- Estimated $1,781/year (~$148/month) for a standard $300k policy — below the national average
- NAIC complaint ratio 0.86 (near industry average); B+ financial strength
- Availability: 19 Midwest & Western states · local agents
- Competitive bundled pricing in its footprint
- Available in only 19 states
About American Family homeowners insurance
American Family (AmFam) sells through local agents across 19 Midwest and Western states. It's competitive on bundled auto+home pricing and offers a deep discount stack — multi-policy, loyalty, smart-home, and more. Within its footprint it's a solid mainstream option.
Who American Family homeowners insurance is right for
Homeowners in AmFam's 19 states who want a local agent and plan to bundle auto and home for the discount stack.
How much does American Family homeowners insurance cost?
American Family homeowners insurance averages roughly $1,781/year (about $148/month) for a standard policy with around $300,000 in dwelling coverage and a $1,000 deductible — below the national average of about $1,915. Homeowners pricing varies enormously by state, dwelling amount, roof age, and claims history, so treat this as a directional benchmark and get a quote for your specific home.
Availability: 19 Midwest & Western states · local agents.
American Family homeowners insurance pros and cons
Pros
- Competitive bundled pricing in its footprint
- Deep discount stack (multi-policy, loyalty, smart home)
- Local agents and solid financial stability
Cons
- Available in only 19 states
- Requires an agent in most cases
- Standalone pricing is roughly average
Bottom line: If you're in an AmFam state and bundling, it's worth a quote. Compare the bundled number against Travelers and the cheaper carriers above.
American Family’s recent rate filings
The actual rate changes American Family filed with state insurance regulators — primary-source numbers, not estimates. In the filings we track, American Family filed 2 home rate changes across 2 states, averaging ±0.0% and 8 auto rate changes across 6 states, averaging +3.1%. Each row links to the filing in our rate-filings ledger.
| Product | State | Change | Effective | SERFF filing |
|---|---|---|---|---|
| Home | IL | 0.0% | Oct 2026 | #AMFC-135002345 ↗ |
| Home | OH | 0.0% | — | #AMFC-134804404 ↗ |
| Auto | IL | −5.0% | Jun 2026 | #AMFC-134924309 ↗ |
| Auto | SC | +8.8% | May 2026 | #PRCA-134889827 ↗ |
| Auto | OH | +2.9% | May 2026 | #PRCA-134811925 ↗ |
| Auto | GA | +7.5% | Apr 2026 | #PRCA-134928738 ↗ |
| Auto | TN | +4.0% | Mar 2026 | #PRCA-134868307 ↗ |
| Auto | OH | 0.0% | Jan 2026 | #AMFC-134796555 ↗ |
| Auto | IL | +3.0% | Dec 2025 | #AMFC-134711267 ↗ |
| Auto | LA | +3.5% | Dec 2025 | #HMSS-134668827 ↗ |
Filed/approved statewide-average changes from each state’s Department of Insurance; a filed average is not your rate — your change depends on your ZIP, coverage, and risk profile, and a cut often reaches new customers before renewals. Not a quote.
Compare American Family homeowners rates by state
Frequently asked questions
How much is American Family homeowners insurance?
Roughly $1,781/year (~$148/month) for a standard $300k-dwelling policy — below the national average. Your exact price depends on your home, deductible, and claims history.
Is American Family good for homeowners insurance?
It carries an NAIC complaint ratio of 0.86 (near industry average) and B+ financial strength. If you're in an AmFam state and bundling, it's worth a quote. Compare the bundled number against Travelers and the cheaper carriers above.
Not sure how much coverage you need?
Use the home coverage calculator to size your dwelling, liability, and add-ons before you compare American Family against other carriers.