Jeffrey Wade
American Family Insurance, also known as Am Fam, is a trusted insurance provider in 19 states. The company offers insurance policies for auto, home, and life, with discounts available for customers who bundle multiple policies together. Am Fam also has an app, MyAmFam, which allows users to view their insurance policies, set up and manage payments, access proof of insurance, and more.
| Characteristics | Values |
|---|---|
| Number of States Served | 19 |
| Services | Auto, Home, Life, Umbrella Insurance |
| Discounts | Multi-Product, Auto Pay, Paperless, DriveMyWay |
| Discounts Range | Up to 43% |
| App Features | View Insurance Policies, Set Up and Manage Payments, Manage Policy Details, Claims and Accident Support |
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What You'll Learn
Home insurance
American Family Mutual Insurance Company, also known as AmFam, offers home insurance as part of its product portfolio. The company was founded in 1927 by insurance salesman Herman Wittwer, initially offering auto insurance targeted at farmers. Over the years, AmFam expanded its offerings to include homeowners insurance, life insurance, commercial insurance, health insurance, and more.
AmFam's home insurance provides coverage for damage to your home and attached structures caused by fire, windstorms, hail, lightning, theft, and vandalism. It also covers detached buildings on your property, such as garages, gazebos, sheds, swimming pools, and fences. Additionally, your belongings inside and outside your home are protected if they are damaged or destroyed by a covered event.
AmFam's home insurance also includes Loss of Use Coverage, which helps pay for additional living expenses if your home becomes uninhabitable due to a covered incident. This can include costs for a hotel and food. Their liability coverage protects you from claims and lawsuits if someone is accidentally injured on your property, up to your policy limit.
You can also add optional coverage for added protection, such as reimbursement for replacing undamaged sections of siding to ensure everything matches after a covered loss. AmFam offers a Diminishing Deductible feature, which credits your deductible by $100 each year, helping to control the cost of your homeowners coverage.
AmFam provides free insurance quotes and allows you to customize your coverage options. You can also bundle your home and auto insurance policies, potentially saving up to 40% on both.
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Auto insurance
American Family Insurance, also known as AmFam, offers a range of insurance products, including auto insurance. The company was founded in 1927 as Farmers Mutual Automobile Insurance Company, and its initial focus was on auto insurance for farmers. Over time, AmFam expanded its offerings to include various other types of insurance, such as homeowners, life, health, and commercial insurance.
AmFam's auto insurance covers both personal and business vehicles. The company provides insurance for cars, motorcycles, boats, and motorhomes, among other vehicle types. They also offer a range of discounts and incentives for their customers. For example, customers who bundle their home, auto, and life policies can save up to 43% on their home and auto policies. Other discounts include Multiproduct, Auto Pay, Paperless, and DriveMyWay. It's important to note that discounts may vary by state, property, policy form, and underwriting company, and they may not apply to all coverages.
AmFam also has a program called "Teen Safe Driver Program," which aims to improve teen driving safety. This program uses a video feedback system, allowing parents to monitor their teens' driving behaviour. The program has been scientifically validated and shown to reduce risky driving behaviour by up to 70%.
In addition to insurance, AmFam offers a reward system called "Dreamkeep Rewards." This program provides incentives for customers to complete various online tasks and earn rewards. AmFam also encourages its customers to dream fearlessly through its ongoing campaign with the same name. The campaign promotes initiatives in social justice, women in tech, and economic empowerment.
Overall, AmFam's auto insurance provides comprehensive coverage for personal and business vehicles, along with additional benefits and discounts. The company has a long history in the insurance industry and has received recognition for its contributions to driving safety and inclusivity.
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Life insurance
American Family Mutual Insurance Company, also known as AmFam, offers a range of life insurance products to meet the diverse needs of its customers. The company's life insurance options include term life insurance, whole life insurance, and flexible life insurance. Each type of insurance has unique features and benefits to cater to different life stages and financial goals.
