Be prepared to have your premiums increase $8 a month every single year. Yes I said $8 a month. And they also put you in a higher premium bracket if your credit score isn't near perfect. I've had this insurance for about 15 years and finally I'm dumping them after my premiums kept dramatically increasing every year. They had me paying a whopping $80 a month for minimal insurance coverage on my run down 75 year old home. Good buy American Family, I will not miss you.