Close Close

Please Select Your Location

American Family Insurance currently serves 18 states; however, not all products are available in all states.
Please select your location below to view the products American Family Insurance offers in your area.

Please select a state below.

Billing FAQs - Online Billing

Please use the questions and answers below to help guide you through American Family Insurance Online Billing.

The questions are categorized by topic:

Registration

Expand All

  • What policies can I pay with Online Billing?

    • The following policies can be paid online:

        •  Auto
        •  Boat
        •  Camper/Trailer
        •  Condominium
        •  Homeowners
        •  Mobile/Manufactured Home

      •  Motor Home
      •  Motorcycle
      •  Renters
      •  Snowmobile
      •  Umbrella
      And also for these business policies:

      •  Business Auto
      •  Business Key Package
      •  Businessowners
      •  Commercial Property
      •  Commercial Umbrella
      •  Contractors Package
      •  Crime

      •  Employee Benefits Liability
      •  Farm & Ranch
      •  General Liability
      •  Inland Marine
      •  Liquor Liability
      •  Non-Profit Directors and Officers Liability
      •  Workers Compensation
  • How do I register for Online Billing through American Family Insurance?

    • You can register for Online Billing after enrolling in My Account. The process takes less than five minutes. You will need your most recent insurance bill with your account number and only one policy number. The policy number helps verify that the account is valid.

  • Do I have to enter registration information each time I login?

    • Registration information is only entered the first time an account is set up on Online Billing. After that, you can access Online Billing from the My Account Overview page, by entering your user ID and password. Then, click “Go to Online Billing.”

  • Is the Online Billing system available in Spanish?

    • Not at this time. However, you may contact your agent to receive your bills in Spanish.

  • Will I still receive paper bills?

    • Paper bills will not be mailed once you are registered for Online Billing. You will receive an email notifying you that your bill can be viewed on our Web site at www.amfam.com.

      In place of receiving a paper bill, you can now print a copy of your bill. After registering for Online Billing, click “Billing Account Summary” on the left navigation bar to display the Billing Account Summary page. Click “View Bill” under the Quick Links column for the billing account you would like to view. Select the Print icon on your toolbar to print a copy of your bill.

  • Can I pay my current paper bill I received via the U.S. Mail online?

    • Your current paper bill can be paid through Online Billing.

  • Do I have to set up a checking/savings account for payment when I register?

    • You may wait to set up a payment method until you pay your bill.

back to top

Email Preferences

Expand All

  • What are email preferences?

    • Email preferences are optional emails you can elect to receive.

      •  Due Date Reminder - If you have not already scheduled a payment, this optional email reminds you that your payment is due in a certain number of days. You can choose to receive the reminder from 1 – 7 days before the account due date.

  • My email has changed. What will happen if I do not change it before my next bill is available?

    • If your email has changed and you haven’t updated it, you won’t receive any emails from American Family Insurance about your billing account(s). However, you are still responsible for paying at least the minimum amount due on your account. Regardless of whether you receive a bill online or any email reminders, payments must be received by the specified due date to prevent any interruption in coverage.

      If you do not receive regular monthly emails from American Family Insurance, we suggest that you login to My Account to check the status of your account. Please verify that your email is correct on the Profile page. You can edit your email under the Contact Information section.

  • I am not receiving emails from American Family Insurance. Why not?

    • It could be because your Internet Service Provider (ISP) or email provider is mistakenly filtering American Family Insurance email as “spam.” The amount of unsolicited emails or “spam” that we all receive continues to grow. As a result, more ISPs and email providers are using filtering systems to keep these unwanted emails out of customers' inboxes. These filtering systems sometimes mistakenly block emails that you have requested to receive. In many cases, neither you nor the sender is notified that the email was not delivered.

