Customize your homeowners insurance coverage

One-size-fits-all homeowners insurance can miss the details that make your home unique. That's why American Family Insurance offers coverage options to help you customize a policy around your space, your belongings, and your budget.*

Think of it like this: Your standard homeowners insurance creates the foundation. Then you can add optional coverages and discounts to help tailor protection (and what you pay for it) to the way you live.

What does standard homeowners insurance cover?

Insurance can feel complicated, especially if you haven’t reviewed your policy or talked with your agent recently. Here’s a quick refresher on common coverages many homeowners insurance policies include. Your specific coverages, limits, and eligibility may vary.*

Coverage for your home: Dwelling coverage (Coverage A)

Dwelling coverage helps protect the structure of your home—roof, walls, floor, siding, and windows.

Learn more about dwelling coverage >

Coverage for other structures: Other structures coverage (Coverage B)

This coverage helps protect structures on your property that aren’t attached to your home—such as detached garages, sheds, fences, and pools.

Learn more about other structures coverage >

Coverage for your things: Personal property coverage (Coverage C)

Personal property coverage helps repair or replace items like clothing, jewelry, tools, furniture, and electronics.

Learn more about personal property coverage >

Coverage for living expenses: Loss of use coverage (Coverage D)

Loss of use helps pay for additional living expenses, such as hotel stays and meals, if a covered loss makes your home unlivable.

Learn more about loss of use coverage >

Coverage when accidents happen: Personal liability (Coverage E)

Personal liability helps provide financial protection if you’re responsible for property damage or injury to others.

Learn more about personal liability coverage >

Coverage for medical expenses: Medical expense coverage (Coverage F)

This helps pay medical expenses for others injured on or off your property, depending on your policy.

Learn more about medical expense coverage >

 

What types of events are you protected against?

Standard homeowners insurance can help protect you from unexpected losses up to your coverage limits. For example, your policy may help pay for:

• Fire and smoke damage
• Theft and vandalism
• Windstorms, lightning, hail, and falling objects
• Damage from the weight of ice, snow, or sleet
• Frozen interior plumbing
• Sudden water damage from plumbing, heating, or cooling systems
• Personal liability for injury to others and claim defense expenses
• Incidents involving your children and pets

It's worth taking a few minutes to review your policy for exclusions, limitations, and specific coverage limits. Those details help you understand what protection you actually have in place when you need it most.*

Optional coverages to customize your policy

Optional coverages—often added by endorsement—personalize your homeowners policy and can help fill gaps or increase protection where you want it. Availability and details vary by state, policy form, and property type, so your agent can help you choose what fits.*

Increased dwelling limit coverage

If you opt to insure your home at 100% of its replacement cost, this endorsement is automatically added and increases your dwelling coverage by 20%.**

Jewelry, gemstones, watches, and furs coverage

Your base policy includes a coverage limit of $2,000 for all jewelry, gemstones, watches, and furs combined. If the total value of these items is higher, you can increase your coverage amount for broader protection.

Learn more about jewelry insurance >

Equipment Breakdown coverage

This coverage helps protect your appliances, home systems, or smart home devices if they’re damaged due to unexpected mechanical or electrical breakdown.***

Learn more about Equipment Breakdown coverage >

 

 

Hidden Water coverage

Leaks you can’t see inside walls, floors, ceilings, or cabinets can cause expensive damage to your home. This optional coverage can provide a wider net of protection.^†

Learn more about Hidden Water Damage coverage >

Identity fraud expense coverage

This coverage helps provide up to $25,000 for expenses related to restoring your identity after an unexpected event—like legal fees, lost wages, and other costs tied to getting your good name back.

Learn more about identity fraud expense coverage >

Credit monitoring

We've partnered with CyberScout to give you access to credit monitoring services. This add-on can help you prevent, respond to, and recover from a cyberattack. It also pairs well with our identity theft coverage that helps protect your credit, identity, and data.

Learn more about credit monitoring coverage >

Service line coverage

This helps pay to repair or replace damaged service lines, including underground piping and wiring for electrical power, heating, and natural gas. Service lines that aren’t underground aren’t covered.^††

Learn more about service line coverage >

Sewer back-up, septic back-up and sump overflow coverage

This coverage is designed to help mitigate the cost of repairs caused by water coming back into a home due to a backed-up drain or an overflowing sump.

Learn more about sump pump failure coverage >

Personal injury

This will help protect you from certain claims brought against you, including libel and/or slander. It can assist with legal costs associated with false arrests, detention, or imprisonment—plus malicious prosecution, wrongful eviction, or wrongful entry.

