American Family Homeowners Insurance

American Family Insurance - Homeowners

 3.5/5 (614 ratings)
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About American Family Insurance - Homeowners

American Family (AmFam) sells homeowners insurance, as well as coverage for vehicles and other property. You can customize its homeowners policies to fit your needs, with multipolicy discounts and diminishing deductibles for qualifying policyholders. You can’t buy AmFam’s coverage online, but you can work with a local agent to find out if its services are right for you.

Overall Satisfaction Rating

  • 5 stars
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Pros

  • Diminishing deductible
  • Multipolicy discounts
  • Customized coverage

Cons

  • Not available for purchase online
  • Not all options available everywhere

Bottom Line

AmFam offers coverage for various types of dwellings, including rentals. Its equipment breakdown plan is an affordable alternative to a home warranty, but you can’t buy its policies online.

Top American Family Homeowners Insurance Reviews

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Rated with 5 stars
Verified

I have had excellent service with Am Fam and their rates are great. Their personnel are very knowledgeable about all their services and are always there to help with any problems ...

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Rated with 5 stars
Verified

I have received great service and reasonable rates. My agent was well informed and.. made a special point to work with me after my husband died and I moved and changed policies. H...

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What is American Family Insurance?

American Family provides home, auto, life and farm insurance. Its policies are available in select locations across the U.S. It offers coverage for the following home types:

  • Single-family
  • Renters
  • Manufactured
  • Condos

Though you have to work with a local agent to sign up for American Family home insurance, you can manage your policy and make payments using the MyAmFam app. The company also offers customer care and claims services 24/7 and has diminishing deductible feature that can reduce your out-of-pocket cost in the event of a claim. Its personal liability limit is $500,000, and the cap on optional coverage for jewelry, furs, gemstones and watches is $5,000.

American Family discounts include smart home, alarm system and multipolicy savings as well as loyalty discounts for customers who’ve had policies for a year or more and multigenerational discounts for family members. If your home is 15 years old or newer or has been recently renovated, it should qualify for a discount.

American Family home insurance coverage

American Family offers a comprehensive range of coverages. The company provides three packages:

  • Economy: Ideal for property owners that want an affordable and basic coverage plan. It offers personal liability coverage up to $100,000 per occurrence with no add-ons.
  • Traditional: Offers middle-of-the-road coverage with personal liability coverage up to $300,000 per occurrence and medical expense coverage up to $25,000. It features add-on options like identity fraud expense, equipment breakdown and service line coverages.
  • Premium: Provides all the perks of the Economy and Traditional plans with options for all additional coverages.

American Family also provides flood insurance and pet coverage options. Its equipment breakdown coverage is pretty affordable and provides coverage similar to a home warranty.

American Family home insurance quotes and rates

If you bundle American Family policies, you can save up to 29% on auto coverage and 20% on home insurance. You can also save money by paying upfront in full and signing up for autopay and paperless billing. Home insurance costs vary depending on location, age of the home and coverage type. Use the calculator tool on the American Family website to get an idea of what home insurance should cost for your home or call for a personalized quote.

American Family home insurance FAQ

Where is American Family home insurance available?
American Family home insurance is available nationwide. Contact customer service or find a local agent if you’re interested in its coverage.
Does American Family home insurance cover AC units?
Yes. American Family’s equipment breakdown coverage covers air conditioning units. You can add this coverage to your policy for $20 to $30 per year.
Does American Family insure older homes?
Yes, American Family insures older homes and offers discounts for homes that have been renovated in the last 15 years.
Where is American Family located?
American Family is located in Madison, Wisconsin.

Is American Family home insurance worth it?

If you’re looking for customizable home insurance with plenty of additional coverage options, you might find what you need with American Family. The company covers both homes and home-based businesses and has multipolicy discounts available. While American Family doesn’t offer the convenience of online purchasing, its agents are trained to customize policies to each customer’s insurance needs.

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How do I know I can trust these reviews about American Family Homeowners Insurance?
How do I know I can trust these reviews about American Family Insurance?
  • 4,007,392 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer Verified Buyer
Original review: May 6, 2022

The difference of their adjuster estimate and the contractors estimate was over $5000. They do not respond to calls or emails. Take it or leave it. Extremely poor customer service and not actually providing the service they were paid for. Bought through Costco, thought they would have better companies than this.

5 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 9, 2021

If you are looking for a fantastic way to waste money, go with this company. After a recent storm, our roof was damaged and began leaking into the middle of the living room. They sent out an adjustor who said there was nothing wrong with the roof other than a few shingles missing, which is all they will pay for. Three or four shingles don't cause beams and outlets to pour water. It has been several months since that incident. We have had multiple contractors look at the roof and all were shocked at the insurance company's lack of support.

