Norton Secured powered by digicert
two men standing in front of a building
Protect What You Work Hard For

Customers who bundle auto and home policies save up to 23% on both policies together.* Find out how much you could save.

Start a Quote

Prefer to work with an expert? Find an agent >

Homeowners Insurance

Pro Tips for Quoting Home Insurance

Quote Your Way

Quote online using the form above, or find an agent near you.

Collect Info About Your Home

Grab the link to your property from your favorite real estate website. Your location, home’s materials, age and more impact how much coverage you’ll need.

Take Advantage of Discounts

Save up to 23% when you bundle your home and auto insurance today.* Talk to your agent or learn about all discounts on your own.

Confirm Your Coverage When You’re Ready

Finalize your policy or save your quote and come back to it whenever you’re ready.

Home Insurance Advisors You Can Trust

text

Named one of America's Best Insurance Companies of 2022 by Forbes.

a man and a woman standing in front of a door

24/7 claims support. In your time of need, American Family has your back.

logo

Over 90 years in business protecting our customers.

Quote Your Customized Home Insurance Policy

Do It Yourself

Start a Quote

Work With a Trusted Advisor

Advice for First-Time Homebuyers

  1. New to home insurance? It doesn’t have to be complicated. Your policy will be made up of the following coverage:

    • Dwelling Coverage: Protects the physical structure of your home, like your roof, walls, floor, siding and windows.
    • Other Structures Coverage: Protects structures on your property like garages, sheds, fences or pools.
    • Personal Property Coverage: Helps replace or repair items like your clothing, jewelry, appliances, furniture and electronics.
    • Loss of Use Coverage: Helps pay for expenses like hotel stays and food should your home become unlivable.
    • Personal Liability Coverage: Accidents happen. This coverage provides financial protection for property damage and injury to others.
    • Medical Expense Coverage: Helps pay medical expenses to others.
    • Optional Coverage: Gain extra protection from the unexpected and peace of mind by adding optional coverages to further personalize your policy.** Choose from great options like Hidden Water, Equipment Breakdown, service line, sewer back-up and more.
  2. Most mortgage lenders require that you have homeowners insurance before they will finalize the purchase of your new home. This is because they want to make sure their investment is protected, since the lender will technically own the title of the home until you pay off the mortgage. Many lenders will require proof of insurance 2 - 3 weeks before closing. So unless you’re paying in cash, you’ll need home insurance well in advance of closing. Have more questions about what to expect on closing day?

    Download our Printable Closing Day Checklist

  3. Equipment Breakdown is optional coverage that protects your budget from expensive and unexpected repair or replacement costs due to home appliance failure or breakdowns. It starts at just $30 per year for homeowners and manufactured homeowners — way less than the premium for a home warranty, which sometimes ranges above $500 annually. Equipment Breakdown coverage is an affordable, easy way to protect your everyday appliances like:

    • Refrigerators, ovens and stoves
    • Washers and dryers
    • Heating and cooling units, including furnaces and water heaters
    • Electrical systems
    • Home security systems
    • Swimming pool equipment and garden tractors
    • Well pumps

Get a Quote Today

Start a Quote

Prefer to work with an expert? Find an agent >

*Customers who bundle auto and home insurance policies may save up to 23% on both policies together (as of October 2021). Discounts may vary by state, property, policy form and company underwriting the auto and/or home policy. Discounts may not apply to all coverages on an auto or property policy

**For an additional premium charge. Product eligibility will vary by state, property type, policy form and company underwriting the casualty and/or property policy. Some restrictions may apply.

***Coverage provides protection should appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems sudden breakdown. Does not provide coverage for breakdown caused by normal wear and tear. Coverage applies once a $500 deductible has been met.