---
title: "American Family Insurance Review [Updated 2026]"
description: "American Family Insurance offers homeowners, auto, and umbrella coverage across 19 states. Founded in 1927, the company holds an A (Excellent) AM Best rating and serves customers through 2,400 independent agents."
canonical: "https://www.coveragecat.com/reviews/american-family"
last-updated: "2026-08-13"
---

# American Family Insurance Review [Updated 2026]

1. [Introduction to American Family Insurance](#introduction)
2. [What Kinds of Insurance Does American Family Offer?](#typesofinsurance)
3. [Does American Family Sell Homeowners Insurance?](#sellhomeowners)
4. [Does American Family Sell Auto Insurance?](#sellauto)
5. [Does American Family Sell Umbrella Insurance?](#sellumbrella)
6. [How Does American Family Insurance Work?](#howdoesitwork)
7. [Pros and Cons of American Family Insurance](#proscons)
8. [Ratings and Customer Feedback](#ratings)
9. [Get Customer Support Or File A Claim](#customersupport)
10. [Frequently Asked Questions](#faq)

## <a id="introduction"></a>Introduction to American Family Insurance

[(Wikipedia, "American Family Insurance", 2026)](https://en.wikipedia.org/wiki/American_Family_Insurance) notes that American Family Mutual Insurance Company, also known as AmFam, was founded on October 3, 1927, when insurance salesman Herman Wittwer opened Farmers Mutual Insurance Company in Madison, Wisconsin. The company initially targeted farmers with [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance), based on Wittwer's belief that farmers presented lower risks than city drivers.

The company changed its name to American Family Mutual Insurance Company in 1963 to reflect its broader customer base. According to [(American Family Insurance, "Fast Facts", 2026)](https://newsroom.amfam.com/fast-facts/), American Family Insurance Group is now the nation's 12th-largest property/casualty insurance group, ranking No. 243 on the Fortune 500 list with $20 billion in revenue and $42.2 billion in assets as of 2024.

American Family operates as a mutual holding company, meaning policyholders are members who own the company. The group contracts with more than 2,400 independent contractor agency owners and employs approximately 11,000 people. American Family's National Headquarters is located at 6000 American Parkway, Madison, Wisconsin, 53783, with additional corporate locations in Boston, Keene, St. Joseph, Denver, and Phoenix.

[(Insurance Journal, "AmFam Reports Underwriting Profit, Top-Line Decline for 2025", 2026)](https://www.insurancejournal.com/news/national/2026/03/05/860538.htm) reports that American Family delivered strong financial results for 2025, with net underwriting gains in property and casualty lines reaching $2.6 billion compared to $603 million in 2024. The company's combined ratio improved 12 points to 84.6 from 96.6 in the prior year, marking a substantial turnaround. CEO Bill Westrate noted the company enters its 99th year in 2026 with strengthened financial position following strategic actions including the sale of The General and exit from Main Street America personal lines.

The American Family Insurance Group includes several operating companies: American Family Mutual Insurance Company S.I., American Family Insurance Company, American Standard Insurance Company of Wisconsin, American Standard Insurance Company of Ohio, Midvale Indemnity Company, Homesite Group Incorporated, Main Street America Group Inc., and CONNECT powered by American Family Insurance.

## <a id="typesofinsurance"></a>What Kinds of Insurance Does American Family Offer?

American Family offers a comprehensive range of personal insurance products. [(American Family Insurance, "Company Information", 2026)](https://www.amfam.com/companyid) shows that coverage includes vehicle insurance (cars, motorcycles, RVs, boats, ATVs, snowmobiles), property insurance ([homeowners](https://www.coveragecat.com/insurance-types/homeowners-insurance), [renters](https://www.coveragecat.com/insurance-types/renters-insurance), condos, manufactured homes), commercial and farm/ranch insurance, and [life insurance](https://www.coveragecat.com/insurance-types/life-insurance).

According to [(U.S. News, "American Family Homeowners Insurance Overview", 2026)](https://www.usnews.com/insurance/homeowners-insurance/american-family), American Family is available in 19 states, primarily in the West and Midwest: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.