      To make sure our emails are not filtered into your “junk” or “bulk” email folders, please add the following email addresses to your list of trusted senders or to your address book:

      American_Family_Web@amfam.com
      Customer_Care_Center@amfam.com

      If your ISP needs the domain from which we are emailing, it's amfam.com. You can also ask your ISP to “whitelist” American Family Insurance. A whitelist is a list of electronic addresses to which an anti-spam filter will not be applied.

      If you are still unable to receive our emails, please contact your ISP or email service provider for additional assistance.

back to top

Registering or Unregistering an Account

Expand All

back to top

Account Information

Expand All

back to top

Payments

Expand All

  • How do I pay my bill?

    • Login to My Account, then select the Online Billing tab near the top of your page. Choose an account number and click “Pay This Account” on the Billing Account Summary page. You can also select “Make a Payment” on the left navigation bar and click “Pay This Account.” Either of these choices will take you to the Enter Payment Information page where you can choose your payment amount, method of payment and date your payment will be made.

  • Is every payment I make displayed on the Web site?

    • All successful, deleted, returned or currently scheduled Online Billing payments that have been made since your most recent bill are shown on the Make a Payment page.

  • Where can I see a history of Online Billing payments I have scheduled?

    • After scheduling a payment, you can view its details on the View/Edit Payments page. This page contains all of the payments that have been made in the last six months through Online Billing that were successful, deleted, returned or are currently scheduled.

  • Can I select a different payment amount each time I pay?

    • Each time you pay your bill you can make the minimum payment, optional payment, full payment or other amount. These options may vary depending upon where you are in the billing cycle.

  • Can I use a debit/credit card to pay my bill?

    • Not at this time. However, future enhancements will allow you to make debit/credit card payments for any amount. Until then, you can make payments using MasterCard and Visa debit and credit cards through Pay Now on amfam.com or Pay by Phone at 1-866-424-8002.

  • Can I pay less than the minimum payment shown on the bill?

    • Any amount less than the minimum payment shown on the bill will not be accepted online. If you miss a due date and receive a bill for two months’ premium, the two months’ premium is the only amount that will be accepted online.

  • What is an optional payment?

    • It is the minimum amount due plus two additional months of premium. An optional payment may not always be available based upon where you are in the billing cycle.

  • What is a full payment?

    • It is the total amount due for an account at the time the bill is generated. Online Billing will only accept payments up to $50.00 over the full payment amount shown on the bill.

  • Can I make changes to a payment once a payment is scheduled to be made?

    • If you wish to make changes to a scheduled payment, select “View/Edit Payments” on the left navigation bar and click “Edit” under the Quick Links column.

  • What will happen if my payment is deducted from my checking/savings account, but my account does not have sufficient funds?

    • Your financial institution may choose to return the item and/or charge you a non-sufficient funds (NSF) fee. If the item is returned to us, we will reverse any credit given for the payment, charge a returned bank item (RBI) fee, and assess any other applicable fees or charges. In addition, you are still responsible for paying the minimum amount due on your account. Payments must be received by the specified due date to prevent any interruption in coverage.

back to top

Payment Methods

Expand All

  • What can I use to pay my bill?

    • A U.S. Checking/Savings account can be used to pay your bill online. Payments must be made in U.S. dollars.

  • Do I have to pay my bill the same day I view it?

    • You may choose any date to pay your bill, from the time you receive an email stating your bill is available to view, up to the due date of your payment. If you wish to schedule a payment, select “Make a Payment” on the left navigation bar and click “Pay This Account” under the Quick Links column.

  • What is a scheduled payment?

    • It is the amount you have selected to be paid on a certain date using one of your payment methods (e.g., your checking/savings account).

  • Can I change or cancel a payment I scheduled to be made?

    • If you wish to change or cancel a scheduled payment, select “View/Edit Payments” on the left navigation bar. Under the Quick Links column, click “Edit” or “Delete” next to the scheduled payment you would like to change or cancel.

  • How do I revise my checking/savings account payment method?

