American Family home insurance ratings and review 2026

American Family ranks at No. 6 among regional carriers and 11th when included among all ranked companies, regional and national. Rates are a little above average at $2,759 annually. AmFam was the top-ranked company for claims handling.

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Written by Leslie Kasperowicz
Leslie Kasperowicz
Leslie Kasperowicz

Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

 |  Reviewed by quality verifiedScott Nyerges
Scott Nyerges
Scott Nyerges

Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.

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Our take: American Family home insurance

American Family is the No. 6 regional company in our 2026 Best Home Insurance Companies ranking. The addition of more regional carriers to this year’s ranking dropped it a few places, but AmFam still had better overall scores than some national carriers.

  • Our survey found that American Family had the highest level of satisfaction for claims handling of all the companies we ranked. It’s difficult to overstate the importance of claims satisfaction.
  • Rates are a little above average, but that’s on par with several competitors, both national and regional. Because the company offers fewer discounts, it might be harder to get rates down, but customers were pleased with bundling, so that discount likely helps.
  • AmFam is a really big company considering it covers only 19 states; the sixth-largest by market share, offering a good balance of smaller focus with big company financial strength.

Below is our review of American Family. It’s based on the results of our survey, average rates and third-party metrics, including the NAIC customer complaint index and AM Best financial ratings. Find the full methodology here.

6
American Family
3.96 Insure.com Score
Average Premium
$2,759
Customer Survey
NAIC
AM Best Rating
A
Effective date:
Pros and cons
Pros:
  • Top-rated for claims: The best score for claims handling of all ranked companies, regional and national
  • Rated well for bundling: Customers were highly satisfied with the auto/home bundling options offered
  • Big carrier, small focus: American Family operates in less than half of the states, but is sixth for market share
Cons:
  • Not available in all states: American Family only offers home insurance in 19 states
  • Higher-than-average rates: Average rates are higher than the national average and higher than some regional carriers
  • Limited policy options: Doesn’t write high-value home or landlord policies

Who should buy American Family home insurance?

American Family is a good choice for you if:

  • You prefer a regional carrier but want the backing of a large company
  • A high rating for claims handling is a top concern for you
  • You’re looking to bundle auto and home

It might not be the best choice if:

  • You’re looking for the best rates above all else
  • You’re seeking a higher level of home insurance coverage, such as an HO-5 (comprehensive form that offers extended coverage) policy

American Family home insurance cost: Coverage and competitor comparison

American Family’s average rates, at $2,759 a year, are a few hundred dollars above the national average of $2,543.

  • American Family home insurance rates are about on par with other super-regional carriers like Erie ($2,783) and Auto-Owners ($2,840)
  • All three AAA companies, which serve different regions of the U.S., have lower rates than AmFam, with the most expensive being the Midwest/South-serving Auto Club Group at $1,888 a year.
  • AmFam is about on par with the cost of insurance at some national carriers like Nationwide ($2,983) and Farmers ($2,820)

Compare American Family’s rates with those of its competitors at various coverage levels below to see how its rates might compare for your home.

