Compare Coverage Options

Compare Homeowners Insurance Coverages

Choosing homeowners insurance with American Family means you have the freedom to build a policy that’s best for you and your family. Our comparison chart makes it simple to compare your home insurance package options.

  • COVERAGE FOR YOUR HOME

    Dwelling — Coverage A
    Pays to rebuild or repair your home if it’s damaged by an unexpected event. Think roof, walls, floor, siding and windows.
  • COVERAGE FOR OTHER STRUCTURES

    Other Structures — Coverage B
    Pays for damage to other, detached structures on your property such as garages, gazebos, sheds and fences, that are 300 square feet or larger.
  • COVERAGE FOR YOUR THINGS

    Personal Property — Coverage C
    Covers your personal belongings, including furniture, clothing and appliances, if they’re stolen, damaged or destroyed.
  • COVERAGE FOR LIVING EXPENSES

    Loss of Use — Coverage D
    Pays for additional living expenses if your home is uninhabitable due to a covered event.
  • COVERAGE WHEN ACCIDENTS HAPPEN

    Personal Liability — Coverage E
    Protects you against financial loss if you’re sued and found legally responsible for someone else’s injury or property damage.
  • COVERAGE FOR MEDICAL EXPENSES

    Medical Expenses — Coverage F
    Covers medical payments to others, injured on or off your property, regardless of your legal responsibilities.
  • Jewelry, Gemstones, Watches and Furs Coverage
    If the total value of these items is more than the limit in your policy, you can add additional coverage by increasing your total coverage limit or itemizing specific items. You’ll also have coverage for a broader range of losses.
  • Identity Fraud Expense Coverage
    Helps protect you from the high costs related to restoring your identity.
  • Personal Injury Coverage
    Covers thing like libel and/or slander; false arrest, detention or imprisonment; malicious prosecution; wrongful eviction or wrongful entry; associated legal costs.
  • Equipment Breakdown Coverage
    Offers protection should your appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems breakdown. A $500 deductible applies versus your homeowners policy deductible.
  • Service Line Coverage
    Helps pay for the cost to repair or replace damaged service lines.
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Wondering What Additional Coverage Options are Right for Your Home?

Use our quick and easy personalized coverage assistant tool to help you decide what optional coverages are right for your home.

Go To Assistant >

Wondering What Additional Coverage Options are Right for Your Home?

Use our quick and easy personalized coverage assistant tool to help you decide what optional coverages are right for your home.

Go To Assistant >

Get a Homeowners Insurance Quote

*A number of factors can affect the value of your home, such as location, style of the home, quality of materials used and added features like solar panels. Your agent will help you determine an adequate amount of coverage customized to your home.

** $5,000 coverage included in policy for fences, driveways, sidewalks, retaining walls and small structures. Many detached structures, like garages, pools and sheds, may require a higher level of coverage.