Reviews Report
- The average American Family home insurance premium is $2,144 in the U.S.
- American Families insurance scores above average for customer satisfaction with J.D. Power
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. American Family home insurance has competitive pricing along with discounts that can save customers money on their policies over time.
If you are looking for homeowners insurance, American Family Home Insurance Company is one that may be worth asking for a premium quote.
This American Family homeowners insurance review will cover everything you need to know about American Family and its policies.
American Family Overview
American Family is the 34th most popular insurance brand on YouGov.com. It is most popular with Gen-X policyholders, for whom it is in 27th place, and it’s more popular with men than with women. Few people — only 7% — have a negative opinion of the company. American Family insurance reviews are generally positive. The company scores above average on J.D. Power’s 2021 Property Claims Satisfaction Study, with a score of 890 out of 1,000. Another indicator of quality, however, the company complaint index of the National Association of Insurance Commissioners (NAIC), rates AmFam as having more than the average number of complaints.
All that puts American Family home insurance in the middle of a very crowded pack. But despite the fact that there are bigger and more well-known insurers, American Family home insurance company may be worth looking at if you are in the market for homeowners insurance.
PROS
CONS
American Family Highlights
American Family vs. The Competition
| Provider | Average Annual Premium* | J.D. Power Customer Satisfaction** | AM Best |
| American Family | $1,295 | 821 | A |
| State Farm | $1,503 | 829 | A++ |
| Geico | N/A | N/A | A++ |
| Allstate | $1,458 | 829 | A+ |
Information accurate as of June 2021
*Data provided by Bankrate.com
**J.D. Power 2020 Home Insurance Satisfaction Study. Based on a 1,000-point scale.
American Family vs. State Farm
State Farm’s average premium is a bit higher than American Family’s home insurance rates, and it only has three possible discounts to AmFam’s seven.
Where State Farm excels, however, is in the area of financial stability, with an A++ from AM Best — the highest possible score. This indicates that State Farm is financially well-managed and would be able to pay out on claims even after a large regional disaster that resulted in a flood of claims being filed.
American Family vs. Geico
Geico, like State Farm, has a higher AM Best scoring than AmFam. While Geico is not on J.D. Power’s 2021 property claims ranking, it does have an NAIC score of 1.70, indicating that it is responsible for more complaints than AmFam.
Geico is known for low rates, but it offers few discounts for policyholders, unlike American Family insurance company. It also offers a limited list of ways you can customize your policies with additional, optional coverages, falling short of AmFam in this category as well.
American Family vs. Allstate
Allstate is one of the best home insurance companies we reviewed, although its average premium is higher than American Family’s, and its J.D. Power score is only slightly more.
Allstate edges out AmFam with discounts, too, having eight available as opposed to AmFam’s seven. It also excels with its optional coverage offerings, with nine ways customers can
American Family FAQ
Methodology
We evaluated American Family based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers.
To compare home insurance companies across the board, we considered the following factors:
- Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.
- Customer Experience: We reviewed the National Association of Insurance Commissioners’ National Complaint Index and compared each homeowners insurance company’s complaint rating.
- Customer Satisfaction: With J.D. Power’s 2020 Home Insurance Satisfaction Study, we assigned a score to each company based on the rating it received.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.
- Discounts: We reviewed and compared the number of discounts advertised on each home insurance company’s website. The more available discounts, the higher the score in this metric.
Rates are based on quoted annual premiums from Bankrate.com. These are sample rates and should be used for comparative purposes only. Your quotes may be different.
The coverage limits for home insurance rates reflect the following coverage and limits:
- Coverage A, Dwelling: $250,000
- Coverage B, Other Structures: $25,000
- Coverage C, Personal Property: $125,000
- Coverage D, Loss of Use: $50,000
- Coverage E, Liability: $300,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
About the Authors
Mary Van Keuren has been covering auto and home insurance for Reviews.com for nearly five years, and has published numerous reviews of state-specific insurance trends and how to find the best insurance deals for your money. She earned B.S. and M.A. degrees from Nazareth College in Rochester, N.Y. and has been writing professionally, both in print and online, for 30+ years.