    • If you wish to revise your checking/savings account payment method, select “View/Edit Payment Methods” on the left navigation bar. Under the Quick Links column, click “Edit” next to the payment method you would like to revise.

  • Can I delete a payment method? If so, how?

    • You can delete a payment method. To do so, select “View/Edit Payment Methods” on the left navigation bar. Under the Quick Links column, click “Delete” next to the payment method you would like to delete. You will be asked if you want to delete the payment method, resulting in any scheduled payments to also be deleted and not applied to your account. Click “Delete Payment Method” to delete the payment method.

  • What is a Checking/Savings Account Authorization Agreement?

    • This is an agreement you ‘sign’ using your My Account password while setting up your checking/savings account as a payment method. The agreement authorizes American Family Insurance to electronically deduct a payment from your checking/savings account.

back to top

Automatic Payments

Expand All

  • What are automatic payments and how do they work?

    • Automatic payments allow you to pay your premium each month without the need to select a payment method or amount every time. For example, if your minimum payment is $50.00 each month, you could set up automatic payments to pay the minimum payment each month from your checking account. If an automatic payment is set up after an online bill has been generated, it won’t take effect until your next bill. You must pay your current online bill using either the Make a Payment or Billing Account Summary pages.

  • What happens if the amount due changes?

    • If the amount due changes from one month to the next, you will receive an email telling you the new amount that is scheduled to be made. However, your next automatic payment(s) will still proceed at the new amount.

      Even if you set up automatic payments, we suggest that you regularly log in to Online Billing to check the status of your account. Please verify that your email is correct on the Profile page. We also suggest that you regularly take appropriate action to make sure your email box is not full so you may receive emails we send.

      We recommend you regularly check the View/Edit Payments page to verify the exact amount and due date of your next scheduled automatic payment and make any adjustments, if needed. If an insurance coverage change is made after your online bill has already been generated for the month, you should pay at least the minimum amount due that is shown on your online bill to keep your coverage in force. The balance of any extra amount due or any credit/refund amount will be reflected on the following month’s online bill.

  • Can I make changes to an automatic payment once a payment has been scheduled to be made?

    • If you wish to change the amount or date of your scheduled automatic payment, select “View/Edit Payments” on the left navigation bar. Click “Edit” under the Quick Links column for the billing account that you would like to change. Only your scheduled payment amount, payment method and/or payment date can be modified. Your automatic payment process will continue.

  • Can I change or cancel the automatic payment option once a payment has been scheduled to be made?

    • You can change or cancel the automatic payment option by clicking either “Edit” or “Stop” under the Quick Links column on the Automatic Payments page. If a payment was scheduled prior to the change or cancellation of the automatic payment option, the scheduled payment will be made unless you change or cancel it. Go to the View/Edit Payments page and click “Edit” or “Delete” under the Quick Links column to change or cancel your next scheduled payment.

back to top

Billing Notices

Expand All

back to top

Fees

Expand All

  • What is an Administration Fee?

    • It is a monthly fee, which varies by state, and is charged whenever less than the full payment is made. This fee is not charged to Online Billing customers and does not apply to Missouri customers.

  • What is a Premium Installment Charge?

    • A monthly charge that applies to customers in the state of Missouri only. Similar to the Administration Fee, it is charged whenever less than the full payment is made. This charge does not apply to Online Billing customers.

  • What is a Handling Fee?

    • It is a fee, which varies by state, and is charged when the minimum payment is not received by the due date. This fee applies to Online Billing customers.

  • What is a Returned Bank Item Fee?

    • It is a fee charged by American Family Insurance when your financial institution does not honor your check or electronic payment. This fee applies to Online Billing customers.

Please note a monthly Administration Fee is charged whenever paying less than the full payment and may vary by state. However, this fee is waived when paying your bill using Automated Funds Transfer (AFT) or Online Billing. A service fee is not charged to pay your bill over the phone or online.

back to top