{"id":323640,"date":"2025-11-07T21:33:05","date_gmt":"2025-11-08T02:33:05","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=122257"},"modified":"2025-11-07T21:33:05","modified_gmt":"2025-11-08T02:33:05","slug":"american-family-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/","title":{"rendered":"American Family Homeowners Insurance Review"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"American Family Homeowners Insurance Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Homeowners insurance costs have climbed since 2021; the latest NAIC data show national average expenditures increased again in 2022, with broad double\u2011digit rate hikes across many states through 2023\u20132024 (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">III\/NAIC<\/a>; <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>).<\/li><li>Customer satisfaction across property &amp; casualty insurance has been pressured by premium increases, while strong digital experiences and clear communication can mitigate declines (<a href=\"https:\/\/www.theacsi.org\">ACSI<\/a>; <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-auto-insurance-study\">J.D. Power<\/a>).<\/li><\/ul>\n\n\n\n<p>American Family, or AmFam as it is frequently called, started writing policies in 1927 and now offers a broad variety of insurance products including homeowners insurance. In a market where premiums have risen due to higher reconstruction costs and catastrophe losses, pricing varies by home and location, but American Family offers bundling and discount opportunities that can help manage premiums over time.<br>If you are looking for <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/about\/\">homeowners insurance<\/a>, American Family is worth including in your quote comparisons.<\/p>\n\n\n\n<p>This American Family homeowners insurance review highlights key features, trade-offs, and what to know in 2025.&nbsp;<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"American Family Home Insurance Overview\"><\/span>\n    \n\n\n<section id=\"block_60d377066dae5\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">American Family Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">1927<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                AM Best:\n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">A<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power: \n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">890<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                Avg. Premium:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">$1,295<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>American Family is profiled on <a href=\"https:\/\/today.yougov.com\/topics\/finance\/explore\/brand\/American_Family_Insurance\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">YouGov.com<\/a>, where brand sentiment among U.S. consumers is generally positive. Recent independent research points to mixed customer experience across property insurers amid premium increases; see J.D. Power&#8217;s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-property-claims-satisfaction-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Property Claims Satisfaction Study<\/a> for context. Another indicator of quality, the <a href=\"https:\/\/eapps.naic.org\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Consumer Complaint Index<\/a> of the National Association of Insurance Commissioners (NAIC) allows apples\u2011to\u2011apples comparisons by line of business and legal entity; an index of 1.00 is expected for a company\u2019s size (lower is better).&nbsp;<\/p>\n\n\n\n<p>In a competitive and capacity\u2011constrained homeowners market, American Family may be worth a look if it serves your state. Be sure to compare coverage details, deductibles (including separate wind\/hail where applicable), and any mitigation credits (for example, fortified roof standards) alongside price.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"Pros\" title=\"Pros vs Cons\"><\/span>\n    \n\n\n<section id=\"block_60d3776f6daeb\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Generous discounts available:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">American Family home insurance offers bundling, newer home, renovated home discounts, and more.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Diminishing deductible: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">When customers are claims-free, the company drops home insurance deductibles by $100 each year.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Smart home rewards:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">American Family offers discounts for home security, energy efficiency, and smart home features.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Functional website: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">AmFam&#8217;s website allows customers to file a claim, compare coverage options, and more.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Not available nationally:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">American Family homeowners insurance is only available in Arizona, Colorado, Georgia, and 16 others. <\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Limited add-on coverage options:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">American Family home insurance has fewer options for customizing policies than many other insurers.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Mixed American Family insurance reviews: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Although its J.D. Power ranking is high, American Family scores from NAIC and Better Business Bureau are lower than average.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"American Family Highlights\"><\/span>\n    \n\n                \n<section id=\"block_60d377c26daf3\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">American Family Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Pricing <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Coverage <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Customer Experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Discounts &#038; Add-ons <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Pricing\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>AmFam\u2019s average annual policy costs $1,295 for $250,000 in dwelling coverage, according to 2021 data from Bankrate.com, which is below the national average of $1,312. <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/compare-quotes-pm\/\">Your own rate will vary<\/a>, however, based on multiple factors, but customers should be able to save with the company\u2019s lengthy discount list. Remaining claim-free will also net savings on deductibles, which drops by $100 every year you go without filing a claim.