From your countertops to the color of your walls, your home is uniquely yours. Shouldn’t your homeowners insurance be built just for you too? We think so.
American Family homeowners insurance covers more than just your floors, walls and ceilings. We believe that everything your home stands for is worth protecting. That’s why we provide the customized home coverage you need to protect what matters most to you.
Did you know you can add coverage and customize your policy for hazards that aren’t insured in your base policy? Check out the details in the Added Coverage section below.
Here’s a look at what’s covered under a standard homeowners policy:
Our homeowners insurance policy includes different types of coverage that offer you, your home and your belongings protection from unexpected events. Check out our Personalized Coverage Assistant for guidance on which standard and additional coverages are right for your home.
What it does: Dwelling coverage covers damages to the structure of your home from things like fire, windstorms, hail, lightning, theft and vandalism.
Example: If your home’s structure is damaged by a fire, the repair costs would be covered by the dwelling portion of your home insurance.
What it does: Other structures coverage covers damage to other, detached buildings on your property such as detached garages, gazebos, sheds, swimming pools and fences. Remember, this coverage protects the structure itself — not the things you store inside. That’s where personal property coverage steps in to help.
Example: If a windstorm knocks a tree onto your shed and it needs to be repaired, other structures coverage helps cover the cost.
What it does: From the belongings in your home to the tools in your shed, personal property coverage protects items inside and outside your home (up to your selected coverage limits) if they're damaged or destroyed by a covered event.
Example: That fire that damaged your home’s structure? It also caused serious smoke damage to your clothes and furniture. The good news is your personal property coverage will help cover the cost to clean, repair or replace both!
What it does: If your home becomes uninhabitable as a result of a covered event,this coverage helps pay for additional living expenses, like a hotel and food.
Example: After that fire, there’s no way you’re staying in your home until it’s repaired and the smell of smoke is gone. Thankfully, your loss of use coverage will help pay for a temporary place to live.
What it does: If someone is accidentally injured on your property, our liability coverage can protect you from liability claims and lawsuits brought by others up to your policy limit.
Example: Unfortunately, your friend was over when the fire started and they were severely injured and ended up in the hospital. The liability coverage on your homeowners policy will help pay for their medical bills.
If your appliances, home systems or smart home devices are damaged due to mechanical, electrical or pressure systems breakdown this coverage has your back.
Whether your basement is where you store your treasures or a finished space for entertaining, the right protection gives you peace of mind. Water backup and sump pump failure coverage is an optional add-on that can put your mind at ease.
Your homeowner’s policy will replace the damaged sections of siding due to a covered loss. And then if you have undamaged siding coverage, we’ll reimburse you the costs for replacing the remaining undamaged siding so everything matches, up to the policy’s limit.
We’ve partnered with CyberScout, the industry leader in identity and data defense, to bring you credit monitoring services. You’ll get alerted when a new credit account is opened in your name, when an account is updated or is changed, and when a company such as a financial lender or credit card institution pulls a hard inquiry on your credit. Claim your discount for credit monitoring through CyberScout today!
Add this coverage and earn a $100 credit* towards your deductible right away. And for every year you’re claim-free, we’ll add another $100 credit to your deductible, up to the policy’s limit. It’s a great way to help control what you pay for your homeowners coverage.
Get coverage for water damage caused by a leak you can’t see — within plumbing or inside household appliances. Also covers damage that results from wear and tear, deterioration, corrosion and rust.
No, but you can get the extra protection you need from the National Flood Insurance program.
Yes, as long as the pipe burst was not due to neglected maintenance.
However, with additional hidden water damage coverage, you can be protected from issues that aren’t covered in your base policy. Let’s explore how hidden water damage coverage protects you:
Note that this protection does not provide coverage for the appliance or item which caused the leak.
No, not unless you have selected the detached structures coverage. Connect with your agent to learn more about this coverage.
Bundling takes the stress out of managing multiple plans. Bundle your home and auto policies to save up to 29% on your auto coverage and 20% on your homeowners coverage. Save even more when you add a life insurance policy!*
Get a bundled insurance quote today.
If you’ve achieved your dream of purchasing a home within the past three years, you’re eligible for this discount — regardless of your home’s age.
Have you completely replaced the plumbing, electrical and heating systems in your home in the last 15 years? Then this discount is for you!
Our resource center is filled with information to help you get confident with your coverages and support you as a homeowner.
* Maximum limit of $1,000 for homeowners insurance. Maximum limit of $500 for renter insurance, condo insurance and manufactured home insurance.
Diminishing Deductible does not apply to all property deductibles.
Some coverages may not be available in your state. Available at renewal for existing policyholders. Please speak with your agent to learn more about your coverage options.
This coverage is not available in MN at this time.
