Is American Family committed to sustainability?

American Family’s DreamBank Community strives to motivate individuals to pursue their business and personal dreams. The program hosts three experiences: Dream Camp, Dream Summit and Dream Academy to support this initiative. It also has a physical location in Madison, Wisconsin, called DreamBank Madison. It serves as a co-working and community center to give participants a place to work, network and listen to inspirational speakers.

How do you file a claim with American Family?

Filing a claim with American Family Insurance is simple, and can be done 24/7. You have several ways to do it: At the website, either by logging in as a policyholder or as a guest. By calling the company at 1-800-MYAMFAM (1-800-692-6326)/ Through the company's mobile apps for Android and Apple devices.

Is American Family Insurance financially stable?

American Family Insurance has an "A" rating from AM Best, which monitors the credit ratings of American insurance companies. This is the third highest rating possible and indicates a company that is well-managed financially and more than capable of paying out on claims when necessary.

American Family home insurance review 2025

Written by

Shannon Martin

Edited by

Mariah Posey

Edited by

Mariah Posey

Updated Apr 09, 2025

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

4.0

Bankrate Score

Score breakdown

Home

4.0

Cost & ratings

3.8

Coverage

4.3

Support

4.0

Often called AmFam, this Wisconsin-based insurer has been writing policies since 1927. For this American Family insurance review, our insurance editorial team looked at average rates, discounts, digital abilities and more to find out if it could be a good choice for your coverage.

Who American Family may be good for: American Family may be a good option for policyholders who want a well-established provider known for a wide array of coverage options and affordable pricing.

Who American Family may not be good for: American Family only offers auto policies in 19 states, so they are not a good fit for drivers outside its coverage area.

Answer a few questions to see personalized rates from top carriers

American Family home insurance

Although the company did not make Bankrate’s list of best homeowners insurance companies, AmFam’s diverse range of policy add-ons and competitive pricing positively influenced its overall Bankrate Score of 4.0 out of 5.0. However, AmFam did not score as favorably in areas such as state availability.

AmFam home insurance may be a good option for homeowners looking for unique opportunities to extend their financial protection beyond the standard homeowners insurance coverage. Beyond coverage for dwelling, other structures, personal property and liability, homeowners insured with AmFam may add hidden water damage protection to cover water damage caused by leaks within a home’s plumbing system or household appliances or opt for equipment breakdown coverage. AmFam’s matching siding protection will also cover the replacement of damaged siding after a covered loss.

Pros and cons of American Family homeowners insurance

American Family could be a solid choice for homeowners, but it’s always smart to weigh your options. Checking out reviews from current or past policyholders can offer helpful insight into what it’s like to work with the company. To help you decide, here are some key pros and cons of American Family home insurance:

Pros

24/7 claims and policy support available
Accessible local agencies
Consistent below-average NAIC complaint index, indicating strong customer satisfaction

Cons

Financial strength rating is good, but not as high as some competitors
Limited state availability
Not all coverage options may be available in every state

American Family home insurance cost

On average, an American Family home insurance policy with $300,000 in dwelling coverage costs $2,062 per year. This is considerably lower than the national average cost of home insurance at $2,267 per year. However, if you’re looking for cheap home insurance, remember that the final premium for your homeowners insurance policy will vary based on various factors unique to you and your home. Requesting home insurance quotes from more than one carrier will help you find the best price for your desired coverage amounts.


$150K dwelling	American Family average premium $1,361	National average premium $1,370
$300K dwelling	American Family average premium $2,062	National average premium $2,267
$350K dwelling	American Family average premium $2,267	National average premium $2,534
$450K dwelling	American Family average premium $2,737	National average premium $3,066
$750K dwelling	American Family average premium $3,690	National average premium $4,399

American Family home insurance discounts

To help save money on home insurance, AmFam provides policyholders with several discount opportunities. Some of AmFam’s available home insurance discounts include:

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Compare American Family with other insurers

It may help to compare American Family to similar insurers before deciding if it’s the right fit for your insurance needs. With that in mind, you may find these insurers also worth considering:

Featured American Family Rating: 4 stars out of 5 4.0 Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings Cost & ratings Rating: 3.8 stars out of 5 3.8 Coverage Rating: 4.3 stars out of 5 4.3 Support Rating: 4 stars out of 5 4.0 Read Review	Liberty Mutual Rating: 3.8 stars out of 5 3.8 Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings Cost & ratings Rating: 3 stars out of 5 3.0 Coverage Rating: 5 stars out of 5 5.0 Support Rating: 3.8 stars out of 5 3.8 Read Review	The Hartford Rating: 3.9 stars out of 5 3.9 Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings Cost & ratings Rating: 3.4 stars out of 5 3.4 Coverage Rating: 4.3 stars out of 5 4.3 Support Rating: 4.3 stars out of 5 4.3 Read Review
OVERVIEW Bankrate identified key carrier features, coverage offerings, discounts and more
Commonly known as AmFam, this Wisconsin-based insurer has been around since 1927. American Family may be a good option for policyholders who want a well-established provider known for a wide array of coverage options and affordable pricing. Read More	Liberty Mutual is another insurer with a long list of coverage endorsements for auto insurance that you may find worth exploring. The company also offers numerous other insurance products, such as motorcycle and life insurance. Read More	The Hartford provides similar types of insurance policies when compared to American Family. However, AARP members receive discounts and unique financial services by purchasing their insurance through The Hartford. Read More
STANDOUT FEATURES These features are some of the carrier’s most impressive
Discounts for bundling High customer satisfaction Low rates for those with accidents	Strong digital tools Above-average satisfaction scores Numerous discounts available	High overall customer satisfaction Coverage add-ons available For AARP members
AVG HOME RATE Average national annual cost of a home insurance policy with $300K in dwelling coverage
$2,062	No rates available	$2,037
J.D. POWER HOME SCORE J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
680/1000	707/1000	725/1000
AM BEST RATING AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
A(Excellent)	A(Excellent)	A+(Superior)

Is American Family a good homeowners insurance company?

