American Family Homeowners Insurance

American Family Insurance - Homeowners Reviews

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About American Family Homeowners Insurance

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.

Pros & Cons

Pros
  • Diminishing deductible
  • Multipolicy discounts
  • Customized coverage
Cons
  • Not available for purchase online
  • Not all options available everywhere

Featured Reviews

Verified
Auburn, WA

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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Verified
Fargo, ND

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.

American Family Homeowners Insurance Reviews

Stars Rating

  • 22%
  • 43%
  • 22%
  • 4%
  • 9%

Popular Mentions

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    How do I know I can trust these reviews about American Family Insurance?
    • 4,461,922 reviews on ConsumerAffairs are verified.
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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Customer ServiceClaims HandlingStaff

    Reviewed June 1, 2024

    American Family Insurance is now the proud owner of Homesite Insurance. The #1 denial company of home and renters policies currently offered in the U.S. Homesite Insurance adjusters and so called investigators are actually American Family employees. On Superbowl Sunday in February 2024 my apartment was burglarized. Promptly reported burglary to the police and Homesite Ins. on 3 occasions, and gave a total of 4 statements. Adjuster advised me that he had to investigate the claim before it could move forward. Approximately 10 weeks later claim was denied.

    Reading reviews for both Homesite Ins., and it's current owner American Family, it appears to be common practice to run policyholders in circles, and then deny their claim. Homesite Insurance must have bought their rating, because it does not reflect the way they do business. It appears that American Family is purchasing 2nd tier insurance companies to better their bottom line. I thought that when I purchased my renters policy from Geico, it was insured by Geico. It actually was just the opposite. They placed my renters policy with a second tiered company called Homesite Ins., which is owned by American Family Insurance. Homesite Insurance is a denial factory, bad faith insurance company, read their customer reviews, on rating services.

    Here it is almost 5 month's later and I am without my personal property that was stolen. I have learned one thing from this whole situation, always check reviews on any and all Insurance Companies, before doing business with them. Homesite Insurance has 1000s of negative reviews from policyholders. I honestly believe their adjusters and so called investigators are paid bonuses to deny claims. Their so called investigator, who was an employee from American Family Insurance had me on the telephone for over an hour, threatening me several times, and trying to intimidate with most of her comments. You would very well served staying away from both Homesite Ins, and American Family. When you need them the most, they walk away from their obligations. Homesite Insurance is a perfect example of what to expect from doing business with a bad faith insurance company.

    Profile pic of the author.
    Customer ServiceClaims HandlingCoveragePunctuality & SpeedStaff

    Reviewed May 17, 2024

    Hello! I wanted to share some information about American Family Insurance in case it helps anyone. We have had Home, Auto, Umbrella, and two Business Insurance policies with American Family since 1998. We have never had a big claim. We are about as risky as vanilla ice cream. We have always paid our premiums on time (almost $400,000 in 27 years). Yes, Four-Hundred-Thousand dollars! Our only major claim was for roof replacement at our business from a huge hailstorm last summer.

    We recently received a notice from American Family that our policy was being “…nonrenewed due to claims experience on the effective date listed above.” In spite of the tortured English and lack of any date referenced by “effective date listed above”, I understood that after being a customer for 27 years and after paying American Family Insurance nearly $400,000, they were canceling my policy over a $37,000 roof replacement due to hail damage.

    I contacted Amy **, my American Family Insurance Agent and met with her. Her answer was that there have been many losses due to hail in the area and lots of insurance companies are cutting back on policies in Colorado. I said I buy insurance to help me mitigate risk. It isn’t like hail is a new thing in Colorado, and if American Family Insurance isn’t any better at managing predictable risks like hail in Colorado than this, then they are incompetent at what they advertise they do.

    I could understand them treating me this way if the loss was because I decided to get drunk and drive my truck through the front window and burn the building down. But, this was absolutely an act of Nature and a predictable event. Hail isn’t an “if” in Colorado. It is a “when”! Amy was cordial and was quick to point out that AmFam is happy to keep our home and auto policies in effect and we get “discounts” because we are claim-free and such low-risk, long-time customers.

    I made it abundantly clear that I would never dream of treating my customers this way, and since apparently, loyalty and being a great customer means nothing to American Family Insurance, they can no longer have ANY of my business! Thankfully this is actually a blessing in disguise because a friend referred me to a wonderful insurance agent who not only matched or exceeded the coverage we had on all policies, she saved us about $2,000 per year in premiums! I should have shopped around years ago, but you know how life is and how much fun that is. Plus, I naively thought my loyalty mattered to American Family Insurance and they would step up when I needed them. Boy was I wrong!

