极速体育直播page极速体育直播极速体育直播ownersAmerican Family 极速体育直播owners 极速体育直播 Review
Last updated on Oct 28, 2020

American Family 极速体育直播owners 极速体育直播 Review

Comprehensive insurance for every type of homeowner, with flexible policy options and discounts 鈥
Fact-checked with 极速体育直播极速体育直播.com 鈥
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Personalized coverage
Digital tools and resources
Plenty of discounts available

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In business since the 1920s, American Family is a long-standing, trusted name in insurance. American Family offers a range of different insurance products, with its homeowners insurance being a popular choice. 

American Family鈥檚 home insurance products start with a base policy but you can add on additional coverage for further protection. Add-ons include things like flood insurance, equipment breakdown, water backup coverage, and even credit theft protection. 

This American Family homeowners insurance review will cover everything you need to know about American Family and its policies.聽

American Family 极速体育直播 极速体育直播 Overview

  • In business since: 1927
  • JD Power Score: 821/1,000
  • AM Best Financial Strength Rating: A
  • States Served: 19

American Family has a long history of helping people keep their homes protected and is the according to YouGov. Despite its experience, American Family has some poor customer reviews according to Better Business Bureau and YouGov.聽

ProsCons
Personalized coverage – Through a wide array of add-on coverages, you can customize your policy to fit your individual needs.聽
Digital tools and resources – American Family offers digital tools such as a home insurance checklist and a home insurance calculator to help you make sense of the process.
Plenty of discounts available – The insurer offers a range of discounts to help you save on the costs of homeowners insurance.
Underwhelming customer service – American Family is a trusted name but its customer service reviews show some dissatisfaction.
Limited availability – Coverage is not available nationwide.

American Family Highlights

Pricing

To determine your rate, American Family will look at the details of your home, including where it鈥檚 located, the size, how many people live there, its value, building materials and the condition of the property. There are also a few personal factors that will influence your rates, such as your age, marital status, income, credit score and more. Because homeowners insurance rates are highly personalized, it鈥檚 important to pull a few quotes for yourself in order to determine what it will cost you.

Coverage

Like most insurance providers, American Family includes a specific list of coverages in every policy.

Those coverages include:

Customers who want even more protection can add to their policy for an additional fee:

  • Equipment breakdown
  • Water backup
  • Identity theft
  • Siding protection coverage

If you鈥檙e not sure how much insurance coverage to purchase, start by creating a home inventory. Make a list of every item in your home, from clothing to appliances, and note their original value. The total value of your items should be factored into the amount of insurance coverage you purchase. You should also keep in mind the estimated replacement cost of your home, determined by an insurance underwriter.

Customer Experience

Overall, American Family home insurance reviews are average regarding its customer service. According to J.D. Power鈥檚 2020 U.S. 极速体育直播 极速体育直播 Study, American Family earns 821 out of 1,000 points for overall satisfaction 鈥 hovering just below the industry average. 

In terms of the digital experience, American Family is an industry leader. The company offers a variety of resources and helpful tools that homeowners can use when shopping for insurance. Some of the notable digital tools include a home inventory worksheet, a policy comparison tool, an insurance calculator, a smart home technology guide, a first-time home buyers guide and a checklist with common insurance questions.

Deals, discounts and add-ons

American Family is known for advertising a long list of discounts that customers can take advantage of to save money on their premiums. 

极速体育直播owners can lower their premium by:

  • Bundling policies
  • Installing smart home devices
  • Renovating the home
  • Signing up for autopay or paperless billing
  • Paying their policy in full
  • Staying with the company for several years
  • Having a parent who is also an American Family customer

Methodology

We evaluated the company based on its customer rating and experience, financial stability, and coverage. To compare American Family with home insurance companies across the board, we calculate each Reviews.com score based on the following:

  • Customer Ratings 鈥 Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power 极速体育直播owners Satisfaction ratings.
  • Coverage 鈥 As there isn鈥檛 one company to fit everyone鈥檚 needs, we evaluated companies by the amount of coverage options and add-ons available.聽
  • Confidence 鈥 It is extremely important for insurance companies to fulfill customers鈥 claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best鈥檚 ratings, which specializes in assessing the financial strength of insurance companies.
  • Customer Experience 鈥 The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

The Competition 

CompanyReviews.com Score (Editor will add this information)AM Best Financial Strength RatingJ.D. Power 2020 Score(On a聽 1,000-point scale)NAIC Customer Complaints
American Family 极速体育直播 极速体育直播 3.75A821More complaints than average
State Farm3.75聽A++829Fewer complaints than average
Allstate 4A+829Fewer complaints than average
Farmers3聽A814More complaints than average
Geico 2.75A++N/AMore complaints than average

American Family vs. State Farm 

American Family and State Farm have similar ratings in terms of J.D. Power’s overall customer satisfaction. However, according to the NAIC Customer Complaints, State Farm is faring slightly better with fewer complaints than the current average.

In terms of policy offerings, both companies have similar offerings with optional add-ons such as flood insurance. State Farm serves 50 states in the U.S. which means it鈥檚 a lot easier to find a policy with State Farm than with American Family. 

Another way the two companies differ is with the discounts available. American Family offers a wide range of discounts for different types of customers, whereas State Farm has fewer options to help you lower the cost 

American Family vs. Allstate

Both American Family and Allstate offer a range of insurance policies that can be customized and managed through an app. In terms of underwriting, both companies aim to underwrite all of their own home insurance policies rather than relying on third-parties. However, American Family does rely on third-parties for its auto insurance. 

Allstate scores slightly higher than American Family in terms of AM Best Financial Strength rating and J.D. Power. Allstate also has fewer complaints than the average while American Family is experiencing higher than average complaint rates. Allstate operates across 50 states, making it more widely accessible than American Family.

The Bottom Line 

American Family provides reliable homeowners insurance with options to purchase extra coverage to fully customize your policy. American Family is a particularly great option for new homeowners because of its resources for first-time homeowners insurance buyers.

Is American Family home insurance good? Although American Family doesn鈥檛 have the highest ratings in terms of customer service, it鈥檚 promising that the company has very few negative reviews online. If you live in a state where American Family is available, consider including it as you begin to gather quotes.

American Family 极速体育直播 极速体育直播 FAQs

What other property insurance does American Family offer?

In addition to traditional homeowners insurance, American Family can insure your farm or ranch, manufactured home, vacation home, temporary rental home, vacant home, home daycare center, or nursing home.

How much home insurance do I need? 

To determine how much home insurance you need, you鈥檒l need to figure out the estimated replacement cost of your home. To do that, you can use an online calculator or have an insurance agent visit your home to complete an assessment. You can find more information in our guide for buying home insurance

Where is American Family home insurance coverage available?聽

How does American Family underwrite their home insurance policies?

All of American Family鈥檚 homeowners insurance policies are underwritten by the company. However, the insurer works with a partner network to underwrite its auto and life insurance policies in some states.

What does American Family home insurance typically cover? 

American Family鈥檚 basic home insurance policies do not cover foundation troubles. However, customers can pay extra for equipment damage, siding protection, water backup and sump pump coverage, which pays to repair damaged or leaky pipes. The average cost of sump pump coverage is roughly $50 to $250 per year on top of your normal homeowners insurance premium.

About the Authors

Elizabeth Rivelli

Elizabeth Rivelli Contributing Writer

Elizabeth Rivelli is a Rhode Island-based copywriter and content marketing consultant. She has expertise writing about home, auto and business insurance, and has been published in widely-read publications, including the Simple Dollar, Bankrate and Decision Data. Elizabeth holds a BA in Communications from Northeastern University in Boston.

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