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Home coverages
Homeowners Insurance

Homeowners Insurance Coverages

From your countertops to the color of your walls, your home is uniquely yours. Shouldn’t your homeowners insurance be built just for you too? We think so.

American Family homeowners insurance covers more than just your floors, walls and ceilings. We believe that everything your home stands for is worth protecting. That’s why we provide the customized home coverage you need to protect what matters most to you.

Homeowners Insurance Coverages

From your countertops to the color of your walls, your home is uniquely yours. Shouldn’t your homeowners insurance be built just for you too? We think so.

American Family homeowners insurance covers more than just your floors, walls and ceilings. We believe that everything your home stands for is worth protecting. That’s why we provide the customized home coverage you need to protect what matters most to you.

What Does Homeowners Insurance Cover?

Our homeowners insurance policy includes different types of coverage that offer you, your home and your belongings protection from unexpected events.

What Does a Standard Homeowner's Policy Cover?

Keep in mind, you do have the option to add coverage for certain types of hazards that aren’t covered by your standard homeowner’s insurance policy.

  • Fire & Smoke
  • Tornadoes
  • Damage from weight of ice, snow or sleet
  • Leaking roofs
  • Lightning
  • Theft
  • Hail & windstorms
  • Falling objects such as rocks or trees
  • Wildfire
  • Frozen interior plumbing
  • Riots or vandalism
  • Power surges

Added Coverage, Extra Peace of Mind

Your household is made up of many moving parts, which is why we offer optional coverages for you to build a homeowners insurance policy that fits your unique needs. Here’s a small sampling of additional home insurance coverages you can add on to your policy for additional charge. For a complete list, connect with your agent and discuss the best protection options for your home.

Equipment Breakdown

If your appliances, home systems or smart home devices are damaged due to mechanical, electrical or pressure systems breakdown this coverage has your back.

Learn more about Equipment Breakdown coverage >

Sump Pump and Water Backup Coverage

Whether your basement is where you store your treasures or a finished space for entertaining, the right protection gives you peace of mind. Water backup and sump pump failure coverage is an optional add-on that can put your mind at ease.

Learn more about Sump Pump coverage >

Matching Siding Protection

Your homeowner’s policy will replace the damaged sections of siding due to a covered loss. And then if you have undamaged siding coverage, we’ll reimburse you for up to $20,000 of the costs for replacing the remaining undamaged siding so everything matches.

Learn more about Matching Siding coverage >

Credit Theft Protection & Monitoring

We’ve partnered with CyberScout, the industry leader in identity and data defense, to bring you credit monitoring services. You’ll get alerted when a new credit account is opened in your name, when an account is updated or is changed, and when a company such as a financial lender or credit card institution pulls a hard inquiry on your credit.

Learn more about Credit Monitoring >


Does Home Insurance Cover Water Damage?

Water damage is a common cause of home insurance claims, but many people aren’t exactly sure how their home insurance protects them in the event water wreaks havoc on their home.

  1. No, but you can get the extra protection you need from the National Flood Insurance program.

  2. Yes, as long as the pipe burst was not due to neglected maintenance.
  3. Yes.
  4. No, not unless you have sump pump coverage.
  5. No, not unless you have selected the detached structures coverage. Connect with your agent to learn more about this coverage.

Home and Auto Insurance Bundle

Save Money by Bundling Home & Car Insurance


Looking for ways to save on your insurance? It’s as simple as bundling your home and car coverages. In fact, on average, you could save 29% on your auto coverage and 20% on your homeowners coverage.*

Get a bundled insurance quote today.



Smart Ways to Save

Not only can having the right protection in place earn you a discount, but your other savvy choices can help you save on home insurance, too. From installing qualifying smart home devices to combining your home and auto coverage, take a look at some of the ways you could save.

Smart Home Discount

If your home is equipped with a qualifying smart device, like a RING Video Doorbell, the Frontpoint Home Security System or a Nest device, you could be in for a better rate with our proactive home protection discount.

Home Purchase Discount

If you’ve achieved your dream of purchasing a home within the past three years, you’re eligible for this discount — regardless of your home’s age.

Renovated Home Discount

Have you completely replaced the plumbing, electrical and heating systems in your home in the last 15 years? Then this discount is for you!

See All Discounts >

Got Questions? We’ve Got Answers.

Our resource center is filled with informative to help you get confident with your coverages and support you as a homeowner.

What Can We Help You With?