American National home insurance review: Widely available coverage with a special bundling perk
American National home insurance is highly rated for customer service and offers cash back for bundling multiple policies and going three years without filing a claim.
Jessica OlivoJessica OlivoFreelance contributorJessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.After working in publishing and book publicity for many years, she transitioned to freelance writing full time.
Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
AM Best rating
A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
The bottom line
American National is a good option for homeowners shopping for other types of insurance beyond home insurance.
By bundling your home and auto policies and staying claim free for three years, American National will send you a check for a percentage of the premiums you paid over that time. And every year after that you go without filing a claim, you’ll receive additional cash back. In the market for life insurance as well? Purchase a policy with American National and you'll increase your savings even more.
While American National does offer an online account and mobile app, you’ll need to contact a local agent to get a quote on a new policy. Once you’re a customer, however, you can manage your coverage, pay your bill, and report a claim from the palm of your hand.
If you bundle your home and auto policies and go three years without filing a claim, you’ll receive a percentage of your premiums back
Good customer service ratings — received 70% fewer complaints than similar-sized insurers in 2021
Rates on par with the national average
Not much information about coverage options and discounts available on its website
No online quotes available — must contact a local agent
Recent company acquisition might mean changes for policyholders
Basic coverages offered
American National home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:
Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.
Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.
Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.
Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.
Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.
Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.
Additional coverages offered
You can add these additional coverages to your American National homeowners insurance policy for even more protection:
Increased debris removal: Increases coverage limits to remove debris after a disaster.
Earthquake insurance: Protects your home and personal property from earthquake damage.
Increased additional living expenses: Covers the cost of hotel stays, restaurant bills, and other living expenses if you’re forced to live elsewhere after a covered loss while your home is repaired.
Identity theft: Offers everything from assistance with your credit reports to attorney fees resulting from identity fraud to help replacing personal identification documents destroyed in a natural disaster.
Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.
Renters insurance: Purchased by tenants, renters insurance covers the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.
Our price rating scale looks at home insurance rates for a policy with $300,000 in dwelling coverage, as well as the total number of discounts offered. American National's average annual rate of $1,940 is on par with the national average.
Our customer experience scale uses data from the National Association of Insurance Commissioners (NAIC) complaint index. American National earns a score of 0.31, which means it receives around 70% fewer complaints than expected for a company of its size. (The expected number would be 1.0.)
Our coverage options rating is based on both the number and quality of additional coverage and policy options offered by the company. American National scores above average compared to other regional home insurance companies.
Our financial strength rating is a weighted combination of three industry-leading metrics to measure a company’s financial health: A.M. Best, Standard & Poor’s, and Moody’s. American National earns an A rating from both A.M. Best and S&P, but it’s not rated by Moody’s.
How much does American National home insurance cost?
The average cost of home insurance with American National is $1,940 per year for a policy with $300,000 in dwelling coverage. This is on par with the national average of $1,899 per year.
Here’s the average yearly cost of American National home insurance for five different levels of dwelling coverage:
Dwelling coverage limit
Average annual cost
Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.
Compare home insurance quotes with top insurers in minutes
Customer service options: You can get in touch with an American National customer service rep by calling 800-899-6519, using the live-chat feature on its website, or logging in to your online account.
How to file a claim: You can file an American National home insurance claim through its mobile app, by logging in to your online account, by calling 800-333-2860, or by emailing firstname.lastname@example.org.
How to cancel your policy: You can cancel your American National home insurance policy by calling your American National agent (their contact info should be on your policy declarations page), by mail, or by visiting your local agent in person.
American National Insurance was recently purchased by Brookfield Reinsurance.
How is American National Insurance Company rated?
American National earns an A rating from both A.M. Best and Standard & Poor’s, two major credit-rating agencies that judge whether a company has the financial stability to pay out claims in the event of an economic downturn or major natural disaster.
What states does American National Insurance cover?
American National home insurance is available in all 50 states and Washington, D.C.
How do I cancel my American National home insurance policy?
You can cancel your American National home insurance policy by contacting your local agent directly.
Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.