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  3. American Family Homeowners Insurance Review

American Family Homeowners Insurance Review

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American Family Insurance, also known as AmFam, is a private mutual insurance agency that offers property insurance, including home insurance and business insurance, as well as auto, life, and health insurance.

AmFam's home insurance provides customized coverage for homeowners, including property, liability, and home business protection.

AmFam was founded in 1927 and is based in Wisconsin.
 
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How is American Family Homeowners Insurance rated?

Breakdown

4.0/5
Coverage Options
4.8/5
Pricing and Discounts
4.8/5
Customer Service
5.0/5
Financial Strength
4.5/5
Add-On Coverages

Overall Rating: 4.7 / 5 (Excellent)

American Family (AmFam) Homeowners Insurance provides competitive coverage and protection services across a broad range of home necessities.

The company offers numerous discounts and has multiple online resources that help consumers in their insurance shopping process.

Consumers can use AmFam's mobile app, MyAmFam, to access and manage their accounts while on-the-go.

Customer service is available via app, live chat, phone, and email.

The insurance company is in great financial standing and currently holds an A+ rating from the Better Business Bureau.

AmFam Home Insurance overall is an admirable choice for consumers seeking insurance on a user-friendly digital platform.

Financial Strength

Financial Strength - 5 / 5

AmFam Insurance currently has excellent financial strength ratings.

The company has an A financial rating from A.M. Best, as well as over $24 million in assets.

AmFam Insurance is transparent about is financial status, sharing its annual financial report on its website.
Marketshare
1.31%
Premiums Written
$8
AM Best Financial Rating
A

Customer Experience

Customer Service - 4.8 / 5

AmFam has an A+ excellent rating from the Better Business Bureau.

The insurance company has a significant amount of complaints listed on the BBB, with about a quarter of them resolved.

Majority of the complaints and negative reviews are regarding customers not receiving the necessary coverage from the claim.

Most complaints related to home insurance were resolved.

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.36
NAIC Total Complaints
3
*The NAIC complaint ratio (in this case 0.36) is a ratio of the number of complaints a company received to the total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
2
Number of BBB Neutral Reviews
1
Number of BBB Negative Reviews
51
Date Collected
2043-10-30

American Family Homeowners Insurance Coverage

Coverage Options - 4 / 5

AmFam Home Insurance covers all essentials within the average family home, including protection from property damage, personal property damage, and liability in case of an injury.

Plans also go beyond average coverage, adding protection to any home-based businesses as well as identity theft protection.
Basic Coverage Types
Personal Property Protection
Liability Protection
Additional Coverage
Water Backup Coverage

Pricing & Discounts

Pricing and Discounts - 4.8 / 5

AmFam Home Insurance quotes are revealed after the consumer is redirected to the portal and inputs personal and contact information into the quoting tool.

AmFam Home Insurance has multiple discount options within its policy, as well as extra discounts, including family generational discounts.

See top providers in our review of the Top 10 Best Homeowners Insurance Companies of 2018.

Household Discounts

  • New Home
  • Remodeled Home
  • Home Safety Features

Policy Discounts

  • Multi-Policy
  • Customer Loyalty
  • Automatic Payment

Contact & Additional Information

Homepage URL
https://www.amfam.com/
Company Phone
(800) 692-6326
Headquarters Address
6000 American Parkway, Madison, WI, 53783
Year Founded
1927

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Customer Comments & Reviews

Loading Reviews ...
wiganosky
7/3/2024
Reps can give no reason why declined new account to coverage on my home. I am insured, good credit, good area, home is average size, value not too high, I am educated to the highest level they asked about, asked for my Age, if I am Single, if I am Female. I am waiting for a report showing what fa tor leads them to decline my application. Weather here is not extreme and I live in the city far from risk of fires. I'd like a written denial of service email. I'm sure the denial of service email would not explain that since I checked female, over a certain age, single, that they are denying me service. At least that would be a straightforward way to explain it BBB is my next... Read More

edtilton72
8/24/2022
Still owes us $3,000 from my last claim they never paid completely. Agent is terrible. We had Amfam for over 25 years. Rate went up. Looking elsewhere for honest Agent that will be there in a time of a emergency.

F
Foster
2/1/2021
I wouldn’t have AFM insure my dog house let alone anything else The only dream you’ll get form them is a nightmare

J
Joseph
11/11/2019
I submitted a claim for my roof after the hail storm and they denied it but almost every house on my street had their roof replaced or in the process. All houses surrounding my house had their roof replaced but not mine and after the claim, the insurance company send me a letter saying my roof isn’t covered anymore because of damage and too old!!!!! This is unbelievable mistreatments....

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Wide Selection Of Home Insurance Discounts - Online Quotes In Minutes!

  • Covers common occurrences like fire or theft and accidents
  • Protect your valuable items (electronics and jewelry) 
  • A wide range of excellent coverage options
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