TLDR
  • 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
NAIC complaint ratio  0.86  — near industry average

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.

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Compare American Family homeowners rates by state

California →Texas →Florida →New York →Colorado →Oklahoma →Ohio →Georgia →North Carolina →Illinois →Pennsylvania →Michigan →Virginia →Washington →Tennessee →

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.

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