Liberty Mutual Homeowners Insurance vs. American Family Homeowners Insurance
Side-by-side comparison · Updated 2026 · Independently reviewed
Liberty Mutual Homeowners Insurance
Liberty Mutual
3.9
Avg ~$1,976/yr. Highly customizable. Inflation Protection. New purchase discounts.
Full review →American Family Homeowners Insurance
American Family Insurance
4.2
Avg ~$1,900/yr. Dream Home® endorsement. Smart home discounts. 19-state footprint.
Full review →WealthSpott Verdict
American Family Homeowners Insurance wins on more measurable categories. Liberty Mutual Homeowners Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.
Feature
Liberty Mutual Homeowners
American Family Homeowners
WealthSpott Rating
3.9 / 5
4.2 / 5 Best
Coverage Type
Home Insurance
Home Insurance
Avg Annual Premium
~$1,976/yr
~$1,900/yr Best
AM Best Rating
A
A
J.D. Power Score
790 / 1000
831 / 1000 Best
Mobile App Rating
—
—
Liberty Mutual Homeowners Insurance
American Family Homeowners Insurance
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