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American Family Homeowners Insurance Overview in 2023
Based in Madison, Wisconsin, American Family Insurance was established in 1927. Along with products for landlords, business owners, condo owners, and homeowners, the company also offers auto insurance. Permanent General Companies, which distributes auto insurance under the General name, is additionally owned by American Family.
Numerous types of homes are covered by insurance provided by American Family, including single-family homes, condos, apartments, and prefabricated homes. Even coverage for unused or unoccupied homes, home-based companies, and personal items in senior care facilities can be purchased by eligible applicants through American Family.
According to the residence, the insurer typically gives standard coverage that covers your house, other structures, loss of use, personal property, personal liability, and guest medical insurance. You may also be able to get coverage for your priceless possessions, for dealing with a water backup, or for dealing with roof damage.
Based on our sample insurance, the cost of standard coverage is roughly $162 per month. The location, style of construction, age, and other aspects of your home may affect your insurance coverage more or less. If your home has technology that can identify water leaks or security breaches, American Family offers a variety of discounts, including those for “smart homes.”
The homeowners policy quote process can be started online, but you must sign up with an American Family representative who can help you navigate the several insurance alternatives.
Which Homeowners Insurance Plans Does American Family Offer?
The typical policy at American Family offers the following homeowner insurance plan coverages:
Dwelling. This applies to your home’s physical structure as well as any attached items in the event that it sustains damage or is completely destroyed by hail, wind, lightning, or fire. It likewise holds true for theft or vandalism.
other buildings. This applies to any detached buildings on your land, including a fence, gazebo, or pool.
personal effects. This covers things like clothing, electronics, furniture, and other possessions and will reimburse you in the event that they are damaged or destroyed (up to your coverage limits).
a short-term living expense. When a covered loss renders your house temporarily uninhabitable and provides funding for necessary expenses, such accommodation and meals, this is also known as loss of use or additional living expenses (ALE).
Personal responsibility. This holds true if someone gets wounded on your property and sues you for compensation. Additionally, it safeguards you in case you are blamed for someone else’s property damage.
What Other Homeowners Coverages Does American Family Provide?
American Family also provides a number of additional homeowners insurance alternatives, including a handful that are exclusive to this provider and might be suitable for you:
Equipment failure. This holds true for problems with HVAC systems, smart home gadgets, and other items that are electrical, mechanical, or pressure-related.
water backup and a sump pump. In the event of a sump pump failure or a water or drain backlog, your home is protected.
coordinating siding defense. It’s likely that your siding has faded over time if it has been on your house for a while. When siding has been replaced as a result of a covered loss, this coverage will pay the difference to replace undamaged siding to make it match new siding.
prevention of credit theft. Receive alerts if anything changes to your credit by signing up for credit monitoring through CyberScout.
decreasing the deductible. You automatically receive a $100 credit against your deductible with this insurance. You receive an additional $100 credit, up to your policy deductible, for each subsequent year without a claim.
concealed water damage. This holds true for hidden leaks that develop in out-of-the-way places, such as behind an appliance, inside a wall or cabinet. Rust, corrosion, degradation, and regular wear and tear are all included in this.
How Much Does Homeowners Insurance for American Families Cost?
Homeowners insurance from American Family is expected to cost $162 per month for coverage. Your home, other structures, loss of use, personal goods, personal liability, and visitor medical insurance are all covered. The estimate is based on a 2,400-square-foot townhouse in Naperville, Illinois, valued at $450,000, built in 1997, with a $500,000 coverage amount and a $1,000 deductible.
What Savings Does American Family Offer?
American Family has a number of options for reducing the cost of your homeowner insurance:
combining policies. By using American Family for both your house and auto insurance, you can save up to 23%.
Smart Transactions. Policyholders who pay their premium in full, choose paperless billing, or establish automated payments are eligible for discounts.
newer and updated housing. You could be eligible for these savings if your house is less than 15 years old.
customer devotion. This discount may be available to policyholders who have been with American Family for more than a year.
age-related discount. Anyone between the ages of 18 and 30 who has a parent with an active American Family home or auto insurance policy is covered.
Discount for a safe, secure, smart home. You might get a better rate if your house has a home security system or another acceptable equipment.
Depending on the type of policy you have, additional discounts might also be available. Not all states grant discounts, though. Find out what savings are offered in your area by speaking with an American Family representative.
How do I purchase homeowners insurance from American Family?
By researching some of the alternatives offered by the company and getting a general price based on your requirements, you can begin the process of purchasing American Family house insurance online. But you must speak with an American Family agent to complete the transaction and enroll in a new policy.
It’s a good idea to have a rough understanding of what you require, when the policy must go into effect, and whether you desire any additional coverage, such as vehicle insurance, which, when combined with homes insurance, can lower your rates. Your premium can be paid by phone, mail, or online.
How Do I File a Claim with American Family for Homeowners Insurance?
You can contact American Family customer care, your American Family agent, the MyAmFam app, or the company’s website to submit a claim. You should be prepared with as much knowledge as you can about what happened precisely, who was involved, when it occurred, and, if it applies to your circumstance, pictures or videos of any damage.
A claims agent from American Family will review the specifics after you submit your claim. An American Family insurance adjuster will then usually contact you to inspect the damage and begin working on your claim.
What is excluded from American Family’s homeowners insurance?
American Family does not assume responsibility for routine home maintenance or cover wear and tear. Floods are not covered by a normal policy, but you can purchase separate flood insurance. If you live with a roommate, they could require their own insurance as it often doesn’t cover anything save the policyholder’s and their family’s personal belongings.