American Family Homeowners Insurance is one of the top home insurance options for those looking for an established company with extensive experience. Discover the benefits this comprehensive coverage can offer you!
About American Family Homeowners Insurance
American Family is one of the largest insurers in the United States, with over 90 years in the market. This policy helps protect your home against common risks and unexpected events, offering broad, customizable coverage, from structural damage to protection for personal belongings.
The company stands out for its policy flexibility, local customer service, and a wide range of discounts and digital tools to make managing your insurance easier. Serving everyone from traditional homeowners to high-value property owners, American Family Homeowners Insurance is known for being both complete and appealing.
Main Coverages
American Family starts with a robust standard package that can be expanded with optional add-ons. Key protections include:
- Dwelling coverage: protects against fire, wind, hail, falling trees, vandalism, and more.
- Personal property coverage: reimbursement for loss or damage to furniture, appliances, clothing, electronics, and other belongings.
- Liability coverage: protects against legal costs and settlements.
- Loss of use: reimburses expenses for temporary housing.
- Other structures coverage: protection for garages, fences, sheds, and similar structures.
Optional add-ons include:
- Flood and earthquake insurance
- Protection against water leaks and hidden internal damage
- Extended coverage for high-value items (jewelry, art, collections)
- Protection for home equipment and HVAC systems
Advantages
American Family Homeowners Insurance offers a range of features that make it appealing for many different customer profiles:
- Customizable policies
- Network of local agents
- Discount programs: lower premiums for customers with no recent claims
- Discounts for installing security devices
- Digital tools for easy account management
- Flexible payment options: monthly, quarterly, semiannual, or annual
- 24/7 claims assistance
