Home insurance

Home Insurance - American Family Insurance

Details
Category: Home
Published on Thursday, 15 July 2010 06:38

american-family-insurance-homeYour home is your castle – a gathering place for loved ones and a fortress of privacy when you want to be alone. No matter its size, or whether you rent or own, American Family Insurance wants to help protect your living space and the possessions it holds. In addition to our general policies – homeowners, renters, condo and mobile/manufactured – we offer a variety of endorsements and additional coverage options.

Discounts
American Family Insurance offers you a variety of ways to save money. You may qualify for a Claims-Free Discount, a Customer Longevity Discount, a New Home Discount, a Home Security & Fire Protection Discount, an Age of Customer Discount, a Home Purchase Discount, a Home & Auto Discount, a Home & Cycle Discount or a Home & Umbrella Discount.

 

Homeowners Insurance

You’ve invested a lot in your home – both cash and care. If a sudden loss occurred – say a fire, storm or vandalism – would you be able to restore your property to your usual high standards? With American Family Homeowners Insurance, you’re better prepared for the unexpected, making our policy as comforting as the home it protects.

Matching Undamaged Siding and Roof Coverage
Want to avoid mismatched siding or roofing materials when a portion of your home has been damaged? American Family Insurance is offering homeowner customers a new option – the Matching Undamaged Siding and Roof Coverage endorsement.1 This product will be available to new homeowner customers Jan. 1, 2010, and to existing homeowner customers as they renew their policies in 2010.

1This endorsement is not available in Iowa. Please contact your agent for complete coverage details and limitations.

Why should you consider this option?

  • The endorsement covers up to $20,000 of the cost to update (with new materials) the undamaged areas of vinyl or metal siding and roofing, if the home's siding or roofing has been damaged and there's a mismatch between the new and undamaged materials.
  • This coverage applies to mismatches due to material being discontinued, obsolete or outdated.
  • The endorsement costs just $20-$30 per year, depending on your state.

Did you know?

  • Severe windstorms, including hurricanes and tornadoes, cause dozens of deaths and billions of dollars in property damage every year. (Source: National Association of Mutual Insurance Companies, 2009)
  • There are approximately 3,000 hailstorms annually in the United States, resulting in average insured losses of $1.6 billion. (Source: Institute of Business & Home Safety, 2009)
  • The lifespan of an average roof is 20 years, but roofs in severe hail-prone areas must be replaced every seven to 10 years, according to insurance industry data. (Source: Institute of Business & Home Safety, 2009)

Identity Theft Protection
Every year millions of people learn the hard way how easy it is for someone to steal their identity. With just your name, Social Security Number and date of birth, a thief can apply for anything from a credit card to a driver’s license. And as bad as identity theft feels, the real crime may be how difficult, time consuming and expensive it can be to get your life back on track.

Fortunately, there’s an easy and affordable way to arm your entire family against this rising threat:
The American Family Identity Theft Program includes our Identity Fraud Expense Coverage, which covers costs associated with repairing your identity, including attorney fees, loan application fees and lost wages.

Additional services offered through Identity Theft 911®
We’ve partnered with Identity Theft 911®, an industry leader in identity fraud resolution to give you and your family 24/7 access to a variety of valuable features and services, including the option of working one-on-one with a dedicated fraud specialist. These experienced professionals provide you with the guidance you need to recover from identity theft, or at your request, proactive measures to help you avoid being victimized in the future.

Services offered by Identity Theft 911® are not part of our endorsement, however, they are provided to you at no extra cost. Highlights include:

Proactive services

  • Place free fraud alerts on your credit files
  • Provide tips and techniques
  • Offer relocation identity  protection
  • Minimize military members’ risks
  • Helps with estate activities
  • Assist with marriage and divorce name changes

Resolution services

  • Dedicated fraud specialist assigned
  • Help prepare documents
  • Provide resolution of information stolen from a child
  • Call third parties, such as credit bureaus, law enforcement, etc.

