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.
Insurance with us means having the option to customize your coverage to fit your needs. Any coverage not included in economy or traditional packages may be purchased separately, and you always have the option to increase your limits for specific coverages.
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You have the option to purchase umbrella coverage, which offers a higher level of liability coverage that goes above your standard policy limits.
We'll cover up to $2,000 per item in this category, with a cap of $5,000 for all items.
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. Make sure to take these into account when choosing a dwelling coverage limit.
$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.
Replacement cost value (RCV) — what it'd cost to replace your property with new property of the same type, kind and quality, without deducting for depreciation.
Actual cash value (ACV) — what it'd cost to buy your property new today, subtracting depreciation for factors such as age, condition and obsolescence. Replacement cost value (RCV) — what it'd cost to replace your property with new property of the same type, kind and quality, without deducting for depreciation.