Insurer profile · American Family · NAIC + CMS

American Family Homeowners

American Family Homeowners's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.

B
Reputation grade
0.84
Complaint index
19
States active

The verdict

American Family Homeowners earns a B reputation grade - a better-than-average record versus peers, according to the NAIC's published complaint index, its ratio runs 0.84, below the 1.0 market average.

B
reputation grade
0.84
NAIC complaint index
BBB
Reputation grade B (composite score 66.4) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.

How we calculated this grade →

NAIC CIS filing desk

NAIC 19275 B · 66.4

GRADE-B · INDEX-LOW · DENIAL-NONE · RANK-UPPER · PHOTO-FINISH · LINES-1 · BOOK-RICH

  • GRADE-B B · 66.4
  • INDEX-LOW 0.84
  • DENIAL-NONE No CMS file
  • RANK-UPPER #26/72
  • PHOTO-FINISH Humana Health · B
  • LINES-1 1 line
  • BOOK-RICH 6/7 fields

Nearest complaint-index peer: Humana Health (±0.03 index pts)

Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.

Complaint-index neighbourhood around American Family Homeowners

Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.

American Family Homeowners - complaint index neighbourhood

complaint index

What this shows According to PlainInsurer's dataset, American Family Homeowners has a lower (better) NAIC complaint index than 64% of the 72 rated insurers it tracks and ranks #6 of 17 carriers by complaint ratio in Home Insurance.

Source NAIC published complaint index (2024) As of 2026

Where American Family Homeowners sits on complaints

complaint index

What this shows American Family Homeowners's complaint index of 0.84 is 16% below the 1.0 market average for a carrier of its size.

Source NAIC published complaint index (2024) As of 2024

American Family Homeowners vs. the full rated-insurer dataset

84% Among the most affordable more affordable than 64% of 72 rated insurers

American Family Homeowners 0% 425% all rated insurers, bucketed by value

Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source NAIC published complaint index (2024) · 2024

Scale vs. complaint-adjusted score

NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers 2×2 strategic matrix plotting 30 entities by Total complaints → (X) and Composite score (higher = more friction) → (Y), with a crosshair dividing the plot into four quadrants. Large, high frictionSmall, high frictionLarge, low frictionSmall, low friction 02,0004,0006,0008,000 60708090100 Total complaints → Composite score (higher = more friction) →
NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers

Complaint record by line of business

Line Est. complaints Complaint index States active
Home Insurance ~2,008 0.84 19

Home insurance market share

National ranking by direct written premiums, NAIC 2024

#6
Market share
4.98%
Direct written premiums
$8,618.2M
See the full market-share ranking →

What the NAIC filing desk shows for American Family Homeowners

According to PlainInsurer's dataset, American Family Homeowners has a lower (better) NAIC complaint index than 64% of the 72 rated insurers it tracks and ranks #6 of 17 carriers by complaint ratio in Home Insurance.

American Family Homeowners is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place American Family Homeowners.

American Family Homeowners carries an A.M. Best Financial Strength Rating of A (Excellent) as of September 2025 (claims-paying ability, not complaint or service quality). Source: AM Best.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for American Family Homeowners: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.

Similar composite score

Nearest carriers by composite score (66.4 here). Floored at 50+ complaints and 5+ states.

UnitedHealthcare 67.5 Travelers Insurance 65.2 MetLife 64.4 Progressive Insurance 64.4

Similar complaint volume

Nearest carriers by NAIC complaint count (2,008 here). Deduped against the score peers so the two sets stay distinct.

New York Life 1,922 complaints USAA 2,099 complaints Guardian Life 1,834 complaints MassMutual 1,783 complaints
Aggregates only, not advice. Full terms on the disclaimer.

American Family Homeowners is part of the American Family family, alongside American Family Insurance in PlainInsurer's dataset -- a shared parent doesn't mean shared performance, so check each subsidiary's own record before assuming they behave alike.

Questions about American Family Homeowners

What does American Family Homeowners's grade mean?
American Family Homeowners received a grade of B, indicating a better-than-average record versus peers.
How many complaints does American Family Homeowners have?
PlainInsurer estimates American Family Homeowners's complaint volume at roughly 2,008 across 19 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against American Family Homeowners?
File against American Family Homeowners through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is American Family Homeowners a good insurance company?
PlainInsurer's B grade for American Family Homeowners reflects a better-than-average record versus peers relative to peers on published complaint and denial data.
What types of insurance does American Family Homeowners offer?
Based on NAIC filing data, American Family Homeowners reports activity in 1 line of business: Home Insurance. Availability varies by state.

Verify American Family Homeowners

American Family Homeowners is filed with the NAIC under company number 19275. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.

Verify on NAIC Consumer Information Source

Source: NAIC published complaint index data Complaint index, reputation grade for American Family Homeowners · 2024

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The full PlainInsurer extract, covering every insurer including American Family Homeowners, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.

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Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.

Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.