The company also offers specialty coverage for classic cars, pet insurance, [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance), identity theft protection, and travel insurance. [(Insurance Business America, "American Family Insurance", 2021)](https://www.insurancebusinessmag.com/us/companies/american-family-insurance/117129/) notes that American Family splits its product lines into three sections: vehicle insurance, property and business, and added protection.

| Product Category | Coverage Types | Special Features |
|------------------|----------------|------------------|
| Vehicle Insurance | Auto, motorcycle, RV, boat, ATV, snowmobile | DriveMyWay telematics, MilesMyWay pay-per-mile, Teen Safe Driver Program |
| Property Insurance | Homeowners, renters, condo, manufactured homes, vacation homes | Hidden Water Damage, Equipment Breakdown, Diminishing Deductible |
| Liability Protection | Personal umbrella, commercial umbrella | Coverage limits up to $5 million, protects against defamation claims |
| Life & Health | Term life, whole life, universal life | Ward's Top 50 designation for 18 consecutive years |
| Specialty Coverage | Pet, identity theft, classic cars, travel | Various endorsements and add-ons available |

## <a id="sellhomeowners"></a>Does American Family Sell Homeowners Insurance?

Yes, American Family sells [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) in 19 states. [(American Family Insurance, "Homeowners Insurance Coverages", 2026)](https://www.amfam.com/insurance/home/coverages) explains that policies cover dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. Standard coverage includes $2,000 jewelry protection after a covered loss.

American Family offers several unique coverages that address common gaps in standard homeowners insurance policies. According to [(LendingTree, "American Family Insurance Review", 2024)](https://www.lendingtree.com/insurance/american-family-insurance-review/), the company provides Hidden Water Damage coverage that covers leaks from plumbing within walls, floors, or ceilings, including damage from wear and tear, deterioration, corrosion, and rust. This optional coverage addresses a gap many standard policies exclude.

[(U.S. News, "American Family Homeowners Insurance Overview", 2026)](https://www.usnews.com/insurance/homeowners-insurance/american-family) notes that American Family provides a range of endorsements for homeowners insurance, including identity theft protection, water backup coverage, service line coverage, and valuable possessions coverage. However, the company does not offer flood or earthquake coverage, which customers must purchase separately.

[(American Family Insurance, "Homeowners Insurance Coverages", 2026)](https://www.amfam.com/insurance/home/coverages) states that customers can add Equipment Breakdown Coverage to protect appliances and home systems from unexpected mechanical or electrical breakdown, with coverage up to policy limits after a $500 deductible. Additional optional coverages include sump pump and water backup protection, and a flash flooding endorsement.

The company also offers a Diminishing Deductible program that credits your deductible $100 each year you remain claim-free, up to $1,000 for homeowners ($500 for renters and condo owners). This rewards responsible homeowners with lower out-of-pocket costs over time.

American Family provides coverage for single-family homes, condos, rental properties, manufactured homes, and seasonal or vacation homes. [(Ibid., "Company Information", 2026)](https://www.amfam.com/companyid) notes that commercial and farm/ranch insurance is underwritten by American Family Mutual Insurance Company S.I., American Family Insurance Company, or Midvale Indemnity Company.

## <a id="sellauto"></a>Does American Family Sell Auto Insurance?

Yes, American Family sells [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance) in 19 states. [(Yahoo Finance, "American Family auto insurance review 2026: 4.5 out of 5 stars", 2026)](https://finance.yahoo.com/personal-finance/insurance/review/american-family-auto-insurance-review-155839352.html) gave American Family a 4.5 out of 5 star rating for its auto insurance offerings, based on coverage details and cost comparisons.

[(Insurance Business America, "What American Family Insurance rating says about its performance", 2025)](https://www.insurancebusinessmag.com/us/guides/what-american-family-insurance-rating-says-about-its-performance-550062.aspx) reports that in J.D. Power's 2025 study, American Family scored 674 out of 1,000 in the Central Region, above the regional average of 647. The company also achieved a score of 692 out of 1,000 in auto insurance claims satisfaction, above the industry average. In the Service Segment, American Family ranked third with a score of 715.

