How good is the claims & customer service for homeowners insurance with American Family  Insurance? Here are complaint ratings for American Family’s homeowners insurance policies, based on national complaint ratios collected by the National Association of Insurance Commissioners.

Update 5/26/2013: I have posted the latest American Family homeowners insurance complaint statistics for 2011, 2010, & 2009 (2012 will be available Aug 2013) which you can see here.

Home insurance customers do not have a lot of objective information available to them to evaluate how well their home insurance company will provide customer service & handle claims.

Paying a lot for homeowners insurance does not mean better service or a fair claims settlement, so the price you pay is not an indication of whether you will have a problem with your insurance and feel ripped off.

There are plenty of individual stories on the Internet of problems with claims or service for every insurance company. But reading a lot of complaints on the Internet does not tell you if the majority of customers are happy with the insurance company, since they don’t write about it on the Internet.

Two, twenty, or thirty stories of complaints are anecdotal and not statistically significant. You need to look at large numbers to really spot a trend in poor service.

This is why the link below to my website shows complaint ratios based on an insurance company’s market share, so you can easily compare insurance companies for customer service & claims.

However, number scores may not be simple and easy for people to interpret, even though I explain them on my website.

So, I am doing a series of blog posts giving letter grades based on the complaint ratios, to make it as easy as possible to find the best homeowners insurance companies and avoid the worst.

Here is my grade scale:

Note: After a few years of reviewing complaint statistics, I’ve changed my rating system to a better than average, average, and worse than average rating scale, which I think is more useful & fair in assessing an insurance company’s complaint record. A small difference in the number of complaints can make an “A” company go to a “C” company from year to year, so I think my old rating system is not helpful for understanding a positive or negative trend in complaints for a company. Please click here to see my new 2011, 2010, 2009 (2012 coming in Aug 2013) American Family home insurance complaint ratings.

A+ = Insurance companies with complaints 25% or less than the average insurance company.

A = Insurance companies with complaints 50% or less than the average insurance company.

B = Insurance companies with complaints 90% or less than the average insurance company.

C = Insurance companies with complaints from 90% to 110% of the average insurance company.

D = Insurance companies with complaints from 110% to 200% of the average insurance company.

F = Insurance companies with complaints over 200% of the average insurance company. Over twice as much as average!

Consider these grades, along with price and other factors (as listed on my website), when choosing an home insurance company.

American Family Insurance has two subsidiary homeowners insurance companies. Make sure you know the proper name of the American Family insurance subsidiary quoting or insuring you, to check the proper complaint grade. WARNING: American Family Home Insurance is NOT a part of American Family Insurance, and is owned by American Modern Insurance Group.

American Family Insurance Complaint Ratings for Home Insurance

Update 5/26/2013: I have posted the latest American Family homeowners insurance complaint ratings for 2011, 2010, & 2009 (2012 will be available Aug 2013) which you can see here.

American Family Insurance Company = D

American Family Mutual Insurance Company = B

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