With a mission to inspire, protect, and restore the dreams of its customers, American Family Insurance
offers a wide selection of coverage options, including home and car insurance. Operating across many states, American Family Insurance serves its customers through many coverage options; helps customers save money through various discounts; and allows customers to access their policies, catalog their personal belongings, and pay their bill through online apps.
Part 1 of this article describes key differentiators of the company, Part 2 lists the different types of car and home insurance the company offers, Part 3 gives the various coverage options, Part 4 talks about discounts the company offers, Part 5 provides a list of the states where the company operates, Part 6 goes into detail about the company’s MyAmFam and DreamVault apps, and Part 7 covers the company’s Better Business Bureau (BBB) and A.M. Best ratings.
Part 1 of 7: Key differentiators from other insurance companies
American Family Insurance works with its policyholders to help them realize their dreams through vehicle and homeowners insurance. The company offers a variety of unique programs, including One Saturday to Dream Fearlessly
and the Dream Workbook series
. American Family allows customers to tailor their coverage to fit their needs. It also has a variety of helpful articles online.
Part 2 of 7: Types of car and home insurance provided by American Family
American Family Insurance has a variety of car and home insurance types to choose from, depending on each customer’s individual circumstances and insurance needs. The following section details the different types of car and home insurance the company offers.
Car insurance types: American Family offers a variety of coverage types, including:
State-required property damage liability insurance and bodily injury liability insurance.
In addition, American Family has optional coverage types, such as:
- Collision insurance
- Comprehensive insurance
- Medical expense coverage
Personal injury protection
Home insurance types: American Family also offers protection for your home in the form of property protection coverage, which safeguards both your house and any personal belongings within it. American Family liability protection coverage for your home covers you when someone gets hurt on your property.
Part 3 of 7: Coverage options provided by American Family
In addition, American Family has coverage options to cover a variety of situations. Whether you need to cover the depreciation in value on your vehicle or want insurance for your home-based business, American Family has a selection of options to cover you, including:
Car insurance coverage options: American Family also has a variety of other coverage options for your car in addition to standard insurance, including:
- Rental reimbursement coverage
- Emergency road service
- Underinsured motorist protection
- Accidental death and dismemberment
Uninsured motorist coverage
Home insurance coverage options: Like with car insurance, American Family also offers specific optional coverage for the home, including home-based business coverage, sewer backup and sump pump overflow coverage, additional structure coverage, and identity theft protection.
Part 4 of 7: Discounts you can get through American Family
To help you save money, American Family offers a variety of discounts for both car and home insurance policies.
Car insurance: Discounts from American Family on your car insurance include bundling discounts for combining your various insurance policies together, a good student discount for keeping a certain GPA, and a good driving discount for driving avoiding any accidents, violations, or claims. Some of the other car insurance discounts that the company offers includes a multi-vehicle, loyalty, early-bird, auto safety equipment, defensive driving, low mileage, teen safe driver, young volunteer, and generational discount.
Home insurance: Some of the discounts that American Family offers on home insurance include a multi-product discount, smart home discount, age of home discount, renovated home discount, and home purchase discount.
Part 5 of 7: States in which you can find American Family
American Family Insurance operates in a wide selection of states, mainly across the Midwest and the Pacific Northwest, as well as a few states in the Southwest. States where American Family operates include:
- North Dakota
- South Dakota
Part 6 of 7: American Family Insurance apps
American Family Insurance also uses a couple of apps to help streamline your insurance experience. Available across Android and Apple devices, the apps include:
MyAmFam app: The MyAmFam app gives you the option of looking up your policy and other related documents, paying your bill, and a selection of other helpful functions.
DreamVault: With DreamVault, you can better keep track of your personal belongings with pictures and an organized inventory, allowing you to easily file a claim.
Part 7 of 7: BBB and A.M. Best ratings
Like many companies, American Family Insurance has attained both negative and positive reviews over its years in operation. In addition, learning of a company’s overall financial stability allows you to make a more informed decision when spending your money with the company. The BBB represents a great way to judge overall satisfaction with a company, while A.M. Best can give you a good indicator of a company’s financial stability.
According to the BBB, American Family Insurance receives an A rating
. BBB ratings are based upon 13 different criteria, including the number of complaints filed, response to those claims, and customer satisfaction with the response to their claim, among other factors.
According to A.M. Best, American Family Insurance has a rating of A
. In addition to an A rating, A.M. best predicts a stable financial outlook for the company.
American Family Insurance offers a wide selection of car and home insurance. With many options to cover a variety of needs, the company’s BBB and A.M. Best ratings indicate the company is a sound way to invest your money and receive the level of service you expect from an insurer.