Bankrate’s insurance editorial team reviewed average home insurance premiums from hundreds of carriers. Our research shows that American Family’s rates are relatively low compared to the national average. This could be ideal for homeowners looking for affordable insurance policies.

AmFam has additional insurance policy types, as well, which can help policyholders with more complex needs who want to keep their insurance products under the same company. Furthermore, the company offers many discount opportunities that could help you save on insurance — as long as the company is available in your state.

It's worth noting that AmFam has high marks for its digital experience — something that is increasingly important to policyholders. The company earned a second-place score for service in J.D. Power's 2024 Insurance Digital Experience Study, while it placed fourth in the category of shopping. This indicates that the company has a robust online presence that makes it easy for individuals to purchase and manage their accounts digitally. These strengths earned American Family a 2025 Bankrate Award for the Best Digital Home Insurance Company.

In addition, AmFam has decent marks for its mobile apps, earning a rating of 4.7 in the App Store and 3.3 in Google Play. The AmFam app gives you easy access to all policy documents, and you can use it to obtain a quote and manage payments. You can also file and manage claims through the app and summon roadside assistance.

What are real-life customers saying about American Family?

To give you a clearer picture of the customer experience beyond ratings and data, we looked at discussions from Reddit and reviews posted on Trustpilot. These firsthand accounts reflect how policyholders feel about American Family’s service, pricing and responsiveness.

Reddit user 1*

Aug 22, 2024

Quality service at a cost

“I’ve been with AMFAM for more than 12 years. Our rates have jumped like crazy. My HO renewal is $500 more than last year. Amfam service [in my opinion] is second to none which is why I don’t want to leave… I asked for a quote and it’s about $300 cheaper. Was told there is a chance they’d drop me within 59 days since we had a couple claims... I literally called 3 times for them to get me the quote after they promised me twice they’d get it to me and didn’t until the 3rd time.”

via Reddit community

Trustpilot user 1*

Jun 16, 2024

Steep rate hikes

“I have had all my insurance (primary home, lake cabin, cars, boats, boat dock, boat house, golf cart) all insured with American Family for the past 9 years. I have had NO claims in that 9 years. This past April I received the quote for my primary home for 2024-2025. The rate went UP an astounding 49%. 49% with NO claims. I am very upset.”

via Trustpilot

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

American Family customer satisfaction

When shopping for insurance, it can be important to also consider the customer experience, especially when it comes to claims. In addition to reaching out to friends and family for their experience, also consider ratings from third-party agencies like J.D. Power, which conducts annual surveys of insurance companies and ranks them on a 1,000-point scale.

J.D. Power Property Claims Satisfaction Study

American Family scored slightly below average on J.D. Power's 2024 Home Insurance Study and above average on the 2024 J.D. Power Property Claims Satisfaction Study. This indicates that, in general, policyholders are satisfied with their claims experience and customer service interactions, though there may be room for improvement.

American Family customer complaints

The National Association of Insurance Commissioners (NAIC) tracks consumer complaints and assigns each insurance company a Complaint Index. A score of 1.00 represents the industry average — higher scores mean more complaints than expected for a company of its size, while lower scores indicate fewer.

American Family has maintained a below-average complaint index for the past three years, meaning it receives fewer complaints than similarly sized insurers. This consistent track record may reflect the company’s focus on customer satisfaction and handling claims effectively.

American Family tools and benefits

In addition to auto, home and life insurance, American Family also offers:

Renters insurance: Renters insurance can be a solid way to protect your personal belongings during a disaster. AmFam's renters insurance also covers personal liability and loss of use coverage, which will help pay for expenses if you can't live in your apartment if it is being repaired after an approved claim.
Umbrella insurance: This type of policy provides extra support if a claim is higher than your policy limits. It covers bodily injury liability, property damage liability and personal offense coverage.
Pet insurance: If pets are part of your family, pet insurance can ensure that their care is covered. AmFam's pet insurance covers accidents, illnesses, injuries, hospitalizations, surgeries and more.
Travel insurance: This insurance offers options like global medical insurance, trip cancellation coverage and Mexico boat or car insurance.
Farm and ranch insurance: AmFam offers several options here, including coverage for your home, farm buildings and livestock.
Business insurance: AmFam's policies are customized to suit the needs of businesses, both large and small, covering liability, property, inventory, employees and vehicles.

Frequently asked questions about American Family

American Family’s DreamBank Community strives to motivate individuals to pursue their business and personal dreams. The program hosts three experiences: Dream Camp, Dream Summit and Dream Academy to support this initiative. It also has a physical location in Madison, Wisconsin, called DreamBank Madison. It serves as a co-working and community center to give participants a place to work, network and listen to inspirational speakers.
Filing a claim with American Family Insurance is simple, and can be done 24/7. You have several ways to do it:
- At the website, either by logging in as a policyholder or as a guest.
- By calling the company at 1-800-MYAMFAM (1-800-692-6326)/
- Through the company's mobile apps for Android and Apple devices.
American Family Insurance has an "A" rating from AM Best, which monitors the credit ratings of American insurance companies. This is the third highest rating possible and indicates a company that is well-managed financially and more than capable of paying out on claims when necessary.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage levels:

40 year old

Married male and female homeowners

2017 build year

Primary home

Good credit score

Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Additional profiles:

Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, &75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000

Bankrate Scores

Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

Overall Score

Cost & ratings 50%
Coverage & savings 30%
Support 20%

Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.