Compare Coverage Options

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.
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.

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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.