Learn more about personal injury protection >

Dwelling and other structures replacement cost coverage

This coverage helps repair or rebuild your damaged home and other structures without a depreciation deduction.^†††

Matching siding coverage

Homeowners insurance usually covers siding damage caused by wind, hail, fire, or a tornado, but it may only replace the affected portions.

If your original siding (or a reasonable match) is unavailable, you could be left with mismatched siding. This coverage may help everything match by replacing undamaged siding, too.

Learn more about matching siding coverage >

Flood insurance

Most insurers' homeowners, renters, or condo policies don't include flood damage protection. American Family may help you get flood insurance offered through the National Flood Insurance Program where available.^‡

Learn more about flood insurance >

Flash flood coverage

This helps financially protect you from flash flood damage, including flooding from inland waters overflowing onto normally dry land.^‡‡

Learn more about Inland Flood coverage >

Home renovation insurance

This coverage helps protect you from construction material theft or damage while renovating your home. It can also help cover foundation collapse—whether you’re handling renovations yourself or working with a contractor.

Learn more about home renovation insurance >

Home-based business coverage

Even a small business run out of your home needs the right protection. This coverage can extend your home insurance liability limits and coverages to your business.

Learn more about home business insurance >

Nursing home and assisted living coverage

If a loved one moves into an assisted living facility, this coverage helps protect their personal belongings up to $15,000. If you’d like a higher limit, ask your agent about getting a renters policy.

Learn more about nursing home and assisted living coverage >

Homeowners insurance discounts

Want more ways to personalize what you pay for insurance? Here are a few examples of how American Family Insurance discounts may be able to help you save.^‡‡‡

Multiproduct discount

When you bundle your homeowners and auto insurance policies, you can save time and money.^§ Bundling your policies together can also help you qualify for a multiproduct discount.

Safe, Secure, Smart Home discount

If you have eligible smart home devices or security systems, you may be able to save.

Insurance payment discounts

Streamlining the way you pay may also qualify you for discounts when you enroll in AutoPay, Full Pay, or Paperless. Learn more about our billing discounts.

Early bird discount

If you have an active policy with another insurance company and receive a quote from us at least seven days before that policy goes into effect, you could get a discount.

Age of home discount

Newer homes tend to have fewer claims, so if yours is under 15 years old, you could be eligible for this discount. Availability and details vary by state, so ask your agent what applies to you.

Loyalty discount

You may qualify for a lower premium if you've been an American Family customer for a year or more.

Generational discount

If you’re 18 to 30 years old and your parents have an active home or auto policy with American Family, you may be able to save on your homeowners policy.

Get a home insurance quote

Now that you’ve seen the building blocks—plus some add-on coverages and discounts—you’re ready to shape a homeowners insurance policy that fits your needs. To get started, use our Home Quoting Tool or contact your local American Family Insurance agent today.

*This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.

**Available for homeowners only.

***Coverage provided by adding the Equipment Breakdown optional endorsement. Does not provide coverage for breakdown caused by normal wear and tear. Limits, exclusions and deductible apply. Availability varies based on the way you purchase insurance and by state. Refer to your policy or talk to your agent for details.

^†Hidden Water Damage coverage is an optional coverage. Some restrictions apply to seasonal homes and manufactured homes. Limits, exclusions and deductible apply. Availability varies based on the way you purchase insurance and by state. Refer to your policy or talk to your agent for details.

^††Limits, exclusions and deductible apply. Availability varies based on the way you purchase insurance and by state. Refer to your policy or talk to your agent for details.

^†††Available for manufactured homeowners only.

^‡American Family Insurance is a participant in the National Flood Insurance Program (NFIP) managed by the Federal Emergency Management Agency (FEMA). Flood insurance is a separate policy underwritten by NFIP.

^‡‡Coverage provided by adding the Inland Flood optional endorsement. This endorsement does not satisfy mandatory flood insurance coverage should it be required by your federally regulated lender for your home mortgage or loan. This insurance product is not affiliated with the National Flood Insurance Program (NFIP). Limits, exclusions and deductible apply. Availability varies based on the way you purchase insurance and by state. Refer to your policy or talk to your agent for details.

^‡‡‡Discount, savings and product eligibility varies based on the way you purchase insurance, by state, property type and policy form. Discounts may not apply to all coverages on an auto or home policy. Discounts do not apply to life policies. Exclusions may apply.

^§Customers who bundle home and auto policies may save up to 40% on their home and auto policies together (as of June 2025). Discounts include Multiproduct, Auto Pay, Paperless, and DriveMyWay. Products, pricing, and availability vary based on the way you purchase insurance and by state, property, policy form and company underwriting the home and/or auto policy. Discounts may not apply to all coverages on a home or auto policy.