According to [(LendingTree, "American Family Insurance Review", 2024)](https://www.lendingtree.com/insurance/american-family-insurance-review/), American Family offers competitive rates in certain states. The company's rates are at least 20% less than the state average in Minnesota, Oregon, and Utah. At $61 per month, American Family's liability car insurance rates are 6% less than the national average of $64 per month.

American Family provides standard coverage options including bodily injury liability, property damage liability, [comprehensive](https://www.coveragecat.com/insurance-types/comprehensive-coverage), [collision](https://www.coveragecat.com/insurance-types/collision-coverage), personal injury protection, and [uninsured/underinsured motorist coverage](https://www.coveragecat.com/insurance-types/uninsured-underinsured-motorist-uiuim). The company also offers gap insurance, which some competitors do not provide.

[(American Family Insurance, "Car Insurance Discounts", 2026)](https://www.amfam.com/insurance/car/discounts) explains that the company offers numerous ways to save. The DriveMyWay program provides a 10% discount just for enrolling, with potential savings of 5% to 20% based on driving behavior. The MilesMyWay pay-per-mile program helps drivers who travel less than 7,500 miles per year save money.

American Family also offers a Teen Safe Driver Program. [(Wikipedia, "American Family Insurance", 2026)](https://en.wikipedia.org/wiki/American_Family_Insurance) notes that scientists at the University of Iowa validated this video feedback program, which produces a 70% reduction in risky driving behavior among teens.

## <a id="sellumbrella"></a>Does American Family Sell Umbrella Insurance?

Yes, American Family sells personal [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance). [(American Family Insurance, "Personal Umbrella Liability Policy", 2026)](https://www.amfam.com/insurance/umbrella/coverages/personal) explains that umbrella coverage provides additional liability protection that exceeds base home and auto policy limits.

According to [(American Family Insurance, "What is umbrella insurance", 2026)](https://www.amfam.com/resources/articles/understanding-insurance/what-is-umbrella-insurance), a Personal Umbrella Liability Policy provides additional liability coverage over underlying policies such as homeowners, personal auto, motorcycle, watercraft, or renters policies. The coverage applies once primary policy limits are exhausted.

To qualify for umbrella insurance, [Ibid.](https://www.amfam.com/resources/articles/understanding-insurance/what-is-umbrella-insurance) states that homeowners must have a liability coverage minimum of $300,000, and all vehicles must carry at least $250,000/$500,000/$100,000 in liability coverage.

American Family umbrella policies cover situations that base policies may not, including defamation, libel, and slander claims. [(American Family Insurance, "Umbrella Insurance Overview", 2026)](https://www.amfam.com/insurance/umbrella/overview) notes that if you post false information about someone online and they sue for defamation, umbrella coverage helps pay for settlement costs and legal defense, including attorney fees.

The company also offers commercial umbrella and farm/ranch umbrella policies. [(American Family Insurance, "Commercial Umbrella Insurance", 2026)](https://www.amfam.com/insurance/umbrella/commercial) explains that commercial umbrella provides additional liability protection above business liability limits, covering areas such as commercial general liability, business auto liability, and garage liability for businesses that perform auto service work.

## <a id="howdoesitwork"></a>How Does American Family Insurance Work?

American Family operates primarily through independent contractor agency owners. [(Ibid., "Fast Facts", 2026)](https://newsroom.amfam.com/fast-facts/) states that the company contracts with more than 2,400 independent contractor agents across 19 states.

To obtain coverage, customers can visit the American Family website to start a quote online or find a local agent. [(American Family Insurance, "Customer Support", 2026)](https://www.amfam.com/customer-support) explains that customers can also call the Care Center at 1-800-MYAMFAM (1-800-692-6326) for assistance with quotes, policy changes, and general questions.