Term life insurance provided by AmFam offers coverage for a specific period, typically ranging from 10 to 30 years. This type of insurance boasts lower premiums compared to whole life insurance and provides financial protection for your family during those crucial years. AmFam's term life insurance also includes optional riders, such as the Children's Insurance Benefit Rider, which provides term life coverage for eligible children. Additionally, the Premium Waiver rider offers added protection by waiving premiums if the policyholder becomes totally disabled.
Whole life insurance, on the other hand, provides lifelong coverage with fixed premiums. AmFam's DreamSecure Whole Life Insurance ensures permanent coverage until the age of 100, with guaranteed level premiums. This type of insurance accumulates cash value over time and offers living benefits. It also includes optional riders, such as the Guaranteed Purchase Option Benefit Rider, allowing policyholders to purchase additional coverage at specific life stages without undergoing medical examinations.
AmFam also offers flexible life insurance, which adapts to changing life circumstances. This type of insurance builds cash value and can be customized to fit your evolving needs, providing more control over your coverage.
It is important to note that AmFam's life insurance policies do not offer discounts, and the coverage may vary by state. The company encourages individuals to work directly with their licensed agents to determine the most suitable policy for their specific circumstances and to utilize their online tools, such as the life insurance calculator, to estimate coverage amounts and premium rates.
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Discounts
American Family Insurance offers a range of discounts to its customers, providing opportunities for significant savings on insurance policies. One of the most prominent ways to save is through policy bundling. Customers who bundle their home, auto, and life insurance policies can save up to 43% on their home and auto policies, as of June 2025. This multiproduct discount is a notable advantage for those seeking comprehensive coverage across different aspects of their lives.
In addition to the multiproduct discount, American Family Insurance offers several other ways to save. The company provides discounts for customers who set up automatic payments, known as Auto Pay, and for those who opt for paperless billing. These discounts streamline the payment process and reduce administrative costs associated with paper billing.
The insurance provider also introduces innovative programs like DriveMyWay, which offers discounts based on driving behaviour. By tracking driving habits through the MyAmFam app, customers can receive personalized rates and save on their auto insurance. The app provides convenient access to insurance information, allowing users to view their policies, manage payments, and request changes to their contact information or policy details.
American Family Insurance is committed to making insurance more accessible and affordable for its customers. The company's range of discounts, from multiproduct savings to behaviour-based programs like DriveMyWay, empowers individuals to make the most of their insurance choices. It is important to note that discounts may vary by state, property, policy form, and underwriting company, and specific details should be confirmed with American Family Insurance directly.
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App
American Family Insurance offers an app called MyAmFam, which is available on the App Store and Google Play. The app provides easy access to all your account details in one place, allowing you to view your insurance policies, set up and manage payments, and access proof of insurance. With MyAmFam, you can also manage your policy details, view coverage information, and save your auto insurance ID card to your device.
One of the key features of the MyAmFam app is its convenience in handling payments. Users can schedule payments securely within the app, receive in-app payment reminders, and view their upcoming payment schedule. This helps ensure that bills are paid on time and provides a seamless payment experience.
The app also offers claims and accident support. Users can easily file a claim, check its status, and request roadside assistance if needed. This feature provides peace of mind and assistance during unexpected events or emergencies.
MyAmFam allows users to manage their insurance information efficiently. It enables users to request changes to their contact details, make policy changes, and manage communication preferences. Additionally, users can get in touch with their insurance agent directly through the app, making it a convenient tool for staying connected with their insurance provider.
While the app offers a range of features, some users have reported issues with account access and password reset processes. It is important for American Family Insurance to address these concerns to ensure a seamless user experience and maintain customer satisfaction. Overall, the MyAmFam app provides a convenient way for American Family Insurance customers to manage their policies, payments, and insurance information on the go.
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Frequently asked questions
Am Fam Insurance, or American Family Insurance, is an insurance provider that offers policies for homes, automobiles, and life insurance.
Am Fam Insurance offers a range of benefits, including easy access to account details, proof of insurance, and auto insurance quotes through its MyAmFam app. Customers can also save money by bundling multiple policies together and taking advantage of various discounts.
You can get a free quote for Am Fam Insurance by using their CONNECT service, which offers affordable insurance options for home and auto policies.
