
| CO | 53 | 7 |
| IA | 61 | 6 |
| ID | 90 | 2 |
| IL | 77 | 3 |
| IN | 83 | 3 |
| KS | 51 | 6 |
| MN | 78 | 4 |
| MO | 67 | 5 |
| ND | 89 | 2 |
| NE | 86 | 2 |
| NV | 80 | 3 |
| OH | 76 | 4 |
| OR | 80 | 3 |
| SD | 86 | 2 |
| UT | 68 | 4 |
| WA | 60 | 5 |
| WI | 58 | 5 |
American Family Renters Insurance Cost
American Family's average renters insurance costs range from $22 to $130 monthly. Because costs vary widely depending on factors specific to you, we've created a filterable table to compare costs for your profile nationally.
Data filtered by:Results filtered by:
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Coverage Level:$50K Personal Property / $100K Liability
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All Perils Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| $50K Personal Property / $100K Liability | $21 | $247 |
American Family Renters Insurance Cost by State
With rates ranging from $9 to $24 per month, American Family's renters insurance pricing depends on your personal situation. We've compiled a national cost comparison table to help guide your decision.
| AZ | $194 | $16 |
| CO | $285 | $24 |
| IA | $207 | $17 |
| ID | $163 | $14 |
| IL | $287 | $24 |
| IN | $249 | $21 |
| KS | $249 | $21 |
| MN | $241 | $20 |
| MO | $280 | $23 |
| ND | $113 | $9 |
| NE | $198 | $17 |
| NV | $228 | $19 |
| OH | $340 | $28 |
| OR | $233 | $19 |
| SD | $138 | $12 |
| UT | $185 | $15 |
| WA | $244 | $20 |
| WI | $186 | $15 |
*These rates are for a renter with good credit and no claims history who opts for a policy with $50,000 in personal property coverage.
American Family Renters Insurance Discount Options
American Family offers seven discounts, more than the industry average. Here are American Family's discount options:
Discount | Description |
|---|---|
Auto-bundle | Save up to 5% to 7% when you bundle your renters and auto policies. The discount is applied at the start of your policy term. |
Multi-policy | Bundling policies other than auto and renters can score you a multi-product discount. The more policies you have, the more you can save. |
Smart device discount | If your rental is equipped with a qualifying smart device, you could be eligible for a proactive home protection discount. |
Payment | Multiple payment-related savings, including auto pay, full pay (paying premium in full upfront) and paperless billing discounts. |
Generational | If you're between the ages of 18 and 30 and your parents are American Family customers, you could save on your renters insurance policy. |
Loyalty | Available for having your American Family renters policy for at least a year. |
Diminishing deductible | Rewards you for being a responsible renter by crediting your deductible $100 each year, up to a maximum of $500. |
American Family Renters Insurance Customer Satisfaction
American Family ranks second for renters insurance customer satisfaction, with a MoneyGeek score of 23 out of 30. It also earns ninth in J.D. Power’s recent customer satisfaction study. On the other hand, it ranks slightly below average in property claims satisfaction.
American Family Renters Insurance Coverage Options
American Family offers these additional renters coverage options:
Identity theft
American Family provides optional identity fraud coverage to help protect you from the costs and hassles of identity theft, including legal fees and document replacement expenses.
Equipment breakdown
This optional coverage helps protect your electronic devices and appliances from mechanical or electrical breakdown, covering repair or replacement costs that aren't typically covered by standard policies.
Valuable items
American Family offers additional coverage for high-value items like jewelry, art or collectibles that may exceed standard personal property limits, providing specialized protection for your most treasured belongings.
Pet protection
American Family provides up to $1,000 in coverage for your family pet, helping pay certain veterinary bills and final expenses if they're injured during a covered event.
Travel insurance
Whether you're traveling within your state or across the world, American Family's partner provides customizable travel insurance with coverages like trip cancellation and global medical insurance to protect you and your belongings while away.
American Family Renters Insurance Review: Bottom Line
American Family ranks seventh nationally for renters insurance, offering affordable plans with good service in some areas, but availability and performance can vary by location. It's wise to consider other providers and compare quotes to find the best deal for your needs.
American Family Renters Insurance: FAQ
Below are answers to frequently asked questions about American Family renters insurance:
Is American Family renters insurance good?
American Family renters insurance ranks seventh nationally, making it an average choice. It boasts second for customer satisfaction but ranks 19th in affordability.
How much does American Family renters insurance cost?
American Family's renters insurance rates are influenced by various factors, with premiums from $113 to $340 annually.
Is American Family's renters insurance cheap?
American Family's affordability ranks 19th; making its options more costly than average for renters. It's wise to consider other options if cost is a top priority for you.
How We Rated Renters Insurance Companies
To evaluate American Family as a renters insurance company, MoneyGeek obtained information directly from its website and manually collected quotes. We also used information from consumer intelligence organizations such as J.D. Power, the National Association of Insurance Commissioners (NAIC) and AM Best to see how American Family compares to other providers.
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.
sources
- J.D. Power. "Rampant Home Insurance Increases Strain Customer Satisfaction — and Drive Policy Shopping, J.D. Power Finds." Accessed June 26, 2025.
- J.D. Power. "Widespread Price Increases, Extreme Weather Events and Long Repair Cycle Times Strain Customer Satisfaction with Homeowners Insurance Claims, J.D. Power Finds." Accessed June 26, 2025.