American Family offers digital tools for policy management. The MyAmFam mobile app allows customers to access insurance cards, view coverage details, set up autopay, schedule payments, file claims, and request roadside assistance. The app maintains a strong presence in app stores, giving policyholders convenient access to their coverage information.

For customers who prefer the Costco relationship, [(Costco, "Auto & Home Insurance Services", 2026)](https://www.costco.com/auto-home-insurance-services.html) explains that CONNECT, powered by American Family Insurance, offers exclusive discounts to Costco members. Policies are underwritten by American Family Connect Property and Casualty Insurance Company, American Family Connect Insurance Company, or Midvale Indemnity Company, depending on the state.

American Family has acquired several companies to expand distribution channels. [(American Family Insurance, "Ameriprise Acquisition", 2021)](https://www.insurancejournal.com/news/midwest/2019/04/03/522605.htm) reports that in 2019, the company acquired Ameriprise Auto & Home (later renamed CONNECT) for approximately $1.05 billion. Previous acquisitions include Homesite Group in 2013 and The General in 2012 (sold to Sentry Insurance in 2024).

## <a id="proscons"></a>Pros and Cons of American Family Insurance

<div class="grid">
  <div class="column">
    <p><b>Pros</b></p>
    <ul>
      <li><a href="https://finance.yahoo.com/news/am-best-affirms-credit-ratings-194200105.html">(AM Best, "AM Best Affirms Credit Ratings for American Family Mutual Insurance Company, S.I., Core Affiliates and American Family Life Insurance Company", 2025)</a> affirmed American Family's A (Excellent) financial strength rating on September 24, 2025, with improved capital levels following The General sale</li>
      <li><a href="https://www.amfam.com/resources/discounts">(American Family Insurance, "Discounts", 2026)</a> notes that customers who bundle home and auto policies can save up to 40% on both policies together</li>
      <li><a href="https://www.insurancejournal.com/news/national/2026/03/05/860538.htm">(Insurance Journal, "AmFam Reports Underwriting Profit, Top-Line Decline for 2025", 2026)</a> reports net underwriting gains reached $2.6 billion in 2025 with combined ratio of 84.6, down from 96.6 in 2024</li>
      <li><a href="https://www.amfam.com/insurance/home/coverages">(American Family Insurance, "Homeowners Insurance Coverages", 2026)</a> offers unique coverages like Hidden Water Damage and Equipment Breakdown that address common coverage gaps</li>
      <li><a href="https://www.insurancebusinessmag.com/us/guides/what-american-family-insurance-rating-says-about-its-performance-550062.aspx">(Insurance Business America, "What American Family Insurance rating says about its performance", 2025)</a> reports J.D. Power 2025 customer satisfaction score of 674 in Central Region, above the regional average of 647</li>
    </ul>
  </div>
  <div class="column">
    <p><b>Cons</b></p>
    <ul>
      <li><a href="https://www.usnews.com/insurance/homeowners-insurance/american-family">(U.S. News, "American Family Homeowners Insurance Overview", 2026)</a> notes that American Family is only available in 19 states, primarily in the Midwest and West</li>
      <li><a href="https://www.lendingtree.com/insurance/american-family-insurance-review/">(LendingTree, "American Family Review", 2024)</a> reports that American Family's rate in Nevada is 50% higher than the state average</li>
      
      <li>Multiple customer reviews on <a href="https://www.consumeraffairs.com/insurance/american_family_auto.html">(Consumer Affairs, "American Family Reviews", 2026)</a> cite significant rate increases, even for customers with clean records and no claims</li>
      <li><a href="https://www.bbb.org/us/wi/madison/profile/insurance-companies/connect-powered-by-american-family-insurance-0694-9001116/customer-reviews">(Connect by American Family, "BBB Reviews", 2026)</a> shows that CONNECT (the Costco subsidiary) has received complaints about customer service and claims handling</li>
    </ul>
  </div>
</div>