CompanyCoverage levelAverage annual premium
Allstate$200,000 with a $1,000 deductible and $300,000 liability$1,717
Allstate$300,000 with a $1,000 deductible and $300,000 liability$2,049
Allstate$400,000 with a $1,000 deductible and $300,000 liability$2,384
Allstate$600,000 with a $1,000 deductible and $300,000 liability$3,110
Allstate$1,000,000 with a $2,500 deductible and $300,000 liability$4,356
American Family$200,000 with a $1,000 deductible and $300,000 liability$2,076
American Family$300,000 with a $1,000 deductible and $300,000 liability$2,759
American Family$400,000 with a $1,000 deductible and $300,000 liability$3,473
American Family$600,000 with a $1,000 deductible and $300,000 liability$4,867
American Family$1,000,000 with a $2,500 deductible and $300,000 liability$6,825
Amica$200,000 with a $1,000 deductible and $300,000 liability$1,123
Amica$300,000 with a $1,000 deductible and $300,000 liability$1,510
Amica$400,000 with a $1,000 deductible and $300,000 liability$1,803
Amica$600,000 with a $1,000 deductible and $300,000 liability$2,401
Amica$1,000,000 with a $2,500 deductible and $300,000 liability$3,296
Auto Club Enterprises (AAA)$200,000 with a $1,000 deductible and $300,000 liability$906
Auto Club Enterprises (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,335
Auto Club Enterprises (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,765
Auto Club Enterprises (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,687
Auto Club Enterprises (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$4,253
Auto Club Group – ACG (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,503
Auto Club Group – ACG (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,888
Auto Club Group – ACG (AAA)$400,000 with a $1,000 deductible and $300,000 liability$2,519
Auto Club Group – ACG (AAA)$600,000 with a $1,000 deductible and $300,000 liability$3,785
Auto Club Group – ACG (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$5,513
Auto-Owners$200,000 with a $1,000 deductible and $300,000 liability$2,249
Auto-Owners$300,000 with a $1,000 deductible and $300,000 liability$2,840
Auto-Owners$400,000 with a $1,000 deductible and $300,000 liability$3,466
Auto-Owners$600,000 with a $1,000 deductible and $300,000 liability$4,642
Auto-Owners$1,000,000 with a $2,500 deductible and $300,000 liability$6,819
CSAA Insurance (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,068
CSAA Insurance (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,496
CSAA Insurance (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,891
CSAA Insurance (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,618
CSAA Insurance (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$3,332
Erie Insurance$200,000 with a $1,000 deductible and $300,000 liability$1,888
Erie Insurance$300,000 with a $1,000 deductible and $300,000 liability$2,783
Erie Insurance$400,000 with a $1,000 deductible and $300,000 liability$3,526
Erie Insurance$600,000 with a $1,000 deductible and $300,000 liability$4,927
Erie Insurance$1,000,000 with a $2,500 deductible and $300,000 liability$6,743
Farmers$200,000 with a $1,000 deductible and $300,000 liability$2,032
Farmers$300,000 with a $1,000 deductible and $300,000 liability$2,820
Farmers$400,000 with a $1,000 deductible and $300,000 liability$3,667
Farmers$600,000 with a $1,000 deductible and $300,000 liability$5,377
Farmers$1,000,000 with a $2,500 deductible and $300,000 liability$8,048
Nationwide$200,000 with a $1,000 deductible and $300,000 liability$2,219
Nationwide$300,000 with a $1,000 deductible and $300,000 liability$2,983
Nationwide$400,000 with a $1,000 deductible and $300,000 liability$3,752
Nationwide$600,000 with a $1,000 deductible and $300,000 liability$5,342
Nationwide$1,000,000 with a $2,500 deductible and $300,000 liability$7,761
Progressive$200,000 with a $1,000 deductible and $300,000 liability$3,421
Progressive$300,000 with a $1,000 deductible and $300,000 liability$4,227
Progressive$400,000 with a $1,000 deductible and $300,000 liability$4,951
Progressive$600,000 with a $1,000 deductible and $300,000 liability$6,624
Progressive$1,000,000 with a $2,500 deductible and $300,000 liability$8,699
State Farm$200,000 with a $1,000 deductible and $300,000 liability$1,915
State Farm$300,000 with a $1,000 deductible and $300,000 liability$2,448
State Farm$400,000 with a $1,000 deductible and $300,000 liability$2,926
State Farm$600,000 with a $1,000 deductible and $300,000 liability$3,913
State Farm$1,000,000 with a $2,500 deductible and $300,000 liability$5,297
Travelers$200,000 with a $1,000 deductible and $300,000 liability$1,771
Travelers$300,000 with a $1,000 deductible and $300,000 liability$2,235
Travelers$400,000 with a $1,000 deductible and $300,000 liability$2,708
Travelers$600,000 with a $1,000 deductible and $300,000 liability$3,754
Travelers$1,000,000 with a $2,500 deductible and $300,000 liability$5,658
USAA*$200,000 with a $1,000 deductible and $300,000 liability$1,798
USAA*$300,000 with a $1,000 deductible and $300,000 liability$2,401
USAA*$400,000 with a $1,000 deductible and $300,000 liability$2,939
USAA*$600,000 with a $1,000 deductible and $300,000 liability$3,957
USAA*$1,000,000 with a $2,500 deductible and $300,000 liability$5,433
*USAA is only available to military community members and their families.
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How American Family scores for customer satisfaction, ease of service, policy offerings and claims

American Family scored slightly lower than other super-regional carriers for both customer satisfaction (76%) and policy offerings (78%), but was on par for ease of service (84%). Additionally, American Family tied with Erie and Nationwide as the best-rated company among all ranked carriers (national and regional) for claims handling, at 84%.