These services may be accessed by calling your agent or 1-800-MYAMFAM (1-800-692-6326) to be connected with Identity Theft 911®.

Home Office, School or Studio Endorsement
While working from home affords you additional freedom, it also adds some risk.

American Family Home Office, School or Studio Coverage helps reduce that risk by extending your personal liability and medical expense coverage to business use of your insured location. It also broadens coverage by $5,000 for business personal property, including equipment, supplies, merchandise in storage and furnishings.

For an additional premium, you can further increase coverage for these types of property.

Scheduled Personal Property Coverage
Are there special items you want to make sure are covered with your American Family homeowners policy?

Consider our Scheduled Personal Property Coverage.
This endorsement provides specific coverage for jewelry, furs, cameras, musical instruments, silverware, golf equipment, fine arts, firearms, collectibles, miscellaneous personal property, computers and tools.

Home Day Care Endorsement
If your home is also a day care for part of the day, make sure you're properly covered.

The American Family Day Care Endorsement offers personal liability and medical expense coverage to homeowners customers who operate an in-home daycare.

Structures on Other Premises Endorsement
Do you have a separate easement parcel with a shed?

American Family homeowners customers may be eligible to insure such buildings with the Structures on Other Premises Endorsement.
Structures must be used in conjunction with the primary insured property.

Earthquake and Volcanic Eruption Coverage
Earthquakes and volcanic eruptions can be devastating, causing significant destruction in seconds. Are you properly covered? To help you prepare, American Family's Earthquake and Volcanic Eruption Endorsement is available to all homeowner customers in Arizona, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah and Wisconsin.

For Georgia and Washington homeowners customers, there is a separate Earthquake Endorsement, which does not include coverage for volcanic eruptions. Georgia and Washington customers have some coverage for volcanic eruption included in their homeowners policies.

The endorsements cover:

  • Dwelling
  • Garage and other detached structures
  • Fence, driveway, sidewalk and other permanently installed yard fixtures
  • Construction materials on your premises for use in your home
  • Personal property

For American Family condo insurance policies, the endorsements cover:

  • Condominium unit (per condominium association rules)
  • Permanently installed fixtures and appliances
  • Personal property

For American Family renters insurance policies, the endorsements cover:

  • Personal property
  • Building and additions, and alterations made at your expense

 

Back-up of Sewer and Sump Pump Overflow Coverage
What if your sewer backed up or your sump pump overflowed? You could find yourself replacing floors, walls and appliances.

To help protect the property in your lower level, consider adding an American Family Back-up of Sewer and Sump Pump Overflow Coverage Endorsement. There are several versions of this coverage, based on where you live. Your agent can help determine the best coverage for you.

Please check with your agent and read the policy for exact details on coverages and exclusions.

This summary represents only a brief description of coverages. Coverage features and limits vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.

 

Condominium Owners Insurance

Condo life is good – the joy of home ownership without all the hassles. But what if your condo had a fire or fell victim to a thief? Our condominium policies help protect your home and possessions against many common losses. Additionally, our liability coverage may help protect you when you’re legally responsible for an accident covered by your policy.

Identity Theft Protection
Every year millions of people learn the hard way how easy it is for someone to steal their identity. With just your name, Social Security Number and date of birth, a thief can apply for anything from a credit card to a driver’s license. And as bad as identity theft feels, the real crime may be how difficult, time consuming and expensive it can be to get your life back on track.

Fortunately, there’s an easy and affordable way to arm your entire family against this rising threat:
The American Family Identity Theft Program includes our Identity Fraud Expense Coverage, which covers costs associated with repairing your identity, including attorney fees, loan application fees and lost wages.

Additional services offered through Identity Theft 911®
We’ve partnered with Identity Theft 911®, an industry leader in identity fraud resolution to give you and your family 24/7 access to a variety of valuable features and services, including the option of working one-on-one with a dedicated fraud specialist. These experienced professionals provide you with the guidance you need to recover from identity theft, or at your request, proactive measures to help you avoid being victimized in the future.