## <a id="ratings"></a>Ratings and Customer Feedback for American Family Insurance

### Financial Strength and Industry Ratings

| Source | Rating | Details |
|--------|--------|---------|
| **AM Best** | A (Excellent) | [(Yahoo Finance, "AM Best Affirms Credit Ratings for American Family", 2025)](https://finance.yahoo.com/news/am-best-affirms-credit-ratings-194200105.html) affirmed American Family's A financial strength rating and a+ long-term issuer credit rating on September 24, 2025. Sale of The General closed Q4 2024, significantly improving capital levels |
| **J.D. Power 2025 Customer Satisfaction** | 674/1,000 (Central Region) | [(Insurance Business America, "American Family Rating", 2025)](https://www.insurancebusinessmag.com/us/guides/what-american-family-insurance-rating-says-about-its-performance-550062.aspx) notes this is above the regional average of 647 |
| **J.D. Power 2025 Auto Claims Study** | 692/1,000 | [Ibid.](https://www.insurancebusinessmag.com/us/guides/what-american-family-insurance-rating-says-about-its-performance-550062.aspx) reports American Family scored above the industry average |
| **J.D. Power 2025 Service Segment** | 715/1,000 (3rd place, tied) | [Ibid.](https://www.insurancebusinessmag.com/us/guides/what-american-family-insurance-rating-says-about-its-performance-550062.aspx) indicates strong service performance |
| **Moody's** | A1 | [Ibid.](https://www.insurancebusinessmag.com/us/guides/what-american-family-insurance-rating-says-about-its-performance-550062.aspx) reflects established franchise and sound balance sheet |
| **S&P Global** | A | [Ibid.](https://www.insurancebusinessmag.com/us/guides/what-american-family-insurance-rating-says-about-its-performance-550062.aspx) cites strong financial profile |

### Customer Reviews Summary

| Source | Rating & Count | Representative Quote | Takeaway |
|--------|---------------|----------------------|----------|
| [**Trustpilot**](https://www.trustpilot.com/review/www.amfam.com) | 4.7 ★ (over 1,500 reviews) | "Heidi went above and beyond to help us with insurance quotes for our auto and home policies. She was always quick to answer any questions." | Strong overall satisfaction with emphasis on responsive agents and helpful service |
| [**Better Business Bureau**](https://www.bbb.org/us/wi/madison/profile/insurance-companies/american-family-insurance-0694-5002017/customer-reviews) | A+ BBB rating | "I was a customer of American Family for 46 years... Other companies couldn't beat my premiums. Until 2024 when I found I could insure two cars for less money than AmFam wanted for my one new car." | High BBB accreditation but mixed customer reviews citing rate increases |
| [**Yahoo Finance**](https://finance.yahoo.com/personal-finance/insurance/review/american-family-auto-insurance-review-155839352.html) | 4.5/5 ★ | "Check out our American Family auto insurance review with cost comparisons, coverage details, and more." | Above-average rating for auto insurance products |

### 2025 Financial Performance Highlights

| Metric | 2025 Result | 2024 Comparison | Change |
|--------|-------------|-----------------|--------|
| Net Underwriting Gain | $2.6 billion | $603 million | +331% |
| Combined Ratio | 84.6 | 96.6 | -12 points |
| Expense Ratio | 31.9 | Higher | Lowest since at least 1992 |
| Catastrophe Claims | $2.4 billion | $3.3 billion | -27% |
| Members' Equity | $14.3 billion | $10.6 billion | +35% |
| Annual Net Income | $3.18 billion | $2.53 billion | +26% |

[(Insurance Journal, "AmFam Reports Underwriting Profit, Top-Line Decline for 2025", 2026)](https://www.insurancejournal.com/news/national/2026/03/05/860538.htm) reports these strong results reflect strategic actions including the sale of The General and improved underwriting performance across the company's property and casualty portfolio.

