American Family Insurance Review

American Family is the nation’s No. 9 largest auto insurance seller, but it also offers a wide selection of other products, including insurance for homeowners, renters, life, motorcycles, boats, condos and mobile homes. American Family also sells insurance for farms, ranches and businesses, as well as investment and retirement products.

American Family insurance products are available in 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington and Wisconsin.

American Family Insurance offers a dozen coverage options, many of which are standard among auto insurance companies. They include:

American Family Insurance also offers emergency roadside service coverage and auto rental reimbursement coverage. Another add-on coverage, auto loan/lease protection, pays for the difference between the amount you owe on your loan or lease and the vehicle’s value if it’s damaged beyond repair.

American Family offers 11 discounts that reward you for such things as a good driving record, good grades in school, completing a defensive driving course and having air bags or other safety equipment in your car.

One discount that’s not so common rewards people under 25 who do 40 hours of nonprofit volunteer work a year.

A homeowners insurance policy covers you in the event of theft, vandalism, fire or lightning, natural disaster and other problems. A policy won’t cover you for damage from flooding or earthquakes.

American Family Insurance offers standard homeowners insurance coverage, which pays out for loss of or damage to your home and structures on your property. Coverage also pays to repair or replace your belongings, as well as for your living expenses while your home is being repaired or rebuilt after a loss. Personal liability insurance covers medical and legal costs when someone is injured at your home.

Homeowners insurance coverage features and limits vary by state, and not all are available in every state. American Family also offers condo and renters insurance.

Availability and amount of discounts will vary.

American Family auto insurance has fewer than the median number of complaints for a company of its size, according to data compiled by the National Association of Insurance Commissioners. Its complaint ratio is 0.61, compared with the industry median of 1.00.

In a Consumer Reports survey, American Family auto insurance customers rated the company “very good” on claims satisfaction and “good” on price satisfaction. Overall, American Family scored 83 out of a possible 100, ranking in the middle of the pack among 24 auto insurance companies surveyed.

American Family fared well in J.D. Power’s 2015 U.S. Auto Claims Satisfaction Study with 859 points out of 1,000, ranking eighth out of 24 companies.

For home insurance claims satisfaction, American Family came in 18th out of 21 home insurance companies surveyed in J.D. Power’s 2015 U.S. Property Claims Satisfaction Study. It has 841 points out of a possible 1,000. J.D. Power rated it “about average.”

On the American Family Insurance website, you can find an agent, get a quote, pay your bill and report a claim.

With My Amfam, American Family’s mobile app, you can manage your claim, pay your bill, find an agent, view your policy documents and download your proof of insurance. In addition, you can find roadside assistance or an auto or glass repair shop.

Android users rate the app 3.7 out of 5 stars, with a limited sample of reviews. IPhone users rate it only 2 stars, with hundreds of ratings.

If you value an insurance company with a wide-ranging line of insurance products and with high ratings for auto claims satisfaction and auto insurance pricing, American Family deserves your attention. As always, it’s best to shop around and get quotes from different companies. When comparing car insurance quotes, NerdWallet’s comparison tool can help.



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