American Family
- Low rate of consumer complaints.
- Informative and user-friendly website.
- Option to have your deductible go down each year.
- Not available in all states.
About American Family renters insurance
American Family renters insurance earned 4.4 out of 5 stars, thanks to good coverage and user-friendly features. The company has lots of ways to customize your renters policy. For example, you can add coverage for identity fraud or valuable jewelry. But while American Family offers many potential discounts, its rates are above the national average.
Best for: People looking for reliable renters insurance with the option to save on their deductible.
Not ideal for: Those in the many states where American Family doesn’t sell insurance.
Where American Family stands out
Consumer complaints. American Family draws a low rate of complaints to state agencies. This fact suggests that most policyholders are happy with their coverage.
Detailed website. The company's wealth of information makes it easy to learn about coverage options.
Diminishing deductible. American Family's diminishing deductible feature could save you money after a claim.
Where American Family falls short
Availability. American Family doesn’t sell renters insurance in all 50 states.
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What American Family renters insurance covers
Landlords sometimes require tenants to buy a policy with a minimum amount of liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:
- Personal property
Personal property coverage can replace belongings such as furniture and electronics if they're stolen or damaged.
- Personal liability
Renters liability insurance pays out if you're responsible for injuring other people or damaging their property.
- Loss of use
Loss of use coverage pays for hotel stays, meals or other expenses if you have to live elsewhere while your home is repaired.
- Medical payments
Medical payments coverage pays to treat injuries to other people in your home, regardless of fault.
For more details, see What Does Renters Insurance Cover?
Optional coverage
You may be able to add the following types of coverage to your American Family renters policy, depending on where you live:
Jewelry, gemstones, watches and furs coverage. There are limits on how a standard renters policy covers these items. Adding this endorsement can ensure your belongings are covered for their full value. Learn more about jewelry insurance.
Identity theft coverage. If someone steals your identity, this coverage can help you replace documents, pay legal fees and recover more quickly.
Personal injury coverage. This endorsement can pay legal damages if you’re sued for issues such as libel, slander or wrongful entry.
Equipment breakdown coverage. If a computer, TV or other electrical appliance suddenly fails, this insurance would pay to repair or replace it.
Diminishing deductible. When you add this coverage to your policy, American Family will immediately reduce your deductible by $100. (A deductible is the amount of a claim you need to pay.) Your deductible will continue to drop by $100 each year you go without filing a claim, up to a total reduction of $500.
Water and sewer backup coverage. This coverage will pay if a backed-up drain or sewer damages your belongings.
» MORE: The cheapest renters insurance
American Family renters insurance rates
American Family renters insurance costs $182 a year on average, or about $15 a month, according to NerdWallet’s rate analysis. That’s more expensive than the national average of $151 a year.
Discounts
American Family may offer you a discount for:
Bundling multiple policies.
Having a qualifying smart home device.
Signing up for paperless billing or autopay.
Paying your premium in full, upfront.
Having your American Family renters policy for at least a year.
Being between ages 18 and 30 and having parents who are American Family customers.
Discount availability may vary by state.
Consumer complaints and satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. American Family scores highly on this measure, drawing a low proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums. NAIC home insurance complaints cover various policy types, including homeowners, renters, mobile home and condo insurance.
J.D. Power rating: American Family renters insurance ranked above average for customer satisfaction in J.D. Power’s 2025 U.S. Home Insurance Study.
Where American Family renters insurance is available
American Family sells renters insurance in 19 states.
Availability may change at any time. Coverage may not be available to all renters in a given state.
Consumer experience
Website: American Family’s website features a wealth of info about the company’s policies. You can use the site to get a quote, report and track claims, pay your bill, and find an agent.
App: The MyAmFam app lets you see policy details, schedule payments, file and track claims, and contact your agent.
Claims: You can file claims online, through the app or by phone at 800-692-6326.
Customer service: For support, call 800-692-6326, contact your local agent or send an email through the website.
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Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
How we review renters insurance
Our editorial team considers these factors when reviewing renters insurance companies:
- 📞 Customer experience
This rating is based primarily on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. We also evaluate whether companies have customer-friendly features such as online claims filing and quotes.
- 🛡️ Coverage
We look at how companies cover your personal belongings and how many common optional endorsements they offer.
- 💲Affordability
We evaluate the discounts a company offers and, when available, its median rates.
- 🏦 Financial strength
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
See our complete renters insurance rating methodology.
Why you can trust NerdWallet
In our research, we analyzed:
More than 175 million renters insurance rates.
More than 100 insurance companies.
More than 150 renter profiles.
Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.
Frequently asked questions
What other types of insurance does American Family offer?
What other types of insurance does American Family offer?
American Family sells various policies including auto, homeowners, life and umbrella insurance. Learn more with NerdWallet’s American Family auto insurance review.
How do I get an American Family renters quote?
How do I get an American Family renters quote?
You can get a quote on the American Family website, through an agent or by calling 800-692-6326.
Does an American Family renters insurance policy cover my roommate’s stuff?
Does an American Family renters insurance policy cover my roommate’s stuff?
No, unless you specifically name your roommate on your policy. Learn more about sharing renters insurance with roommates.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Home Insurance Study. Accessed Dec 16, 2025.
Renters insurance star ratings methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including affordability, financial strength, consumer experience and coverage options. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners from 2022 through 2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Renters insurance rates methodology
To find the average cost of renters insurance in the U.S., NerdWallet calculated the median rate for 30-year-old tenants from multiple insurance companies in every ZIP code across all 50 states and Washington, D.C. Sample tenants were nonsmokers with good credit and no recent claims, living in a two-bedroom apartment. They had a $500 deductible and the following coverage limits:
$30,000 in personal property coverage.
$100,000 in liability coverage.
$10,000 in additional living expenses coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We then compared the insurer's median rates to the median rates for other companies.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
