American Family Homeowners Insurance vs. Auto-Owners Homeowners Insurance
Side-by-side comparison · Updated 2026 · Independently reviewed
American Family Homeowners Insurance
American Family Insurance
4.2
Avg ~$1,900/yr. Dream Home® endorsement. Smart home discounts. 19-state footprint.
Full review →Auto-Owners Homeowners Insurance
Auto-Owners Insurance
4.5
Avg ~$1,400/yr. Lowest complaint ratio. Agent-only. 26 states. A++ AM Best.
Full review →WealthSpott Verdict
Auto-Owners Homeowners Insurance wins on more measurable categories. American Family Homeowners Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.
Feature
American Family Homeowners
Auto-Owners Homeowners Insurance
WealthSpott Rating
4.2 / 5
4.5 / 5 Best
Coverage Type
Home Insurance
Home Insurance
Avg Annual Premium
~$1,900/yr
~$1,400/yr Best
AM Best Rating
A
A++
J.D. Power Score
831 / 1000
882 / 1000 Best
Mobile App Rating
—
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American Family Homeowners Insurance
Auto-Owners Homeowners Insurance
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