Since claims are where an insurance company is really put to the test, this win is a big one for AmFam.

CompanyCustomer satisfactionEase of servicePolicy offeringsClaims handling
American Family76%84%78%84%
Auto Club Group86%92%80%81%
Auto-Owners82%84%80%62%
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How American Family scores on customer recommendations, trust and renewals

American Family customers were mostly positive when we asked three important questions regarding their feelings and loyalty towards the company:

  • Would you recommend your insurer to others?
  • Do you trust your insurer?
  • Do you plan to renew with your insurer?

American Family’s customers mostly plan to renew; 92% said they intend to stay with the company. Its trust score was lower than that of some competitors, but solid at 87%. Although other carriers carried a stronger recommendation score, AmFam, at 84%, still performed better than some national carriers, such as Progressive (82%).

CompanyRecommendedTrustworthinessRenewals
American Family84%87%92%
Auto-Owners87%88%92%
Erie92%98%93%
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How American Family scores for digital experience, auto/home bundling and discounts

American Family customers gave the company solid scores in all three of these categories, on par with many competitors. The company didn’t excel in any one area, although its score for auto/home bundling (84%) was higher than that of many national carriers, such as Allstate (76%) and Travelers (75%).

Customers expressed average satisfaction with the digital experience (website and mobile app) at 78%. AmFam had a decent discounts score at 62%; most companies scored in the 50s and 60s.

The table below shows the percentage of customers who reported being satisfied or highly satisfied in each category.

CompanyDigital experienceAuto/home bundlingDiscounts
American Family78%84%62%
Erie71%88%63%
Auto Club Group77%93% 72%
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Types of home insurance offered by American Family

  • Homeowners: Standard (broad form, HO-3), and high-value (comprehensive form, HO-5)
  • Renters: Coverage for tenants (HO-4)
  • Condo: Coverage for condominiums (HO-6)
  • Manufactured home: Coverage for mobile/manufactured homes

American Family home insurance discounts

  • Bundle and save: Buy your auto insurance from AmFam in addition to home insurance
  • Safe, secure, smart home: For qualifying devices such as smart home security systems and Nest devices
  • Renovated home: For renovated plumbing, heating and electrical systems
  • Age of home: For homes under 15 years old
  • Generational: Homeowners between 18 and 30 whose parents have active home or auto policies with American Family
  • Payment and billing discounts: Setup auto pay, pay in full or choose paperless billing for a discount
  • Loyalty: Stick with AMFam for a year or more and earn discounts

States where American Family offers coverage

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Table

States where American Family offers coverage
Arizona
Colorado
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Michigan
Minnesota
Missouri
Nebraska
Nevada
New York
North Carolina
North Dakota
Ohio
Oregon
South Carolina
South Dakota
Texas
Utah
Virginia
Washington
Wisconsin
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Select state


AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

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American Family at a glance

American Family

Sixth-largest homeowners insurance company by market share, with $8,618,178,670 in direct premiums written according to the 2024 NAIC Market Share Report

Policies are sold directly (over the phone or online) or through independent agents

Super-regional carrier offering coverage in 19 states; the largest non-national company by market share

Contact American Family at www.amfam.com or 800-692-6236.

Resources & Methodology

Sources:

NAIC. “NAIC Releases 2024 Market Share Data” Accessed December 2025.

American Family Insurance. “Homeowners insurance discounts” Accessed December 2025.

Methodology 

In late 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on satisfaction, ease of service, policy options, claims handling, digital experience, discounts, bundling, rate increases, older homes and standard coverages. We also asked whether they planned to renew, would recommend their insurer and trusted their insurer.

For insurers with enough survey responses, we added:

  • AM Best financial strength ratings, which measure an insurer’s ability to pay claims
  • NAIC complaint index scores, which show how many customer complaints an insurer receives relative to its size
  • Average premium data from Quadrant Information Services, based on a policy with:
    • $300,000 in dwelling coverage and liability
    • A $1,000 deductible and a 2% deductible where appropriate

With guidance from Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:

  • Customer survey: 40% (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25%
  • Average premium: 20%
  • NAIC complaints: 15%

Each insurer received a rating between 0.5 and 5 stars.

author image
Leslie Kasperowicz
Managing Editor

 
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Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

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