Compare Homeowners Insurance Coverages

Choosing homeowners insurance with American Family means you have the freedom to build a policy that’s best for you and your family. Our comparison chart makes it simple to compare your home insurance package options.

COVERAGE FOR YOUR HOME

Dwelling — Coverage A

Pays to rebuild or repair your home if it’s damaged by an unexpected event. Think roof, walls, floor, siding and windows.
COVERAGE FOR OTHER STRUCTURES

Other Structures — Coverage B

Pays for damage to other, detached structures on your property such as garages, gazebos, sheds and fences, that are 300 square feet or larger.
COVERAGE FOR YOUR THINGS

Personal Property — Coverage C

Covers your personal belongings, including furniture, clothing and appliances, if they’re stolen, damaged or destroyed.
COVERAGE FOR LIVING EXPENSES

Loss of Use — Coverage D

Pays for additional living expenses if your home is uninhabitable due to a covered event.
COVERAGE WHEN ACCIDENTS HAPPEN

Personal Liability — Coverage E

Protects you against financial loss if you’re sued and found legally responsible for someone else’s injury or property damage.
COVERAGE FOR MEDICAL EXPENSES

Medical Expenses — Coverage F

Covers medical payments to others, injured on or off your property, regardless of your legal responsibilities.
OPTIONAL COVERAGE

Jewelry, Gemstones, Watches and Furs Coverage

Your base policy includes a limit of $2,000 for all jewelry, watches and furs combined. If the total value of these items is more than the limit in your policy, you can add additional coverage by increasing your total coverage limit or itemizing specific items. You’ll also have coverage for a broader range of losses.
OPTIONAL COVERAGE

Identity Fraud Expense Coverage

Helps protect you from the high costs related to restoring your identity.
OPTIONAL COVERAGE

Personal Injury Coverage

Covers thing like libel and/or slander; false arrest, detention or imprisonment; malicious prosecution; wrongful eviction or wrongful entry; associated legal costs.
OPTIONAL COVERAGE

Equipment Breakdown Coverage

Offers protection should your appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems breakdown. A $500 deductible applies versus your homeowners policy deductible.
OPTIONAL COVERAGE

Service Line Coverage

Helps pay for the cost to repair or replace damaged service lines, like underground piping or wiring for things like electrical power, heating and natural gas. Service lines that aren’t underground aren’t covered.

Economy Protection
(Good)

COVERAGE FOR YOUR HOME

Dwelling — Coverage A

Pays to rebuild or repair your home if it’s damaged by an unexpected event. Think roof, walls, floor, siding and windows.

Coverage limits are based on the value of your home. You’ll want to select enough coverage to cover the cost to rebuild your home, which is different than the market value.

More Info

COVERAGE FOR OTHER STRUCTURES

Other Structures — Coverage B

Pays for damage to other, detached structures on your property such as garages, gazebos, sheds and fences, that are 300 square feet or larger.

$5,000 coverage included. Option to increase coverage limit.

More Info

COVERAGE FOR YOUR THINGS

Personal Property — Coverage C

Covers your personal belongings, including furniture, clothing and appliances, if they’re stolen, damaged or destroyed.

50% of coverage A dwelling. Option to increase or decrease by 5% increments. Includes actual cash value (ACV) coverage with option to purchase replacement cost value (RCV).

More Info

COVERAGE FOR LIVING EXPENSES

Loss of Use — Coverage D

Pays for additional living expenses if your home is uninhabitable due to a covered event.

20% of Coverage A

COVERAGE WHEN ACCIDENTS HAPPEN

Personal Liability — Coverage E

Protects you against financial loss if you’re sued and found legally responsible for someone else’s injury or property damage.

$100,000 per occurrence

COVERAGE FOR MEDICAL EXPENSES

Medical Expenses — Coverage F

Covers medical payments to others, injured on or off your property, regardless of your legal responsibilities.

$5,000 per person, option to increase

OPTIONAL COVERAGE

Jewelry, Gemstones, Watches and Furs Coverage

Your base policy includes a limit of $2,000 for all jewelry, watches and furs combined. If the total value of these items is more than the limit in your policy, you can add additional coverage by increasing your total coverage limit or itemizing specific items. You’ll also have coverage for a broader range of losses.

OPTIONAL COVERAGE

Identity Fraud Expense Coverage

Helps protect you from the high costs related to restoring your identity.

OPTIONAL COVERAGE

Personal Injury Coverage

Covers thing like libel and/or slander; false arrest, detention or imprisonment; malicious prosecution; wrongful eviction or wrongful entry; associated legal costs.

OPTIONAL COVERAGE

Equipment Breakdown Coverage

Offers protection should your appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems breakdown. A $500 deductible applies versus your homeowners policy deductible.

OPTIONAL COVERAGE

Service Line Coverage

Helps pay for the cost to repair or replace damaged service lines, like underground piping or wiring for things like electrical power, heating and natural gas. Service lines that aren’t underground aren’t covered.
Traditional Protection
(Better)

COVERAGE FOR YOUR HOME

Dwelling — Coverage A

Pays to rebuild or repair your home if it’s damaged by an unexpected event. Think roof, walls, floor, siding and windows.

Coverage limits are based on the value of your home. You’ll want to select enough coverage to cover the cost to rebuild your home, which is different than the market value.

More Info

COVERAGE FOR OTHER STRUCTURES

Other Structures — Coverage B

Pays for damage to other, detached structures on your property such as garages, gazebos, sheds and fences, that are 300 square feet or larger.

$5,000 coverage included. Option to increase coverage limit.

More Info

COVERAGE FOR YOUR THINGS

Personal Property — Coverage C

Covers your personal belongings, including furniture, clothing and appliances, if they’re stolen, damaged or destroyed.

