American Family Insurance was established in 1927 when insurance salesman Herman Wittwer opened the doors of Farmers Mutual Insurance Company in Madison, Wisconsin.

At the time, American Family Insurance only carried auto insurance and most of its customers were farmers.

Beginning with 3 employees and 346 policy holders it is currently the third largest mutual property and casualty insurer in the nation. Today, they offer auto, homeowners, life, health insurance, commercial and farm/ranch insurance, plus consumer loans and annuities in 17 states. They employ approximately 7,600 people and have 3,900 agents.

American Family policyholders can purchase identify fraud coverage as a separate endorsement to their homeowners policy. The endorsement, which costs $25 per year, provides up to $15,000 in coverage for expenses the policyholder may incur to address acts of identify fraud.

Covered expenses include attorney fees, loan re-application fees, telephone and certified mail charges, notary expenses and lost wages for time taken off work to correct the fraud.

American Family Insurance does not provide re-imbursement for expenses charged by the thief under the policyholder’s name, such as credit card purchases or loans. These expenses are usually absorbed by banks and other credit grantors.

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