Finding the Right Insurance in Denver, CO: American Family Insurance Review

Picking the perfect insurance for your needs can feel overwhelming with endless options to weigh An experienced local agent makes a world of difference in finding the right fit This review will look at American Family Insurance’s Denver, CO office to see how they stack up for customer service, coverage, and premiums.

Overview of American Family Insurance Denver Office

The American Family Insurance office located in Denver, CO is owned by agency principal Abbie Davis Tanner. Abbie and her team have deep roots in the community and specialize in auto, home, life, business and other insurance products.

As part of American Family Insurance one of the nation’s largest property and casualty insurers the agency has access to top-rated products and competitive pricing. Yet as a local office, they offer the personalized touch of a family-run agency.

American Family’s Denver office has two locations to serve customers throughout the metro area. They hold an excellent 4.9 out of 5 rating for customer satisfaction across review sites.

What Denver Customers Say About American Family Insurance

Surveys of American Family Insurance reviews reveal customers highly value their attentive, caring approach. Common themes in feedback include:

• Helpful and patient – Customers describe the agents taking time to explain policies and answer all questions thoroughly.

• Proactive service – The agency regularly checks in to see if changes are needed to optimize coverage and pricing.

• Easy quoting and purchasing – Customers find getting quotes quick and enrolling in policies hassle-free.

• Strong claims service – When filed, claims are handled promptly, efficiently, and fairly.

• Competitive pricing – Most customers feel they get quality coverage at reasonable rates, especially when bundling.

• Community involvement – The agency actively gives back to local causes. Customers appreciate their commitment to the area.

The only negatives relate to billing errors the agency immediately resolved. Overall satisfaction is extremely high.

American Family Insurance Rates and Discounts in Denver

As an insurer with national scope, American Family Insurance can leverage their size to offer competitive base rates to start. Costs vary based on factors like:

• Type of insurance purchased – auto, homeowners, business, etc.
• Amount of coverage selected
• Exact location in the Denver metro area
• Specific details of the risk – driving record, claims history, age of home, etc.

The American Family Denver office proactively seeks out discounts customers qualify for:

• Multi-policy – Save up to 20% when bundling different insurance types
• Multi-vehicle – Insure all cars on one policy for lowered premiums
• Safety features – Newer cars with airbags, anti-lock brakes and other features score discounts
• Good student – Maintain at least a B average for significant savings
• Defensive driver – Take an approved course for 5-15% off
• Home security – Install alarm systems, fire extinguishers, etc. to save up to 20%

Taking advantage of every possible discount is the key to the lowest insurance rates.

American Family Insurance Coverages Offered in Denver

American Family Insurance through the Denver agency provides all major lines of insurance. Here is an overview:

Auto Insurance

• Liability – Bodily injury and property damage coverage
• Collision – Repairs to your vehicle after an accident
• Comprehensive – Protection against theft, vandalism, weather damage
• Uninsured motorist – Covers injuries if the other driver has no insurance
• Medical payments – Reimburses medical treatment costs up to policy limits

Homeowners & Renters Insurance

• Dwelling coverage – Pays to repair or rebuild damaged home
• Personal property coverage – Replaces stolen or damaged possessions
• Liability insurance – Protects if someone is injured on your property
• Flood insurance – Covers damage from floods
• Fire and wind damage – Protects against common disasters in Denver

Business Insurance

• General liability – Covers claims of bodily injury or property damage
• Professional liability – Protects against errors, omissions or negligence
• Commercial property – Safeguards office space, equipment, tools, and inventory
• Workers’ compensation – Covers injuries employees sustain on the job
• Cyber liability – Provides protection against data breaches and other digital risks

Life Insurance

• Term life – Temporary coverage for 10-30 years
• Whole life – Lifelong coverage as long as premiums are paid
• Universal life – Flexible, adjustable protection

How American Family Insurance Handles Claims in Denver

Perhaps most important is how an insurer handles claims when disaster strikes. American Family Insurance’s Denver office earns praise for making the claims process smooth and efficient:

• Dedicated claims staff with deep expertise in getting optimal results
• Prompt response to begin working the claim right away
• Agents proactively interface with claims adjusters to speed resolution
• Strong advocacy ensures policyholders get everything they are entitled to
• Most claims processed very rapidly with payments issued quickly

By all accounts, the American Family Denver team goes above and beyond to take care of customers and make the claims experience painless.

Top Alternatives to American Family Insurance in Denver

While American Family Insurance satisfies most customers, it can be helpful to consider a few competing agents:

Stewart and Tate Insurance – Well-reviewed local independent agency in Denver offering similar policies

Allstate – Top national insurer with local agents providing auto, home, and financial products

Farmers Insurance – Major carrier with Denver area offices offering a full range of insurance

Is American Family Insurance the Right Choice in Denver?

Finding the perfect insurance match means balancing cost, service, and coverage. For personalized attention from agents who form lasting relationships with customers, American Family Insurance’s Denver office is tough to beat.

Backed by the capabilities of a leading national insurer, yet locally owned and operated, American Family Insurance delivers excellent customer care coupled with robust, affordably priced protection. For many Denver area families and businesses, they are the ideal insurance fit.