The damage to the inside of the house continued while we waited for another adjustor to come give a second opinion. They finally decided not to send an adjustor, and completely denied the claim. We paid extra for roof coverage. I am disgusted with this company and their blatant theft. If you have any other option for insurance, choose that. Even no insurance would be cheaper than throwing your money away with this company.

10 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 13, 2021

    I talked to these agents multiple times then decided to make the switch. Worst mistake of my life, now that I've had my first accident ever their customer service department that I have to call into is annoying and you can't get a direct line. I'm trying to get a rental car which I still don't have, and I had 2 different agents tell me to call around and see who does business with them then call them back with that information. I asked for a supervisor and the agent threw me back in the queue, now this was at about 1130 and the rental companies close at noon today because it's Saturday now. I missed Friday so my check is going to be short but I don't have a car for Monday either. I contacted the A.G.'s office though so hopefully they will get their act together. Otherwise I'm going to the news to see why I pay $300 a month and get treated like crap. $35 a day. I'm 6ft 4 275 lbs are you serious.

    5 people found this review helpful
    Customer increased Rating by 2 stars!
    Verified Reviewer
    Resolution response: May 8, 2021

    I take back most of what I said bad about American Family. Even though the process was really slow, my remaining balance on my mortgage was finally paid off. It was actually more the fault of my mortgage company than American Family. I still don't agree with their fire policy, but it did say right in the policy that your dwelling and contents would not be covered if the fire was started by a resident or family member.

    Original review: April 25, 2021

    I have had policies with American Family for years. Recently I had a house fire that was called a total loss. American Family sent out an adjuster and I was told that everything would be covered and so far their service was great. Then it was later determined that instead of covering everything like they had told me, they weren't going to cover ANYTHING. It was determined that my son had started the fire. If it was a neighbor or a burglar it would have been covered but since it was my son it would not be. I argued with AMFAM for months saying that my son had mental problems etc. but it did no good.

    They then determined that they would pay off the balance on my mortgage, not because they wanted to but they were required to by law. It has been almost a year now while I am STILL paying the monthly mortgage payments on a house that I don't have because AMFAM is totally refusing to make the proper kind of payment to my mortgage holder. STAY AWAY FROM AMERICAN FAMILY.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 8, 2020

    Teresea **, MO. (American Family) have been harassing me for several months on money that I do not owe them. I paid them for one month for home insurance check over the phone. No contract was ever written or made. She canceled with me (2 days after I paid a whole month) when she found out I had dogs, & the feeling was mutual because she did not warn me she was coming to my property on a snowy day that she said she was NOT getting out. Even the main office said she went against regulations & she should be fired & I can sue her.

    I paid her for a whole month & didn't even need it for 3 and half of the weeks but she wants more money after the cancellation? We had a mutual agreement to cancel! 30 days later she calls me & said she'll send me a form to cancel. So another week passes I get the form in snail mail, another week passes and she gets it back. I already had replaced my insurance. They have been harassing me non stop for $60 for almost a year now! That was suppose to be for a part of a month. I have a perfect credit score & she have sent it to collections. The lady is a psycho maniac that hates dogs. I am a widow, suddenly & unexpectedly, she knows this but yet still continue to harass me. Please do not use this insurance, she is horrible EVIL person. And do not care if she cuts your throat.

    7 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 11, 2020

    Name is very misleading (American Family) and that’s probably how/why they obtain their clients. We unfortunately fell for it. We’ve been homeowners for 27 years and have the top Homeowners Policy (Gold Star Special Deluxe) we could get for security, the Security for our home and family. In our 27 years, we have only been with American Family for the past 8 years. Luckily no claims filed in the first 20 years, but unfortunately 2 in the past 8... The first Claim was during a storm, when a limb came through our roof and shattered a skylight. We immediately called someone to patch the roof, stating they could start to repair our roof the next day. American Family didn’t want to go with them and instructed us to go with another company who’s estimate was higher.

    This company and the insurance runaround still saw our roof unfinished 6 mos. later. This is where our claims agent told us, ‘maybe we should go with our guy.’ Unfortunately, we stayed the course and finally had our roof/skylight repaired after 11 months, almost an entire year. This spring we found a slow leak, that before it presented itself, had caused significant water damage and mold. After several conversations with the claims dept. and our agent, found we were not covered. After our past experience and the premiums of their top homeowners policy, which is ridiculous, they had the nerve to deny our claim. So, as we continue to pay for this ‘Gold Star Special Deluxe Super Duper’ policy, we also have to come up with $20K to repair our home. Nice huh? This is a company that takes advantage of their clients and basically ‘cashes your checks.’ That’s about it.

