Homeowners FAQs
  1. Just look at your neighbor - no two homeowners are alike! That’s why we offer a variety of unique ways to protect your home. From property damage to personal liability, we work with you to build a policy that’s customized for you and your growing dreams. Here are just a few examples of the protection we offer — but your American Family agent can help you explore all your options!

    • Your homeowners policy helps cover property damage from fire, lighting, windstorms, hail, explosions, smoke, vandalism and theft. And if you can’t live in your home, we’ll help cover temporary housing expenses while it’s being repaired.

    • Personal property coverage protects your most valuable possessions inside your home – iPads, laptops, TVs, jewelry, artwork, collectibles, tools, firearms, etc.

    • Need other ways to protect your dreams? For an additional fee, you can add these coverages to your policy for additional peace of mind.

    • Personal property replacement replaces your destroyed or damaged items with no deduction for depreciation.

    • Personal injury coverage protects you from liability for certain personal injury claims such as libel or slander.

  2. Great question. It’s important to have enough protection to cover the costs of rebuilding your home and replacing your possessions in the event of the unexpected. The value of your personal property can add up quickly! To get an idea of everything you own, use our free DreamVault app to create a room-by-room inventory.
  3. You bet. If you think you might need additional coverage due to any home improvements, or maybe the purchase of something valuable, like a new home theater, just let us know. We’ll help make sure you have the right amount of coverage at all times.
  4. Because homeowners insurance is different for each person, and involves such important details, we’ll work directly with you to make sure you get the customized quote you need to make a smart decision. Get your quote started today by calling 1-800-MYAMFAM or getting in touch with your local agent.
  5. You can get the process started online, but because your homeowners policy is built just for you, it takes some direct conversations to put it all together. That’s why it’s important to work directly with a local agent to purchase your policy.
  6. Your policy should begin the day you purchase/close on your home. Oh, and congrats on being a new homeowner – so exciting!
  7. If you’re growing your entrepreneurial dreams from your home, our home office coverage can give you added liability and personal property protection. Your agent can help you add this coverage to your policy – just ask!
  8. No problem – we’ve got your back! Coverage is provided for this kind of problem. However, keep in mind that it’s your responsibility to maintain your heat and water supply.

  9. Yes! Coverage is provided for vandalism too.
  10. Liability coverage can help protect you against the unexpected, like injuries on your property. Talk to your agent about the added protection and peace of mind liability coverage and medical expense coverage can give you.
  11. Yep! If you’re forced out of your home due to a covered loss, your American Family homeowners insurance may help pay for additional living expenses – such as a hotel – while repairs are being made.
  12. While we can’t insure the trees themselves, we can provide coverage to have the trees removed in order to repair or replace any damaged property.

  13. Yes, we will pay any reasonable expenses you have when removing debris from your yard – as long as the debris came from a storm, fire or incident that was covered by your policy.
  14. It’s one of the smartest things you can do! A home inventory will help you and your agent determine how much coverage you actually need. And we have the tools to help. Use our free DreamVault app to create a room-by-room inventory of your valuable stuff – it’s fun, we promise!
  15. You decide. As the homeowner, you get to select the insurer and the coverage that’s right for you, as long as your coverage meets the minimum requirements set by the mortgage company.

  16. Unfortunately, no. (Sorry, roomie!)  Because they’re not insured under your homeowners policy they do not get the property or liability coverage that you do. They’ll need to purchase their own coverage to protect their stuff. We can help them with that, though!
  17. When the unexpected happens, you can count on us to be by your side, ready to help get things back to normal. It’s what we do best! If your property is damaged, use our 4-step process to get your claim moving quickly. Here are some other things to keep in mind:

    • To protect your property from further damage, make any reasonable repairs and keep records of the cost of those repairs.
    •  To help make the claims process more efficient, it helps to have a detailed list of your property items that were damaged, including quantities, date and place of purchase, original cost, current value and the amount of loss claimed.

    • If any of your belongings are stolen, you should call the police right away. The police report will come in handy when making a claim.
    • And as always, reach out to us with any questions or concerns at 1-800-MYAMFAM. We’ll guide you through the entire process!

  18. From installing qualifying smart devices to combining your home and auto coverage – your smart habits can save you money. Take a look at some of the ways you could save here.
  19. Everything can change in an instant if a guest in your home is injured and you’re held responsible. Umbrella liability insurance gives you an extra layer of coverage to protect your hard-earned dreams – now and in the future. Have more questions about umbrella liability insurance? Your American Family agent is ready to help. 
  20. If your home is an area of the country where earthquakes have been known to occur; earthquake coverage is definitely an available option to add to your policy.
  21. Unfortunately no, but your agent can help you find the answers you need through the National Flood Insurance Program and help you choose a special add-on policy.
  22. Good question! As long as your in-home business is listed on your homeowners insurance policy, it could be partially covered. But, depending on the size and type of your business, the coverage you get from your homeowners policy may not be quite enough. Your American Family agent can walk you through your current coverage and help you decide what added coverage would best protect your unique business dream.
  23. Accidents happen at home, and as the owner of that home, you can be held liable. Personal liability coverage helps protect everything you’ve worked so hard for.
  24. There are a several factors that can impact your premiums. Your local agent can help explain which ones matter to you!
  25. We’re always on the lookout for ways to make your life easier. That’s why we offer several ways to pay your bill:

    • Online Billing - Receive your bills online and set up your payments however you like. Enroll now
    • Automated Funds Transfer (AFT) - Payments are automatically deducted from your checking or savings account. A bill is sent only when changes are made to your billing account. Contact your agent for set-up assistance. Learn more

    • Pay Now – Make a one-time payment online. Learn more

    • Pay by Phone – Call 1-866-424-8002 to pay using our automated phone system.

    • Online Bank or Bill Payer Service – Set up electronic payments through an online bank or bill payer service. Learn more

    • Pay by Mail - Mail your payment using the detachable payment stub on your bill. Learn more

  26. We LOVE pets – they are part of the family! However, having personal property coverage alone won’t cover Fido – or your cats, birds or fish. Instead, we offer a special add-on pet coverage. It can provide up to $1000 for veterinarian or burial expenses for your dog, cat, fish or bird as a result of a covered loss. Additionally, keep in mind that the personal liability coverage limit applies to animals as well. A $25,000 limit applies to dangerous dogs and exotic animals. Your American Family agent can share all the details and help you plan protection for your friends. Some restrictions apply. Coverages may vary by state, property policy form and company underwriting the homeowners policy.