American Family Insurance Reviews 

Everyone is helpful, knowledgeable, and polite. When I have questions they are answered.

The employees are helpful and easy to reach. Jen has been very helpful and I appreciate it.

I love American Insurance the people are awesome and I appreciate good people.

I called my local agent's office, Brenan Rilea in Duluth, MN on 16 April 2026 at 10:01am, inquiring about a 17% increase of my renter's insurance policy premiums. An office assistant answered my call and after more than 5 minutes of asking about the increase, he just couldn't quite understand my simple questions. He then asked if I wanted to talk to Brenan and put me on hold. He then told me that Brenan would check into it and call me back. It's now five days later and I have not been contacted. The insurance agency used to be headed by Rockne Johnson for decades and he and his office staff were always extremely knowledgeable, professional and prompt. This policy has been active since the 1970's and I am not pleased with how unprofessional and clueless the individual who answered my call was and his telephone skills were horrendous; It was like talking to a brick wall! I will be shopping around for other insurance companies as I've been a USAA and Progressive member and used both for my auto insurance insurance needs in the past.

Mike Grezenia's agency is fantastic. Julie, the assistant in the office is superb. And Mike himself equally superb. The cost is reasonable and the benefits of having this agency this company standing behind me is most comforting. Each of these people Mike and Julie are professional kind and I know they are there for me for my insurance needs. And I can rest easily knowing that they are standing behind me.

Wonderful experience

A friend's home insurance premium was misappropriated to the wrong account. The policy was canceled with no warning. This 68 y/o widow was treated like a nuisance by amfam.
She had to buy a new policy. Then once the error was found, they refunded her money in the form of a check made out to her dead husband! They are not just incompetent, but cruel as well! Do not do business with these clowns!

Their app is not user friendly; They don't follow up; 800 number promises follow up but none forthcomingl; Keep passing the buck. Same with local agent. They keep jacking prices up. BEWARE

All AmFam agencies are not created equal. I had a terrible experience with Amanda K. And a lack of support from the agency principal of the office. The office is in Little Falls MN There is an ethical problem here. I did not file a complaint, only because I transferred to a new agency within the month. What a refreshing change. Buyer beware

My rates doubled in two years. I’m 58 years old and have been with AAA all my life, starting with being on their car insurance when I lived at home to owning my own home. Two years ago, AAA raised my rates by $900 so I switched to Am Fam and got good quality homeowners insurance for $1400 in 2024, but in 2025 Am Fam raised my rate to over $1900; now they are raising it to $2747. I’m shopping around, but nowadays, I’m wondering if I can really get a decent rate? This is the straw that broke the camels back. I’ve been wanting to retire and move to Colombia for a while, but I have procrastinated as that is intimidating. No more procrastination. Opening up their envelope and seeing my new rate today really angered me. I hope to be out by the end of the year. Screw Am Fam.

UPDATE 4-1-26: I got very similar coverage thru Allstate for $1650. Then got a quote from Farmers for similar coverage for under $1200. I need to look at that more closely. Still wanna move out of the country tho, but this is a fair price for now.

My experience with a total loss claim with American Family has been absolutely horrible. They are shady and bend policy to fit their agenda and their bank account. This experience started on 2/24 and is still ongoing. Senior desk adjuster Sherrie M is the worst. Not only did they use cars that were no longer available on the CCC1 valuation report, but requested any car that I used to be evaluated be current and be currently listed so they can see pictures, she told me she was only going to cover the storage of my car at the shop from through 3/6 when I told her I was out of town until Monday the 9th and I wanted time to consider the low ball offer. She then changed the date to the 9th. Once I was back and town and able to look at the report I then decided to dispute the offer and send vehicles that I found. I was told that CCC1 doesn’t use cars from carvana because they use national pricing. People pay those prices all the time. As we were negotiating the payout she then took days off in the process. Once she returned I then inquired about buying the car back. On 3/20 after days of negotiations and her absence I accepted an offer. I was then told they would only pay for the storage of my vehicle until the 9th although we had an ongoing negotiation of the price as well as she took days off and I didn’t accept the offer until the 20th. I then had to mention calling the BBB before she agreed to pay for storage until the 20th. I removed my personal belongings from the car on the 23rd and the car was picked up on the 24th. Now today 3/30 she is holding my payout hostage due to and error between her and copart and the shop my car was at that is totally out of my control. I told her I’d pay the shop for the days after the 20th and not to take it out of my payment. Then she tells me that the shop billed copart until the 24th which is not my problem at all. It’s a lack of communication between her and the shop and copart. So she then informed me that she would be taking the money out of my payout which she agreed would not happen prior to to mix up. Now she’s refusing to send my payout until the shop reimburses them for her not telling them to only pay until the 20th. The whole experience has been horrible. I will be dropping them as soon as this is all sorted out. Run far away from American Family Insurance.

Charles Ramos is my agent. He helped me in a very time sensitive situation and explained to me my coverage options in a very easy way to understand. Can’t thank him enough! Thanks Charles.

They’re shady. I purchased my auto insurance by paying in full, 1mo later they billed additional $68 by saying your auto-payment discount is cancelled. This is my very first policy, and I paid in full, what discount was given and it’s cancelled? No explanation. So yes, they’re shady.

Policy Misrepresentation at the Point of Sale

When I initially contacted American Family Insurance to obtain quotes for home and auto insurance, I explicitly requested that me and my partner be on the auto policy. I was assured this would be the case, and I made my purchasing decision based on that understanding. Upon reviewing my policy documents, I discovered that my partner had not been added as a named insured. When I contacted customer service to address this, I was told that this was simply not possible even though this has never been the case for the insurance we currently hold or the insurance we had before that.

What followed was an exhausting, nearly four-hour ordeal involving contact with more than eight different representatives, none of whom were able to provide consistent information or a satisfactory resolution. Cancelling was equally frustrating since there is a level of incompetence that included getting dropped with no return call and representatives telling me they could not cancel my policy. This included a supervisor confirming the same position that cancellation was not something they could facilitate.

I then called back and reached a representative named Emily, who processed my cancellation completely and efficiently in under five minutes.

This is not a minor inconsistency. This is a fundamental failure of training and policy knowledge.

Additionally, I had to call back days later because an additional home policy was charged to my card. This call took an hour with repeated reps telling me that they could not find the extra charge. Only through insistence was a solution finally found.

This was all during the purchase process. I would hate to know how they operate when I actually need the "service" that they are allegedly providing.

Ladies in office are great to work with and very helpful. Always good people to work with, they know their stuff and always have the answers. They go out of their way to get me the answers I need or to take care of our needs. :)

I placed in a claim for water damage ion December 26, 2025 it is March 24, 2026.
I am still awaiting it to be completed

Eddie.Was quite a lot better then my previous insurance agent.There was no money better than him when he got me everything I asked