American Family Homeowners Insurance
American Family Insurance
4.2
Avg ~$1,900/yr. Dream Home® endorsement. Smart home discounts. 19-state footprint.
Editorial score
4.2 / 5
Product type
home insurance
Our take
American Family (AmFam) offers the Dream Home® endorsement — coverage to rebuild your home exactly as it was, even if costs exceed your limit. Strong smart home discounts (up to 5%) and one of the most transparent pricing processes in the industry. Available in 19 states.
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Full details
| best for | Midwest homeowners seeking guaranteed rebuild coverage |
| specialty | Dream Home® replacement guarantee |
| am best rating | A |
| jd power score | 831 |
| headline metric | From ~$158/mo |
| home value tier | standard |
| secondary metric | Dream Home® rebuild guarantee |
| states available | 19 states (Midwest, West, South) |
| bundling discount | up to 23% |
| avg annual premium | 1900 |
| avg monthly premium | 158 |
| discount highlights | Smart home device, multi-policy, generational, autopay, paperless |
Frequently asked questions
What should I compare besides premium for American Family Homeowners Insurance?
Look at coverage limits, deductibles, exclusions, and customer service reputation. The cheapest quote is not always the best value if coverage is weaker.
Is American Family Homeowners Insurance right for me?
American Family (AmFam) offers the Dream Home® endorsement — coverage to rebuild your home exactly as it was, even if costs exceed your limit. Strong smart home discounts (up to 5%) and one of the most transparent pricing processes in the industry. Available in 19 states.
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Verified Apr 2026
American Family Homeowners Insurance