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      Claims HandlingCoverageStaff

      Reviewed Jan. 10, 2024

      I have been with American Family since I was 17 years old. My mother was with American Family before that. My Grandfather was with American Family before that. So when I bought my home in 2002 naturally I insured it with American Family. I’ve had one Homeowner’s claim 17+ years ago. I been paying my premiums on time every year so that American Family can use my money to pay out other people’s Claims. I filed a claim in November and American Family is stalling & even working to deny this claim. It never occurred to me that American Family would not be there for my family when I needed them.

      So now I am shopping for new Homeowners & vehicle insurance for myself and my mother who lives with me for the first time since I was 17 years old. 37 years and I’ve never had a claim for an accident ever! Looking back I am ashamed of being an American Family Customer without question for as long as I have, even if American Family isn’t ashamed of how they treat their long-time multi-generational customers. I realize the only reason I was satisfied with American Family is because I never needed them to do anything for me, all I did was pay them. Sad Day.

      Customer ServiceClaims HandlingStaff

      Reviewed Sept. 28, 2023

      We had a claim for hail damage. They said they would pay the claim via EFT. After no deposit for a while I found a check that had been mailed along with the damage description. Once the work was completed we submitted for recoverable depreciation. Several times I've told that we'd have the funds via EFT. Another time we were told we would hear back in 2 days. Nothing ever happens. Today I called again and poor agent was totally frustrated. ALL supervisors lines went straight to voice mail for her. She went into the manager queue and was told to just take down my name, number and claim and I would get a call back in 24 to 48 hours. I've heard this lie repeatedly and so has my agent, who has tried to fix this. It appears they do not intend to pay me.

      Claims Handling

      Reviewed May 15, 2023

      On 3/17/23, we alerted Kirk ** that we would not be renewing our homeowners policy and auto policy with him as his office has made so many mistakes and truthfully not been able to bill right or fill out the paperwork correctly for anything and we have never even submitted a claim or any kind or needing anything other than them to bill properly. We are NOT on auto-renewal with him, yet he auto-renewed our homeowners policy and billed our mortgage company ILLEGALLY over 30 days before the renewal date of 6/13/23 when we gave him plenty of advance in writing on 3/17/23 that we would not be renewing. Today, 5/10/23, he stole $2,700 from our escrow account (without sending over any new policy by the way). Now they are refusing to refund. Kirk ** and American Family Insurance are criminals and thieves!

      Claims HandlingCoverageStaff

      Reviewed May 12, 2022

      I have decided that there is a big difference between 'thinking' you are insured and actually being insured. I have been a happy AmFam customer for years. Great local agent. Enjoy the commercials. Feeling totally secure. Now, not so much. We had a statewide wind event a number of months ago. Nearly all homes in my neighborhood experienced roof damage. I was told by an AmFam adjuster that I had substantial damage, in fact more than my neighbors. When my claim was finally processed, I was told by AmFam that I could get it repaired and they wouldn't honor the claim.

      I had two licensed roofers come to my home to bid on a roof repair and neither would attempt a repair because they said the roof would look worse by being repaired. I complained to my agent and was told, "roofs aren't a good deal for insurance companies." My roof is the only roof in my neighborhood that wasn't repaired by insurance.

      A few weeks later I was in a rental car - 'thinking' I had great insurance and had a battery problem. Great! I had AmFam roadside assistance. It was 10:00 pm at night and I spent an hour trying to navigate the phone system to get me to get some 'roadside assistance'. Finally, it was easier to pay some local service $100 for a jump start than spend the night trying to get help from AmFam. The lesson I learned? Thinking I was insured by a great company and actual reality were two different things. Think twice before buying this insurance.

      Verified purchase
      Customer Service

      Reviewed 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.

      Claims HandlingCoveragePrice

      Reviewed 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.

      Customer ServiceStaff

      Reviewed 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.

      Customer Service

      Reviewed May 15, 2021

      I always pay my premium by phone. In April I paid the amount quoted to me. In May I tried to make my payment and was told I had no account. I received a refund of my April payment with no indication it was the wrong amount. Seems my premiums were raised $40 a month but that wasn't on their pay by phone system (still had my old amount). Never received any info informing my payment was too small and I was being cancelled. Now my payments are almost $60 more a month. I have been a customer of theirs for almost 34 years. Horrible way to treat a long standing customer.

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      American Family Homeowners Insurance Company Information

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