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-does-homeowners-insurance-cover\/\">Standard American Family home insurance covers<\/a> the home, its contents, liability, and temporary living expenses if the home is uninhabitable following a covered loss. Customers can also customize their policy to add equipment breakdown coverage, sump pump failure, identity theft and credit theft protection and monitoring, service line coverage, <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/does-homeowners-insurance-cover-water-damage\/\">hidden water damage<\/a>, and matching siding insurance coverage.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer Experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>American Family homeowners customer experience reviews are mixed. The best reviews come from J.D. Power, which places AmFam in sixth place nationally on its customer satisfaction ranking. On the other hand, J.D. Power found AmFam&#8217;s online experience less than stellar, ranking it below average for both service and shopping in its <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-insurance-digital-experience-study\" target=\"_blank\" rel=\"noopener\">2021 U.S. Insurance Digital Experience Study<\/a> and <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2020-us-home-insurance-study\">2020 Home Insurance Satisfaction Study<\/a>.<\/p>\n<p>AmFam&#8217;s ratings with NAIC and the BBB are lower, with the latter showing a significant number of complaints, and NAIC rating it at 1.35, where anything over 1 indicates a greater than average number of complaints.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Discounts &#038; Add-ons\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>American Family offers an average number of add-ons coverage options that allow homeowners to add some customization to their policies to meet home insurance specific needs.<\/p>\n<p>Homeowners can find the following discounts with American Family home insurance company:<\/p>\n<ul>\n<li>Bundling multiple policies<\/li>\n<li>Newer home<\/li>\n<li>Renovated home<\/li>\n<li>Auto pay, pay in full, paperless billing<\/li>\n<li>Loyalty<\/li>\n<li>Generational<\/li>\n<\/ul>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Competition Chart\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">American Family vs. The Competition&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><td><strong>J.D. Power Customer Satisfaction**<\/strong><\/td><td><strong>AM Best<\/strong><\/td><\/tr><tr><td>American Family<\/td><td>Varies (see note)<\/td><td>See latest study<\/td><td>A<\/td><\/tr><tr><td>State Farm<\/td><td>Varies (see note)<\/td><td>See latest study<\/td><td>A++<\/td><\/tr><tr><td>Geico<\/td><td>Varies (see note)<\/td><td>See latest study<\/td><td>A++<\/td><\/tr><tr><td>Allstate<\/td><td>Varies (see note)<\/td><td>See latest study<\/td><td>A+<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information updated in 2025. Figures can vary by source, state and coverage assumptions.<\/em><\/p>\n\n\n\n<p><em>*Recent nationwide estimates are available from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/cheap-homeowners-insurance\">NerdWallet<\/a> (standardized sample policies).<\/em><\/p>\n\n\n\n<p><em>**J.D. Power <\/em><a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2020-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"><em>Home Insurance Satisfaction Study<\/em><\/a><em>. Based on a 1,000-point scale; results update annually.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">American Family vs. State Farm&nbsp;<\/h3>\n\n\n\n<p>State Farm and American Family both offer a broad set of standard homeowners coverages and common discounts (including multi\u2011policy bundling). Actual prices vary significantly by location and home characteristics, so it\u2019s best to compare like\u2011for\u2011like quotes and available discounts in your ZIP code.<\/p>\n\n\n\n<p>Where <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm <\/a>often excels is financial strength, with an A++ from AM Best \u2014 the highest possible Financial Strength Rating in the \u201cSuperior\u201d category \u2014 signaling strong claims\u2011paying ability even in catastrophe years (<a href=\"https:\/\/ratings.ambest.com\/\">AM Best Ratings Center<\/a>).&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">American Family vs. Geico<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.reviews.com\" class=\"achor-toggles\">Geico<\/a>\u2019s core underwriting entities carry AM Best ratings in the Superior tier at the group level, reflecting very strong financial strength. For complaint levels, consult the NAIC\u2019s Consumer Complaint Index by line of business and legal entity for the latest results (<a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a>; <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a>).&nbsp;<\/p>\n\n\n\n<p>Rates and optional coverages differ by state and partner carrier; Geico is known for competitive pricing in some markets but typically offers fewer homeowners customization options than insurers that underwrite policies directly. American Family\u2019s bundling and discount structure may benefit households placing multiple policies with one carrier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">American Family vs. Allstate<\/h3>\n\n\n\n<p>Allstate is one of the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">best home insurance companies<\/a> we reviewed, with broad coverage and add\u2011on options. Average premiums can be higher or lower than American Family\u2019s depending on your home and location, so current quotes are essential for a fair comparison.<\/p>\n\n\n\n<p>Allstate also offers a robust menu of optional coverages and a wide range of discounts, giving many homeowners several ways to customize a policy.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"American Family FAQ \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">American Family FAQ&nbsp;<\/h2>\n\n\n<div id=\"block_60d379196daf8\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Which is better: State Farm or American Family?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Either company might be the best one for your needs. A good strategy is to get quotes from both to see who gives you the better coverage options at a good price point, while also featuring excellent customer service.\u00a0<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60d379236daf9\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Does American Family have homeowners insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Yes, American Family offers comprehensive homeowners insurance that will cover your home and your belongings in the case of any named peril, such as fire, smoke damage, or hail. Its policies also feature liability coverage in the event that someone is injured on your property, and coverage for temporary living expenses.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60d3792f6dafa\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is American Family expensive?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Although American Family\u2019s average premium rates are lower than <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\">some other insurers<\/a> we reviewed, your own costs will vary, and may be considerably different. Your premium is based on multiple factors, including the age and location of your house, coverage needs, and more.