### Real Customer Reviews for American Family Insurance

<div class="grid customer-review">
  <div class="column">
    <p>5 ★</p>
    <p><b>Customer, March 2025</b></p>
    <p><a href="https://www.trustpilot.com/review/www.amfam.com"><span class="text-muted">via Trustpilot</span></a></p>
  </div>
  <div class="column">
    <p>Heidi went above and beyond to help us with insurance quotes for our auto and home policies. She was always quick to answer any questions. We are so pleased with her customer service.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <img src="/cms/images/uploads/img_B0C4EFD762B42FFBC_4stars.avif">
    <p><b>Customer, July 2023</b></p>
    <p><span class="text-muted">via The Zebra Consumer Survey</span></p>
  </div>
  <div class="column">
    <p>They were great! My family stayed with our agent for over 10 years. Her name was Holly and the fact that I remember that goes to show the customer service they provided. Yes, multiple claims when I was a teen. American Family saved the day each time.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>3 ★</p>
    <p><b>Scott B., Long-Term Customer, 2024</b></p>
    <p><a href="https://www.bbb.org/us/wi/madison/profile/insurance-companies/american-family-insurance-0694-5002017/customer-reviews"><span class="text-muted">via Better Business Bureau</span></a></p>
  </div>
  <div class="column">
    <p>I was a customer of American Family for 46 years. Good service and claims history the few times I had a claim. Other companies couldn't beat my premiums. Until 2024 when I found I could insure two cars for less money than AmFam wanted for my one new car. When I informed my agent I was leaving she told me she could get me a better rate. I expect my agents to always give me the best rate, not only when I am leaving them.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>2 ★</p>
    <p><b>Larry W., Mixed Experience Customer, May 2025</b></p>
    <p><a href="https://www.bbb.org/us/wi/madison/profile/insurance-companies/american-family-insurance-0694-5002017/customer-reviews"><span class="text-muted">via Better Business Bureau</span></a></p>
  </div>
  <div class="column">
    <p>My experience with American Family insurance is mixed. On the one hand, they start out with good communication, but then when you have questions, they are nowhere to be found. I don't believe my agent likes her job at all. She will not answer emails or phone calls leaving you in the dark if you have questions.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>1 ★</p>
    <p><b>Tom, October 2024</b></p>
    <p><a href="https://www.consumeraffairs.com/insurance/american_family_auto.html"><span class="text-muted">via Consumer Affairs</span></a></p>
  </div>
  <div class="column">
    <p>I have been American Family for long time customer. My car insurance premium is up 146%!!! We did not have any traffic tickets and any car accidents in past 20 years. The mileage is about 3500/year. This increase is awful and ridiculous.</p>
  </div>
</div>

## <a id="customersupport"></a>Get Customer Support Or File A Claim For American Family Insurance

[(American Family Insurance, "Contact Us", 2026)](https://www.amfam.com/contact) provides multiple ways to reach customer service:

**Phone Support:**
- Main line: 1-800-MYAMFAM (1-800-692-6326) available 24/7 for automated pay-by-phone and claims
- Customer service representatives available Monday-Friday 7 AM-10 PM CT, Saturday 8 AM-8 PM CT, Sunday 12 PM-8 PM CT

**Online Support:**
- MyAccount portal for policy management
- MyAmFam mobile app for iOS and Android
- Online chat through the website

**Claims Filing:**

[(American Family Insurance, "File Your Claim", 2026)](https://www.amfam.com/claims/file-your-claim) explains that customers can file claims through:
- Online at amfam.com/claims
- MyAmFam mobile app
- Phone at 1-800-MYAMFAM (1-800-692-6326) available 24/7
- Text STORM to AMFAM (26326) for wind or hail damage claims
- Contact your local agent

According to [(American Family Insurance, "Claims Process", 2026)](https://www.amfam.com/claims), once a claim is filed, an adjuster may be assigned to appraise damage, estimate repairs, or connect with healthcare providers if injuries occurred. The company states its goal is to complete the claims process as quickly as possible. Customers can track claim status through the MyAmFam app or online portal.

[(Milano Legal Group, "Negotiating a Settlement with American Family Insurance", 2025)](https://milanoaccidentlawyers.com/negotiating-a-settlement-with-american-family-insurance/) notes that American Family serves over 10 million policies and offers multiple claims channels including online, mobile app, and a 24/7 phone claims department. Claimants can file appeals if denied or file a complaint with their state insurance regulatory body if they believe a claim was wrongfully denied.

