- Our thoughts on American Family
- Where can you buy American Family homeowners insurance?
- What does American Family homeowners insurance cover?
- How much is American Family home insurance?
- American Family home insurance discounts
- What makes American Family home insurance rates go up?
- American Family vs. competitors: How does American Family stack up?
- What do people ask about American Family?
- Is American Family a good homeowners insurance company?
- Methodology
Our thoughts on American Family
American Family is a top carrier for claims handling satisfaction, and scored generally well in our survey, although higher-than-average rates hurt its ranking for 2026. Low rates aren’t always a positive, however.
“A lower rate might compromise service quality, both in general support and during claim settlements. A company’s history in claim handling and overall customer interactions should not be overlooked,” says Siwei Gao, professor of insurance studies at Eastern Kentucky University.
American Family home insurance reviews are generally positive, and the company scored well in most areas of the 2026 survey.
American Family has an extensive list of coverage endorsements, some of which are uncommon, like the inland flood endorsement. It rated well but wasn’t ranked on our Best Home Insurance Companies list for 2026, since it’s not considered a national carrier. It scored just a little below average with J.D. Power.
Home insurance policies from American Family are only available in 19 states.
Overall: American Family home insurance is a solid choice if you’re in their coverage area; rates are reasonable, and the company is top-ranked for claims service.
Where can you buy American Family homeowners insurance?
American Family offers homeowners insurance in 19 states and doesn’t currently offer home insurance in either California or Florida. See if it’s available in your area on the map below.
| State | Average annual premium |
|---|---|
| Arizona | $1,780 |
| Colorado | $3,484 |
| Georgia | - |
| Idaho | $1,398 |
| Illinois | $5,088 |
| Indiana | $2,275 |
| Iowa | $2,324 |
| Kansas | $3,751 |
| Minnesota | $2,447 |
| Missouri | $3,372 |
| Nebraska | $3,961 |
| Nevada | $1,505 |
| North Dakota | $2,435 |
| Ohio | $1,893 |
| Oregon | $1,330 |
| South Dakota | $3,465 |
| Utah | $1,260 |
| Washington | - |
| Wisconsin | $2,359 |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
What does American Family homeowners insurance cover?
American Family home insurance coverage provides everything included in a standard home policy. It covers:
- Your house (dwelling coverage)
- Any detached structures on your property (other structures)
- All of the contents of your house (personal property)
- Extra bills incurred when you can’t live at home due to a covered loss (loss of use/additional living expenses)
- Damages or injuries to others caused by you or occurring on your property (personal liability and medical payments)
American Family offers a lot of optional coverage options to provide extra coverage for your home, your belongings and you.
- Equipment breakdown for major systems and appliances in your home
- Inland flood for flash floods from inland sources
- Hidden water coverage for slow leaks you can’t see
- Home renovation coverage
- Matching siding coverage to replace all siding when a match can’t be found
- Roof damage coverage to provided extended roof coverage
- Service line coverage
- Sewer back, septic backup and sump overflow
- Home business coverage
- Short-term rental coverage
- Vacant home coverage
- Vacation home coverage
- Credit monitoring
- Identity protection
- Itemized personal property for high-value items
- Senior living coverage, which protects the property of a loved one in an assisted living facility
An American Family homeowners policy has the same exclusions as all standard home insurance policies, although some can be covered via one of the endorsements above.
- No coverage for floods and earthquakes (earthquake coverage can be endorsed).
- Coverage limits on certain types of personal property, like jewelry, fine art, musical instruments and sports equipment.
- No coverage for excluded perils like war and terrorism, nuclear hazards, animal and pest damage and water and sewer backup (unless endorsed).
How much is American Family home insurance?
American Family homeowners insurance rates aren’t the cheapest, landing a little above average. The average rate at the $300,000 dwelling coverage level is $2,759, but rates vary by coverage level. Get an American Family home insurance quote directly to find out how much it will cost for your home.
| Coverage level ($1,000 deductible) | Average annual rate |
|---|---|
| $200,000 dwelling, $100,000 Liability | $2,062 |
| $200,000 dwelling, $300,000 Liability | $2,076 |
| $300,000 dwelling, $100,000 Liability | $2,743 |
| $300,000 dwelling, $300,000 Liability | $2,759 |
| $400,000 dwelling, $100,000 Liability | $3,450 |
| $400,000 dwelling, $300,000 Liability | $3,473 |
| $600,000 dwelling, $100,000 Liability | $4,845 |
| $600,000 dwelling, $300,000 Liability | $4,867 |
| $1,000,000 dwelling, $100,000 Liability | $6,797 |
| $1,000,000 dwelling, $300,000 Liability | $6,825 |
American Family home insurance discounts
Like most home insurance companies, the new home discount is the biggest discount from American Family. However, there’s a long list of available discounts that can bring already affordable rates down even more.
