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. However, each policy has a limit on this coverage. Talk to your agent about adding scheduled property coverage to pick up where this coverage leaves off — it’s a great idea if you have valuable jewelry or collectibles.
  2. Your included liability coverage helps to cover costs you may incur should someone accidentally get hurt on your property.

    For an additional premium, you can add personal injury coverage to your policy. This coverage protects you from liability for certain personal injury claims such as libel or slander, which can result in law suits.

  3. 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.
  4. 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 no matter how your dreams change and grow.
  5. 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 agent.
  6. There are a bunch of different discounts available, and your agent would be happy to check which ones you might qualify for!
  7. 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 an agent to purchase your policy — they'll make sure your unique dreams are protected.

  8. Your policy should begin the day you purchase/close on your home. Oh, and congrats on being a new homeowner – so exciting!
  9. If you’re growing your entrepreneurial dreams from your home, our home office coverage can give you additional limited liability protection for your small-scale home based business. Your agent can help you add this coverage to your policy — just ask!
  10. 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.

  11. Yes! Coverage is provided for vandalism too.
  12. Liability coverage can help protect you against the unexpected, like injuries on your property. Talk to your agent about the peace of mind added liability coverage can give you. Don't think that coverage is enough? Ask about how adding umbrella insurance to your home could benefit you.
  13. 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.
  14. While we can’t insure the trees themselves from windstorm damage, we do provide coverage to have the trees removed when necessary to repair or replace damaged property. We do cover trees for damage caused by fire, vehicles or vandalism.

  15. 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.
  16. 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!
  17. 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.

  18. 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!
  19. 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!

  20. 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.
  21. Everything can change in an instant if a guest in your home is injured and you’re held responsible. And although the liability coverage provided in your homeowners policy can help with those costs, 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 and if you should add it to your policy? Your American Family agent is ready to help.

  22. If your home is an area of the country where earthquakes have been known to occur, earthquake coverage is an available option to add to your policy. Talk to your agent to learn more.
  23. 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.
  24. Good question! Not all business types are eligible. But, as long as your in-home business is listed on your homeowners insurance policy, it could be partially covered.

    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 help you decide if a homeowners or business policy is best for you.

  25. Accidents happen, and if you’re involved you can be held liable. Personal liability coverage helps protect everything you’ve worked so hard for.

  26. There are a several factors that can impact your premiums. Your agent can help explain which ones matter to you!
  27. 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.

    Not to mention, you could save on your policy if you take advantage of our AutoPay, Full Pay and Paperless Discounts!

  28. 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 final 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 also applies to injury and damages animals cause.

    Your American Family agent can share all the details and help you plan protection for your friends.

  29. While most breeds won’t impact your eligibility for coverage, there are some breeds that require additional considerations, such as prior liability losses and bite history. Depending on the breed, you must also provide certain documentation to be considered eligible, like up-to-date annual vaccines and proof that your dog has been spayed or neutered. An American Family Insurance agent can help you determine the specific requirements for insurability based on the breed of your dog.

  30. In most cases, your home, renters or condo policy includes some liability coverage for instances where your dog injures someone. However, not all dogs will meet the criteria to be included under your policy. Your agent would be happy to check if your dog is eligible and explain the limits of the liability coverage.