Services offered by Identity Theft 911® are not part of our endorsement, however, they are provided to you at no extra cost. Highlights include:

Proactive services

  • Place free fraud alerts on your credit files
  • Provide tips and techniques
  • Offer relocation identity  protection
  • Minimize military members’ risks
  • Helps with estate activities
  • Assist with marriage and divorce name changes

Resolution services

  • Dedicated fraud specialist assigned
  • Help prepare documents
  • Provide resolution of information stolen from a child
  • Call third parties, such as credit bureaus, law enforcement, etc.

These services may be accessed by calling your agent or 1-800-MYAMFAM (1-800-692-6326) to be connected with Identity Theft 911®.

Home Office, School or Studio Endorsement
While working from home affords you additional freedom, it also adds some risk.

American Family Home Office, School or Studio Coverage helps reduce that risk by extending your personal liability and medical expense coverage to business use of your insured location. It also broadens coverage by $5,000 for business personal property, including equipment, supplies, merchandise in storage and furnishings.

For an additional premium, you can further increase coverage for these types of property.

Scheduled Personal Property Coverage
Are there special items you want to make sure are covered with your American Family homeowners policy?

Consider our Scheduled Personal Property Coverage.

This endorsement provides specific coverage for jewelry, furs, cameras, musical instruments, silverware, golf equipment, fine arts, firearms, collectibles, miscellaneous personal property, computers and tools.

Home Day Care Endorsement
If your home is also a day care for part of the day, make sure you're properly covered.

The American Family Day Care Endorsement offers personal liability and medical expense coverage to homeowners customers who operate an in-home daycare.

For more information on the American Family Insurance Home Day Care Endorsement, contact your American Family Agent.

Earthquake and Volcanic Eruption Coverage
Earthquakes and volcanic eruptions can be devastating, causing significant destruction in seconds. Are you properly covered?

To help you prepare, American Family's Earthquake and Volcanic Eruption Endorsement is available to all homeowner customers in Arizona, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah and Wisconsin.

For Georgia and Washington homeowners customers, there is a separate Earthquake Endorsement, which does not include coverage for volcanic eruptions. Georgia and Washington customers have some coverage for volcanic eruption included in their homeowners policies.

The endorsements cover:

  • Dwelling
  • Garage and other detached structures
  • Fence, driveway, sidewalk and other permanently installed yard fixtures
  • Construction materials on your premises for use in your home
  • Personal property

For American Family condo insurance policies, the endorsements cover:

  • Condominium unit (per condominium association rules)
  • Permanently installed fixtures and appliances
  • Personal property

For American Family renters insurance policies, the endorsements cover:

  • Personal property
  • Building and additions, and alterations made at your expense

Back-up of Sewer and Sump Pump Overflow Coverage

What if your sewer backed up or your sump pump overflowed? You could find yourself replacing floors, walls and appliances.

To help protect the property in your lower level, consider adding an American Family Back-up of Sewer and Sump Pump Overflow Coverage Endorsement. There are several versions of this coverage, based on where you live. Your agent can help determine the best coverage for you.

Please check with your agent and read the policy for exact details on coverages and exclusions.

 

Mobile/Manufactured Homeowners Insurance

At American Family Insurance, we understand the unique aspects of mobile/manufactured home living, and have designed dependable policies to suit your needs. Choose your preferred coverage option and you’ll sleep easier knowing your home and property are well protected.

 

Renters Insurance

You’ve built a home out of your apartment and filled it with all the things that make up your life. If these personal possessions were damaged, destroyed or stolen, would you be able to replace them? American Family Renters Insurance covers the items important to you, because your peace of mind is important to us.

 

Contact your local American Family Insurance agent for more information about our Mobile/Manufactured Homeowners Insurance and Renters Insurance.

 

Source: American Family Insurance