60% of coverage A dwelling. Option to increase or decrease by 5% increments. Includes replacement cost value coverage (RCV).

More Info

COVERAGE FOR LIVING EXPENSES

Loss of Use — Coverage D

Pays for additional living expenses if your home is uninhabitable due to a covered event.

20% of Coverage A

COVERAGE WHEN ACCIDENTS HAPPEN

Personal Liability — Coverage E

Protects you against financial loss if you’re sued and found legally responsible for someone else’s injury or property damage.

$300,000 per occurrence (qualifies for umbrella)

More Info

COVERAGE FOR MEDICAL EXPENSES

Medical Expenses — Coverage F

Covers medical payments to others, injured on or off your property, regardless of your legal responsibilities.

$25,000 per person, option to increase

OPTIONAL COVERAGE

Jewelry, Gemstones, Watches and Furs Coverage

Your base policy includes a limit of $2,000 for all jewelry, watches and furs combined. If the total value of these items is more than the limit in your policy, you can add additional coverage by increasing your total coverage limit or itemizing specific items. You’ll also have coverage for a broader range of losses.

$2,000 per item, with a cap of $5,000 for all items

OPTIONAL COVERAGE

Identity Fraud Expense Coverage

Helps protect you from the high costs related to restoring your identity.

OPTIONAL COVERAGE

Personal Injury Coverage

Covers thing like libel and/or slander; false arrest, detention or imprisonment; malicious prosecution; wrongful eviction or wrongful entry; associated legal costs.

OPTIONAL COVERAGE

Equipment Breakdown Coverage

Offers protection should your appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems breakdown. A $500 deductible applies versus your homeowners policy deductible.

OPTIONAL COVERAGE

Service Line Coverage

Helps pay for the cost to repair or replace damaged service lines, like underground piping or wiring for things like electrical power, heating and natural gas. Service lines that aren’t underground aren’t covered.
Premier Protection
(Best)

COVERAGE FOR YOUR HOME

Dwelling — Coverage A

Pays to rebuild or repair your home if it’s damaged by an unexpected event. Think roof, walls, floor, siding and windows.

Coverage limits are based on the value of your home. You’ll want to select enough coverage to cover the cost to rebuild your home, which is different than the market value.

More Info

COVERAGE FOR OTHER STRUCTURES

Other Structures — Coverage B

Pays for damage to other, detached structures on your property such as garages, gazebos, sheds and fences, that are 300 square feet or larger.

$5,000 coverage included. Option to increase coverage limit.

More Info

COVERAGE FOR YOUR THINGS

Personal Property — Coverage C

Covers your personal belongings, including furniture, clothing and appliances, if they’re stolen, damaged or destroyed.

75% of coverage A dwelling. Option to increase or decrease by 5% increments. Includes replacement cost value coverage (RCV).

More Info

COVERAGE FOR LIVING EXPENSES

Loss of Use — Coverage D

Pays for additional living expenses if your home is uninhabitable due to a covered event.

30% of Coverage A

COVERAGE WHEN ACCIDENTS HAPPEN

Personal Liability — Coverage E

Protects you against financial loss if you’re sued and found legally responsible for someone else’s injury or property damage.

$500,000 per occurrence (qualifies for umbrella)

More Info

COVERAGE FOR MEDICAL EXPENSES

Medical Expenses — Coverage F

Covers medical payments to others, injured on or off your property, regardless of your legal responsibilities.

$25,000 per person, option to increase

OPTIONAL COVERAGE

Jewelry, Gemstones, Watches and Furs Coverage

Your base policy includes a limit of $2,000 for all jewelry, watches and furs combined. If the total value of these items is more than the limit in your policy, you can add additional coverage by increasing your total coverage limit or itemizing specific items. You’ll also have coverage for a broader range of losses.

$2,000 per item, with a cap of $5,000 for all items

OPTIONAL COVERAGE

Identity Fraud Expense Coverage

Helps protect you from the high costs related to restoring your identity.

OPTIONAL COVERAGE

Personal Injury Coverage

Covers thing like libel and/or slander; false arrest, detention or imprisonment; malicious prosecution; wrongful eviction or wrongful entry; associated legal costs.

OPTIONAL COVERAGE

Equipment Breakdown Coverage

Offers protection should your appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems breakdown. A $500 deductible applies versus your homeowners policy deductible.

OPTIONAL COVERAGE

Service Line Coverage

Helps pay for the cost to repair or replace damaged service lines, like underground piping or wiring for things like electrical power, heating and natural gas. Service lines that aren’t underground aren’t covered.

Insurance with us means having the option to customize your coverage to fit your needs. Any coverage not included in economy or traditional packages may be purchased separately, and you always have the option to increase your limits for specific coverages.

You have the option to purchase umbrella coverage, which offers a higher level of liability coverage that goes above your standard policy limits.

We'll cover up to $2,000 per item in this category, with a cap of $5,000 for all items.

A number of factors can affect the value of your home, such as location, style of the home, quality of materials used and added features like solar panels. Make sure to take these into account when choosing a dwelling coverage limit.

$5,000 coverage included in policy for fences, driveways, sidewalks, retaining walls and small structures. Many detached structures, like garages, pools and sheds, may require a higher level of coverage.

Replacement cost value (RCV) — what it'd cost to replace your property with new property of the same type, kind and quality, without deducting for depreciation.

Actual cash value (ACV) — what it'd cost to buy your property new today, subtracting depreciation for factors such as age, condition and obsolescence. Replacement cost value (RCV) — what it'd cost to replace your property with new property of the same type, kind and quality, without deducting for depreciation.