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American Family — HonestPolicy Grade

Overall: B (score 52.0/100) · methodology v0.2.1 · generated 2026-07-10

Every figure on this page links to the public government record it was computed from (see Sources & provenance). The grade aggregates the complaint experience of all American Family underwriting companies identified in each source, listed below with their raw complaint and exposure counts.

Automobile: B score 53.6/100 · composite relative index 0.86 · 7 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Automobile2025525,5392,48015,044,7981.19[tx]0.3
TX Automobile2024426,4031,59414,898,9761.42[tx]0.12
CA Automobile202519629,2421,78628,998,8650.49[ca_auto]0.2
CA Automobile202418629,2421,38828,998,8650.60[ca_auto]0.12
CA Automobile202314629,24285728,998,8650.75[ca_auto]0.08
NY Automobile20243$112.3M629$18,428M0.78[ny]0.12
NY Automobile20234$108.4M445$16,202M1.34[ny]0.06

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025AMERICAN FAMILY CONNECT PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 29068)520,8691.45 (TDI index)
TX · 2025MIDVALE INDEMNITY COMPANY (NAIC 27138) (tiny book — below the credibility floor on its own)04,6700.0 (TDI index)
TX · 2024AMERICAN FAMILY CONNECT PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 29068)425,5501.46 (TDI index)
TX · 2024MIDVALE INDEMNITY COMPANY (NAIC 27138) (tiny book — below the credibility floor on its own)08530.0 (TDI index)
CA · 2025/2024/2023AMERICAN FAMILY CONNECT P&C INSURANCE COMPANY (CDI rank 24)51 (3yr)629,2422025: 3.0, 2024: 2.8, 2023: 2.1 (per 100k)
NY · 2024AMERICAN FAMILY CONNECT INSURANCE COMPANY (NAIC 12504) (tiny book — below the credibility floor on its own)0 (upheld, of 1 total)$13.1M (premiums)0.0 (DFS ratio, rank 15)
NY · 2024AMERICAN FAMILY CONNECT PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 29068) (tiny book — below the credibility floor on its own)0 (upheld, of 5 total)$5.8M (premiums)0.0 (DFS ratio, rank 24)
NY · 2024Midvale Indemnity Company (NAIC 27138) (tiny book — below the credibility floor on its own)0 (upheld, of 2 total)$2.4M (premiums)0.0 (DFS ratio, rank 42)
NY · 2024NGM Insurance Company (NAIC 14788) (tiny book — below the credibility floor on its own)0 (upheld, of 1 total)$3.2M (premiums)0.0 (DFS ratio, rank 35)
NY · 2024Main Street America Assurance Company (NAIC 29939) (tiny book — below the credibility floor on its own)0 (upheld, of 2 total)$5.0M (premiums)0.0 (DFS ratio, rank 30)
NY · 2024Main Street America Protection Insurance Company (NAIC 13026)3 (upheld, of 18 total)$74.4M (premiums)0.040299093 (DFS ratio, rank 75)
NY · 2024Old Dominion Insurance Company (NAIC 40231) (tiny book — below the credibility floor on its own)0 (upheld, of 1 total)$8.4M (premiums)0.0 (DFS ratio, rank 20)
NY · 2023AMERICAN FAMILY CONNECT INSURANCE COMPANY (NAIC 12504) (tiny book — below the credibility floor on its own)1 (upheld, of 4 total)$11.4M (premiums)0.087357306 (DFS ratio, rank 104)
NY · 2023AMERICAN FAMILY CONNECT PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 29068) (tiny book — below the credibility floor on its own)0 (upheld, of 3 total)$5.9M (premiums)0.0 (DFS ratio, rank 26)
NY · 2023Midvale Indemnity Company (NAIC 27138) (tiny book — below the credibility floor on its own)0 (upheld, of 4 total)$3.9M (premiums)0.0 (DFS ratio, rank 37)
NY · 2023NGM Insurance Company (NAIC 14788) (tiny book — below the credibility floor on its own)0 (upheld, of 0 total)$3.5M (premiums)0.0 (DFS ratio, rank 39)
NY · 2023Main Street America Assurance Company (NAIC 29939) (tiny book — below the credibility floor on its own)0 (upheld, of 3 total)$5.2M (premiums)0.0 (DFS ratio, rank 31)
NY · 2023Main Street America Protection Insurance Company (NAIC 13026)2 (upheld, of 8 total)$69.6M (premiums)0.028736649 (DFS ratio, rank 76)
NY · 2023Old Dominion Insurance Company (NAIC 40231) (tiny book — below the credibility floor on its own)1 (upheld, of 1 total)$9.0M (premiums)0.111328598 (DFS ratio, rank 107)

