TLDR
  • Available in 19 states (primarily Midwest and Mountain West) — if you're outside this footprint, AmFam is not an option
  • Averages $16–22/month for standard renters coverage — mid-range within its markets
  • NAIC complaint ratio 0.82 — below average; solid claims and service track record
  • KnowYourDrive telematics for auto carries a bundle discount over to renters pricing
  • Strong local agent network in its 19-state footprint; knowledgeable about regional weather and claim patterns
NAIC complaint ratio  0.82  — below average (fewer complaints)

About American Family renters insurance

American Family Insurance is a mutual insurer headquartered in Madison, Wisconsin, with a 19-state presence concentrated in the Midwest and Mountain West. Its renters insurance is agent-distributed and priced competitively within its operating territory. For renters in states like Wisconsin, Minnesota, Iowa, Kansas, Missouri, and neighboring markets, AmFam is a genuine competitor to State Farm and Nationwide — often with more personalized agent service than its larger national peers.

Who AmFam renters insurance is right for

American Family is right for renters in its 19-state operating territory — particularly Wisconsin, Minnesota, Iowa, Missouri, Kansas, Colorado, Arizona, Oregon, and Washington. Within those markets, it competes directly with State Farm and Nationwide on both price and service quality. The agent model provides the same benefit as State Farm's: a local person who knows your policy and can advocate during a claim. For renters outside the 19-state footprint, AmFam isn't an option — start with Lemonade, GEICO, or Nationwide.

How much does American Family renters insurance cost?

American Family renters insurance runs $16–22/month for standard coverage within its markets. The pricing is mid-range to slightly above; the argument for AmFam is the agent relationship and claims track record (0.82 NAIC), not price leadership. KnowYourDrive telematics can reduce auto costs meaningfully, and that discount carries into the bundle price for renters — if you're already an AmFam auto customer, the bundle math often works in your favor.

Availability: 19 Midwest states.  Best for: Midwest renters.

American Family renters insurance pros and cons

Pros

  • NAIC complaint ratio 0.82 — below average; strong regional claims track record
  • Local agent network with regional expertise
  • Competitive bundle pricing for AmFam auto customers

Cons

  • Only available in 19 states — geographic limitation is the biggest downside
  • Above average standalone pricing versus Lemonade or GEICO
  • Limited options for renters outside the Midwest/Mountain West footprint

Bottom line: If you're in AmFam's 19-state territory, it belongs on your quote list — the claims track record (0.82 NAIC) and agent network make it competitive with State Farm. If you're outside that footprint, it's simply not available. Check availability at americanfamily.com before spending time on a quote.

Compare American Family against other carriers

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Compare American Family renters insurance rates by state

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

Frequently asked questions

How much is American Family renters insurance?
American Family renters insurance averages $16–$22/month for standard coverage ($20,000 personal property, $100,000 liability). Your exact price depends on your location, coverage amount, and deductible.

Is American Family good for renters insurance?
American Family has an NAIC complaint ratio of 0.82 — below average (fewer complaints). If you're in AmFam's 19-state territory, it belongs on your quote list — the claims track record (0.82 NAIC) and agent network make it competitive with State Farm. If you're outside that footprint, it's simply not available. Check availability at americanfamily.com before spending time on a quote.

What states does American Family renters insurance cover?
American Family Insurance sells renters insurance 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. If you're in one of these states and currently insured with AmFam for auto, bundling renters is worth exploring. If you're outside this footprint, consider Nationwide, GEICO, Lemonade, or State Farm.

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