| Discount type | Average rate before discount | Average rate after discount | % discount |
|---|---|---|---|
| Advance purchase | $2,092 | $1,898 | 9% |
| Automatic payments | $4,218 | $4,134 | 2% |
| Bundle | $3,928 | $3,525 | 12% |
| Burglar alarm | $2,131 | $2,034 | 7% |
| Fire alarm | $1,877 | $1,761 | 8% |
| Loyalty | $3,684 | $3,494 | 12% |
| New home | $3,112 | $1,193 | 62% |
| Paid in full | $4,707 | $4,482 | 5% |
| Smoke detector | $1,497 | $1,447 | 4% |
| Sprinklers | $2,860 | $2,669 | 13% |
| Water safety system | $4,620 | $4,553 | 2% |
What makes American Family home insurance rates go up?
Risk makes homeowners insurance rates go up, and American Family is no different. Below, we’ve listed how much of a surcharge you can expect for various risks with American Family.
| Reason | Average rate before | Average rate after | % increase |
|---|---|---|---|
| Claims | $3,109 | $4,165 | 49% |
| Distance from coast | $3,376 | $3,814 | 13% |
| Dog (certain breeds) | $4,656 | $4,671 | 0% |
| Home-based business | $3,198 | $3,515 | 10% |
| Marital status | $4,707 | $4,720 | 0% |
| Pool | $987 | $1,025 | 4% |
| Proximity to fire station | $4,504 | $4,588 | 3% |
| Trampoline | $987 | $1,025 | 4% |
| Wood-burning stove | $3,459 | $3,551 | 4% |
American Family vs. competitors: How does American Family stack up?
American Family scored fairly well across the board in our survey. Most scores were above 75%.
| Company | Average annual rate | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|---|
| American Family | $2,759 | 76% | 84% | 78% |
| Auto Club Enterprises (AAA SoCal) | $1,335 | 95% | 86% | 93% |
| Auto Club Group (AAA Midwest/South) | $1,888 | 86% | 92% | 80% |
| CSAA Insurance Group (AAA NorCal/NV/UT) | $1,496 | 81% | 88% | 69% |
| Erie | $2,783 | 93% | 92% | 93% |
| Auto-Owners | $2,840 | 82% | 84% | 80% |
What do people ask about American Family?
Shopping for home insurance brings up a lot of questions. Here are a few of the common ones about American Family.
Is American Family Insurance in Florida?
No, American Family doesn’t currently offer insurance in Florida.
Why is American Family insurance so expensive?
American Family home insurance may be expensive in some areas or for some homeowners, based on risk. If your rate with American Family seems high, contact the company to ask what factors are driving that cost.
What is an American Family Gold Star policy?
Gold Star is a name American Family used in the past for its homeowners insurance policy; however, currently, the Gold Star policy is not found on the company website.
Is American Family a good homeowners insurance company?
What makes a good homeowners company depends on what you want and need from your policy and carrier. There are a few basics, however. You need a company with good customer service, good coverage and great claims service. American Family scored at the top for claims service, but had middling scores in other areas. Here’s a look at how current customers felt about the company in our survey.
Do people trust American Family?
In our survey, 87% of American Family insurance customers said they trust American Family. Auto Club Enterprises (AAA) had the best score at 100%.
| Company | Percentage of customers who say they trust the company |
|---|---|
| American Family | 87% |
| Erie | 98% |
| State Farm | 90% |
Do people recommend American Family?
American Family didn’t score at the top for recommendations; 84% of customers polled said they’d recommend it.
| Company | Percentage of customers who would recommend the company to others |
|---|---|
| American Family | 84% |
| Progressive | 82% |
| Erie | 92% |
Do people plan to renew with American Family?
In our survey, 92% of American Family home insurance customers said they’d renew their policy. Customer loyalty may say more about a company than most other measures.
| Company | Percentage of customers who plan to renew |
|---|---|
| American Family | 92% |
| Progressive | 87% |
| Auto-Owners | 92% |
Is American Family good at paying claims?
Yes. American Family scored 680 out of 1,000 in J.D. Power’s 2025 claims survey, just below the average of 682. That’s one point above the industry average. In our survey, 84% of customers said they were satisfied with the claims experience, tied with Erie and Nationwide for the best score.
| Company | Survey satisfaction | J.D. Power score |
|---|---|---|
| American Family | 84% | 680 |
| Amica | 83% | 745 |
| Auto-Owners | 62% | 719 |
Methodology
Insurance.com surveyed more than 2,000 insurance customers in the fall of 2025. The survey was conducted by online market research company Dynata.
Respondents were asked to name their home insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Insurance shopping and buying process
- Billing process
- Discounts offered
- Fair rate increases over time
- Older home coverage
- Extra coverage included as standard
- Home and auto bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current home insurance company
- I would recommend my home insurance company to others
- I trust my home insurance company
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For home insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
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