American Family Renters Insurance Review: Pros & Cons, Pricing, and Features

Studenomics Score:  4 Out of 5 Stars

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Who is American Family Insurance?

How Does American Family Renters Insurance Work?

That image shows that American Family Renters Insurance is willing to take the time to explain what renters insurance covers and doesn't cover. This is important because when you're looking for a renter's insurance policy, you may not know what to expect and what you're getting for your insurance premium.

Is American Family Renters Insurance Good? 

We’re going to look at the financials and the actual prices of quotes. For now, we can safely say that American Family Renters Insurance is good and deserves a look.

This one line on the official website stuck out to us:

“Life is unpredictable -- dreams can be sidetracked in many different ways. But you can count on us to have your back and help get things back to normal.”

Is American Family Renters Insurance legit?

We aim to discover if a renters insurance company is legit when we cover them. We look at the pricing, customer service, policy options, and the financials of the company.

Let’s take a look at their finances and what the reviews say to see if they can back that claim up that they offer convenient renter's insurance at a fair rate.

It wouldn’t be fair to write a American Famly Renters Insurance review without looking through a few quotes to see what the coverage is like in a few states.

We always go through the process of obtaining a quote so that you know what it’s like and what the pricing is like. 

How Much Is American Family Renters Insurance?

When going over the official American Family Renters Insurance, we noticed that they mention a policy roughly goes for $15/month.

We wanted to go through official quotes to get some real life examples for you.

American Family Renters Insurance Quotes.

We're going to share American Family Renters Insurance quotes in this section. We always try to find quotes from a few states just to get you a rough range. 

The good news is that American Family helps you figure out exactly how much coverage you need. This helpful calculator below helps you determine EXACTLY how much coverage you need so that you don't have too much or not enough coverage.

As you can see, you can find out exactly how much personal property coverage you need with your renter's insurance plan.

Is American Family Renters Insurance Cost Worth It?

In looking for American Family Renters Insurance quotes, we discovered that there are many ways in which you save money. Here are a few options for discounts:

• Auto pay.
• Bundle and save.
• Smart home discount.

With that being said, is American Family Renters Insurance worth it?

We have to say that it is. You can customize your policy, earn discounts, and have the proper protection for yourself and your belongings.

It’s also helpful to work with a company that explains the entire process for you so that you know what you’re getting into with your renters insurance plan.

Can I Bundle My Renters Insurance American Family With My Auto Insurance?

The good news is that American Family encourages insurance bundling. The official website claims that you could save 29% on your auto coverage and 15% on your renters insurance coverage.

We looked through Glassdoor, BBB, and Reddit to see what regular people had to say about American Family Insurance. In our experience, these are the best indicators of how a company actually operates. 

We scored a 4 here because we found many complaints about American Family Insurance on the BBB website. The company had 227 complaints and we couldn't score a perfect 5.

This person brought up an interesting point about customer complaints. It's always easier to find negative comments compared to praise since most people just expect their insurance policy to be there for them when they need it.

Notable Quote From The Simple Dollar about American Family Insurance:

"American Family stands out from competitors in a few areas. For example, its 24/7 claims support service helps ensure you’re never left stressing over your belongings or claims details on your own. American Family also offers the MyAmFam app, which helps customers keep track of their premiums, file claims, manage their policy details and more."

How Do You File a American Family Renters Insurance Claim?

What Isn’t Covered By My American Family Renter's Insurance Policy?

Now that you know what’s covered with your American Family Renters Insurance policy, it’s important to look at what’s not covered so that you can be prepared just in case.

Here are items that may not be covered with your American Family Renters Insurance:

• Your pets.
• Any business that you run out of your property.
• Identity theft.
• Jewelry over a certain amount.

The image below captures exactly what additional levels of coverage you can purchase.

Can I Add My Roommate?

Do you have roommate who you want to add to your renter’s insurance policy?

Here’s the official word from the American Family Renters Insurance page:

“Because they're not insured under your renters 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!”

We always look at the financial strength of a renter's insurance company because we want to ensure that they're going to be able to meet their obligations. We also don't want you to be stuck with a company that won't be able to cover future insurance claims.

American Family Renters Insurance scored an A.M Best score of A+ so we gave them a 5 here for financial strength. The score indicates that American Family is a strong company with the financial resources to cover claims.

Pros and Cons of American Family Renters Insurance?

There's no such thing as the perfect renter's insurance policy as you may have discovered by now.

For example,  while American Family is known for 24/7 phone support, the company also doesn't offer renters insurance in every state. 

What are the pros and cons of American Family Renters Insurance?

Those are the pros and cons that we want you to think about before deciding to use American Family Renters Insurance.

Does American Family Offer Insurance In My State?

When we looked for American Family Renters Insurance quotes, we discovered that they don’t offer insurance in every state.

The good news is that American Family Renters Insurance has partnered with other insurance companies.

You can also check the best renters insurance rates by state using the map below.

How can you cancel?

Let's say that your situation changes and you need to cancel your AAA home Renters Insurance. How do you go about doing this?

You have to call 1-800-MYFAMAM to speak with your agent about the situation.

We suggest that you find a new renter's insurance policy before you cancel one because you don't want to go too long without coverage.

Final thoughts on American Family Renters Insurance...

That’s our review of American Family Renters Insurance. We found the website to be very helpful in how they explained everything about renter's insurance so that you're not confused. 

We would like if the company offered renter's insurance policies in more states though. We believe that you have enough information in here to decide if you should use American Family Renters Insurance to protect you and your belongings.