Homeowners: B score 50.5/100 · composite relative index 0.98 · 5 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Homeowners202573364,5681,1539,068,5181.57[tx]0.3
TX Homeowners202432351,8667339,050,7531.12[tx]0.12
CA Homeowners202516507,96350111,946,3010.75[ca_home]0.2
CA Homeowners202426507,9631,26511,946,3010.48[ca_home]0.12
CA Homeowners202322507,96367911,946,3010.76[ca_home]0.08

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025MIDVALE INDEMNITY COMPANY (NAIC 27138) (tiny book — below the credibility floor on its own)01,5140.0 (TDI index)
TX · 2025HOMESITE INSURANCE COMPANY (NAIC 17221)65293,9761.74 (TDI index)
TX · 2025HOMESITE INDEMNITY COMPANY (NAIC 20419)115,7270.5 (TDI index)
TX · 2025HOMESITE LLOYD'S OF TEXAS (NAIC 11237)753,3511.03 (TDI index)
TX · 2024AMERICAN FAMILY CONNECT PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 29068) (tiny book — below the credibility floor on its own)42,48419.93 (TDI index)
TX · 2024MIDVALE INDEMNITY COMPANY (NAIC 27138) (tiny book — below the credibility floor on its own)06,0290.0 (TDI index)
TX · 2024HOMESITE INSURANCE COMPANY (NAIC 17221)26266,8881.21 (TDI index)
TX · 2024HOMESITE INDEMNITY COMPANY (NAIC 20419)023,2740.0 (TDI index)
TX · 2024HOMESITE LLOYD'S OF TEXAS (NAIC 11237)253,1910.47 (TDI index)
CA · 2025/2024/2023AMERICAN FAMILY CONNECT P&C INSURANCE COMPANY (CDI rank 26)16 (3yr)84,6112025: 2.4, 2024: 7.1, 2023: 5.0 (per 100k)
CA · 2025/2024/2023HOMESITE INSURANCE COMPANY OF CALIFORNIA (CDI rank 16)21 (3yr)258,0712025: 1.9, 2024: 3.9, 2023: 2.6 (per 100k)
CA · 2025/2024/2023HOMESITE INSURANCE COMPANY OF THE MIDWEST (CDI rank 41)27 (3yr)165,2812025: 5.4, 2024: 7.8, 2023: 14.8 (per 100k)

HonestPolicy Grades are calculated independently and without the endorsement of the NAIC, the Texas Department of Insurance, the California Department of Insurance, or the New York State Department of Financial Services. Underlying complaint statistics are public records of the named state agencies.

A HonestPolicy Grade is an editorial opinion about relative complaint experience, derived arithmetically from the public records cited on this page. It is not a recommendation to buy or avoid any insurance product. See methodology (v0.2.1) for the exact formula.

Sources & provenance

[tx] Texas Department of Insurance — Complaint indexes and policy counts for insurance companies — Texas Department of Insurance.
https://data.texas.gov/dataset/Complaint-indexes-and-policy-counts-for-insurance-/pa9u-9s9w
Retrieved 2026-07-10T10:07:49+00:00. Published on the Texas Open Data Portal for public reuse. Complaint index values are calculated by TDI.
[ca_auto] California Department of Insurance — 2026 Consumer Complaint Study (Automobile composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Auto.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ca_home] California Department of Insurance — 2026 Consumer Complaint Study (Homeowners composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Home.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ny] New York State Department of Financial Services — Automobile Insurance Company Complaint Rankings: Beginning 2009 — New York State Department of Financial Services.
https://data.ny.gov/Government-Finance/Automobile-Insurance-Company-Complaint-Rankings-Be/h2wd-9xfe
Retrieved 2026-07-10T10:07:51+00:00. Published on Open Data NY for public reuse. Per DFS: insurers are ranked by upheld consumer complaints (complaints where DFS agreed the insurer made an inappropriate decision) as a share of automobile premiums written in New York State; the ratio column is upheld complaints per $1 million of premium as calculated by DFS.

Full machine-readable provenance for every figure: data/grades.json (methodology v0.2.1, generated 2026-07-10T10:22:02+00:00).