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60d3793b6dafb\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Geico or American Family insurance better?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">That depends on <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/home-insurance-declaration-page\/\"><span style=\"font-weight: 400;\">what you are looking for<\/span><\/a><span style=\"font-weight: 400;\"> in your insurer. Geico is known for inexpensive policies, and it is available in all 50 states. It has a great rate from AM Best for financial stability, but lower scores for customer service. <\/span><span style=\"font-weight: 400;\">American Family home insurance<\/span><span style=\"font-weight: 400;\"> premiums are on the high end, and they are only available in 19 states. They have mixed reviews for customer service, but offer a good range of policy options and discounts.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"meth\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated American Family using third\u2011party indicators of customer experience and financial strength, along with coverage options and current pricing benchmarks. Sources include the NAIC Consumer Complaint Index, AM Best Financial Strength Ratings, and nationwide cost snapshots from reputable quoting datasets.<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul><li>Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.<\/li><li>Customer Experience: We reviewed the National Association of Insurance Commissioners\u2019 National Complaint Index and compared each homeowners insurance company\u2019s complaint rating (1.00 = expected level; lower is better). We also referenced the latest trend context on pricing and claims from industry trackers like <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a> and the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a>.<\/li><li>Customer Satisfaction: With J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2020-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"><em>Home Insurance Satisfaction Study<\/em><\/a>, we assigned a score to each company based on the rating it received, and we considered broader P&amp;C satisfaction trends from the <a href=\"https:\/\/www.theacsi.org\">ACSI Finance &#038; Insurance Study<\/a>.<\/li><li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company\u2019s financial stability (see <a href=\"https:\/\/www.ambest.com\">AM Best\u2019s rating guide<\/a>).<\/li><li>Discounts: We reviewed and compared the number of discounts advertised on each home insurance company\u2019s website. The more available discounts, the higher the score in this metric.<\/li><\/ul>\n\n\n\n<p>Rates and comparisons reference nationwide quoting datasets from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/cheap-homeowners-insurance\">NerdWallet<\/a>. These are sample rates and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $250,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Homeowners insurance costs have climbed since 2021; the latest NAIC data show national average expenditures increased again in 2022, with broad double\u2011digit rate hikes across many states through 2023\u20132024 (III\/NAIC; Policygenius). Customer satisfaction across property &amp; casualty insurance has been pressured by premium increases, while strong digital experiences and clear communication can mitigate [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362549,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1268],"tags":[],"post_author":[14193],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>American Family Home Insurance | Reviews.com<\/title>\n<meta name=\"description\" content=\"American Family homeowners insurance offers a nice variety of discounts but falls a little short when it comes to customer service scores.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"American Family Home Insurance | Reviews.com\" \/>\n<meta property=\"og:description\" content=\"American Family homeowners insurance offers a nice variety of discounts but falls a little short when it comes to customer service scores.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2021\/06\/american-fam-968891264.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1440\" \/>\n\t<meta property=\"og:image:height\" content=\"961\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\/\/www.reviews.com\/insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Homeowners\",\"item\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"American Family Homeowners Insurance Review\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"American Family Home Insurance | Reviews.com","description":"American Family homeowners insurance offers a nice variety of discounts but falls a little short when it comes to customer service scores.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/","og_locale":"en_US","og_type":"article","og_title":"American Family Home Insurance | Reviews.com","og_description":"American Family homeowners insurance offers a nice variety of discounts but falls a little short when it comes to customer service scores.","og_url":"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/","og_site_name":"Reviews.com","article_publisher":"https:\/\/www.facebook.com\/Reviewscom\/","og_image":[{"width":1440,"height":961,"url":"https:\/\/www.reviews.com\/wp-content\/uploads\/2021\/06\/american-fam-968891264.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@Reviews","twitter_misc":{"Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.reviews.com\/"},{"@type":"ListItem","position":2,"name":"Insurance","item":"https:\/\/www.reviews.com\/insurance\/"},{"@type":"ListItem","position":3,"name":"Homeowners","item":"https:\/\/www.reviews.com\/insurance\/homeowners\/"},{"@type":"ListItem","position":4,"name":"American Family Homeowners Insurance Review"}]},{"@type":"WebSite","@id":"https:\/\/www.reviews.com\/#website","url":"https:\/\/www.reviews.com\/","name":"Reviews.com","description":"Your Guide to the Best Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.reviews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/323640"}],"collection":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/users\/345"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/comments?post=323640"}],"version-history":[{"count":0,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/323640\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/1691"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media\/362549"}],"wp:attachment":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media?parent=323640"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/categories?post=323640"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/tags?post=323640"},{"taxonomy":"post_author","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/post_author?post=323640"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}