    32 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 28, 2020

    Company came out for a Rental, Roof leak, with interior damage claim. They agreed there was a claim there and gave a lowball price to repair it. No contractor would give an estimate when they heard it was American Family. They had both not got paid from the same company. I ended up doing all the repairs myself and working on it for a month. I submitted my material and labor list after all work was completed, around $1000.00. They asked me to photograph all repairs and there would be a final inspection. The inspector told me I didnt have to be there. Then a couple of days later they denied the claim through an Email. Stating the roof was not covered for ice build up. They also said no interior damages were covered.

    My agent told me to get a lawyer. Lawyers dont want to take on such small claims as they know American Family's reputation. Even if they win the case, American Family still doesn't pay what they owe. Before purchasing any American Family insurance, I encourage you to check their reviews. This was something I did not do, before switching everything over to the lure of better rates. They raised all their rates after the first year to over what I had been paying to a reputable company anyway. There was selection for 0 stars. Small claims court seems to be my only option, which they attorney up, and I show up with the actual facts. I thought insurance was there for you when you really need it. I have switched insurance since and they send me out letters stating I have payments due. They are the worst company I have ever dealt with.

    20 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 30, 2020

    I Have had a policy on my home for 24 years! I've never claimed ever in those years. In those years I replaced patios roofs three times at my expense, I replaced all slopes once in that time at my expense! We had a storm with wind and hail damage recently! So I thought I paid several times with no claim to American Family Insurance. So I processed a claim for the wind and hail damages that had occurred during storm.They set a time for adjuster to come out and review damages. It's bad. Trust me! So the adjuster gets on the roof and does his review of damage which is visibly damaged. Wouldn't take a rocket scientists to see! He comes off the roof and writes a review and prints a check for $1,490.00 and comes to talk to me and hand me this check and says, "We will pay to replace 144 shingles only"! The policy had full replacement value for a new roof! They said since there was not 40% damage to roof they were not replacing it!

    This is 40% damage to each slope is required supposedly per their policy! I have never been late, never lapsed, and was looking for my insurance company to be there for me! They weren't there and truly screwed their client of 24 years. I even had a conversation with a Regional manager, I told him I trust them with everything I own with the understanding they will pay claims of damage when real and visible situations arrive. I no longer trust American Family! I don't recommend to any homeowners! They will not pay claims of damage and weasel out of them! I have had several roofers come out and the first thing they ask is for my insurance company, the very first thing they say is that company American Family insurance is your problem. They deny thousands of people a year and every year, truly thieves!

    Anyways shortly after adjuster left a lady named Michele called me, she asked me if I was ready to entertain a cash offer on my residents! Told her to pound sand! Anyways, I looked the adjuster named Chris up on Facebook, I discovered his wife's name was Michele! I think he shot a low ball adjustment to me and then called his wife to call me to give a cash offer on my residents. In my mind American Family insurance adjuster defrauded the client of American Family insurance to gain personal financial gain for him and his wife! American Family insurance, Patrick ** in Arizona! This is my last year with American family insurance and am currently shopping for new coverage! Save your money and don't do any business with American family insurance! They are a HORRIBLE insurance company!

    19 people found this review helpful
    Rated with 2 stars
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    Verified Reviewer
    Original review: March 30, 2020

    I didn’t read any reviews on AmFam before I signed up for homeowners and car insurance. I’ve always had insurance with the bigger companies. After reading how the majority of reviews are unfavorable, I’m wondering if I made a grave mistake. I, unfortunately, had a fire in my house only 8 days after moving in. An Amfam adjuster contacted me the very next day, had hotel arrangements made and cut a check for emergency funds. Awesome. So far so good. Assured me ServiceMaster would be in the next day to remove my things (12 days later, they removed some things, not all.) Also, said they would put a tarp on the house. Nothing yet. I will update this post as the claim proceeds...I sure hope I can be part of the few reviews that were favorable to American Family. We shall see.

    15 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 26, 2020

    Last year we reported that we had hail damage on our roof. We had multiple roofers come out to look at it. We contacted AFI and a claim appointment was set. We were told that the adjuster and a ladder company would come. Never heard of ladder company so I asked and was told that the person would set up the ladder. Adjuster arrived as well as a person who set up ladder. Both went up on roof. When adjuster came in she tells me that we have hail damage but it is not heavy enough to do anything about. She also tells me that the person who was here was a roofing expert not a ladder company employee.

    We talked with our roofers and were told that AFI has changed in how they are approving claims. One company bowed out working on AFI claims as too much hassle. Other roofer does not want to quote roof unless we deal with AFI. Called agent and left message describing problem. No call back. Called another day and left message. Again no call back. We have been with AFI for 26 years. Few claims due to deer hits and a chimney fire. Moved business to another company. No call from AFI on why a 26 year customer would leave. Feels like they no longer care.

    16 people found this review helpful
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    American Family Homeowners Insurance Company Information

    Company Name:
    American Family Insurance
    Website:
    www.amfam.com