American Family Home Insurance provides homeowners with coverage designed to help protect their homes, personal belongings and financial interests against covered losses. The company offers standard homeowners insurance along with additional coverage options that allow customers to customize a policy based on their property and individual needs. Coverage limits, deductibles, exclusions and available endorsements can vary by state and policy.
A standard homeowners policy can provide protection for the home itself, personal property and personal liability, while additional living expense coverage may help with eligible costs if a covered loss makes the home temporarily uninhabitable. Customers can also discuss optional coverage and endorsements with an American Family agent to address specific property risks or valuable possessions.
One of American Family's notable advantages is its range of potential discounts. Eligible homeowners may qualify for savings by bundling home and auto insurance, installing qualifying smart-home or security devices, maintaining a newer home, renovating major home systems, paying in full, using AutoPay or paperless billing, or maintaining loyalty with the company. American Family says eligible customers may save up to 40% when bundling home and auto policies, although discounts vary by state, property, policy and underwriting company.
American Family also offers customers the ability to obtain a homeowners quote online or work directly with a local insurance agent. The company says its quoting process can provide pricing and coverage options that customers can customize based on their needs.
Pricing is one area where customers should carefully compare policies. Forbes Advisor's current comparison estimates American Family's average cost at $2,835 per year for $350,000 in dwelling coverage, compared with a national average of $2,720 for the same coverage level. This figure is an industry benchmark and should not be presented as a guaranteed American Family quote.