For life insurance claims, [(American Family Insurance, "Life Insurance Claims", 2026)](https://www.amfam.com/claims/life-insurance-claims) notes that beneficiaries should call 1-800-MYAMFAM ext. 78080 or submit claims online.

## <a id="faq"></a>Frequently Asked Questions

### Is American Family Insurance a real insurance company?

Yes, American Family Insurance is a legitimate mutual insurance company [(Wikipedia, "American Family Insurance", 2026)](https://en.wikipedia.org/wiki/American_Family_Insurance) founded in 1927. The company is the nation's 12th-largest property/casualty insurance group and ranks No. 243 on the Fortune 500 list. [(Yahoo Finance, "AM Best Affirms Credit Ratings for American Family", 2025)](https://finance.yahoo.com/news/am-best-affirms-credit-ratings-194200105.html) confirmed the company maintains an A (Excellent) financial strength rating from AM Best as of September 2025.

### What is Midvale Indemnity Company?

[(American Family Insurance, "Company Information", 2026)](https://www.amfam.com/companyid) explains that Midvale Indemnity Company is a subsidiary of American Family Insurance Group. According to [(Ibid., "Ameriprise Acquisition", 2021)](https://www.insurancejournal.com/news/midwest/2019/04/03/522605.htm), in 2012, American Family acquired the former Lumbermens Casualty Insurance Company and renamed it Midvale Indemnity Company. The company underwrites commercial and farm/ranch insurance, as well as policies for certain states through Homesite and CONNECT.

### How much does American Family Insurance cost?

American Family insurance costs vary significantly by state, coverage type, and individual risk factors. For auto insurance, [(LendingTree, "American Family Review", 2024)](https://www.lendingtree.com/insurance/american-family-insurance-review/) notes that liability coverage averages $61 per month, which is 6% less than the national average of $64 per month. The company offers rates at least 20% less than state averages in Minnesota, Oregon, and Utah, but Nevada customers pay about 50% more than the state average. Actual costs depend on location, coverage levels, driving record, claims history, and other factors.

### What states does American Family Insurance operate in?

[(U.S. News, "American Family Homeowners Insurance Overview", 2026)](https://www.usnews.com/insurance/homeowners-insurance/american-family) confirms that American Family is available in 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.

### Does American Family offer umbrella insurance?

Yes, [(American Family Insurance, "Personal Umbrella Liability", 2026)](https://www.amfam.com/insurance/umbrella/coverages/personal) confirms that American Family offers personal [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance) with coverage limits up to $5 million. The company requires underlying home liability coverage of at least $300,000 and auto liability of $250,000/$500,000/$100,000 to qualify.

### How do I cancel my American Family Insurance policy?

To cancel a policy, contact your American Family agent directly or call 1-800-MYAMFAM (1-800-692-6326). You can also log into your MyAccount online or use the MyAmFam mobile app to initiate the cancellation process. Be sure to have alternative coverage in place before canceling to avoid gaps in protection.

### Does American Family Insurance have good customer service?

[(Insurance Business America, "What American Family Insurance rating says about its performance", 2025)](https://www.insurancebusinessmag.com/us/guides/what-american-family-insurance-rating-says-about-its-performance-550062.aspx) reports that in J.D. Power's 2025 study, American Family scored 674 out of 1,000 in the Central region, above the regional average of 647. The company also ranked third in the Service Segment with a score of 715. [(Trustpilot, "American Family Insurance Reviews", 2026)](https://www.trustpilot.com/review/www.amfam.com) shows a 4.7 out of 5 star rating based on over 1,500 customer reviews, with positive feedback praising agent accessibility and responsive customer service. However, [(Better Business Bureau, "American Family Reviews", 2026)](https://www.bbb.org/us/wi/madison/profile/insurance-companies/american-family-insurance-0694-5002017/customer-reviews) shows mixed reviews, particularly regarding rate increases and variable agent responsiveness.