American National Homeowners Insurance

Our new homeowners policy offers what we believe is the most comprehensive coverage in the industry. We automatically include a host of features not even offered by most insurers. Combine that with our wide array of options, and you can create a policy that fits your exact needs.

Beth is ready to explain your options and help you select the coverage that's right for you.

The Right Coverage...at a Glance

Contents Replacement Cost

Our policy covers your personal belongings at "replacement cost." Many policies cover your items for only a partial, or depreciated value. Not us. We will pay to fully repair or replace your covered belongings with new items of like kind and quality. In the event of a loss, this coverage could potentially save you thousands of dollars.

Home Systems Breakdown Coverage

We think it's important to help clients protect the home systems and equipment they rely on every day. This unique offering covers a wide range of critical systems, including:

  • Central air conditioning
  • Boilers, furnaces, heat pumps and water heaters
  • Radiant and geothermal heating systems
  • Backup generators
  • Solar heaters
  • Ventilation systems and fans
  • Electrical service panels
  • Pool and spa equipment
  • Central vacuums

Service Line Coverage

You may not realize it, but as a homeowner, you are responsible for repairs to underground pipes and wiring on your property that carry services and utilities like water, power, data and communications to your home. American National is one step ahead of the competition by including service line coverage as part of our base policy. It's just another example of the right coverage.

Get Cashback Rewards

If you purchase both auto and home policies and remain claim-free for three years, we'll send you a check totaling 25% of the premiums you paid for the first year. You'll receieve a check each year thereafter that you remain claim-free. Learn more about Cashback.

Click for legal information

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, Texas. or Farm Family Life Insurance Company, Glenmont, NY.

Personal insurance is issued by American National Property And Casualty Company (ANPAC®), its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (serviced by ANPAC®-Texas), and ANPAC® Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Commercial insurance is issued through Farm Family Casualty Company, Glenmont NY in CT, DE, MA, ME, NH, NJ, NY, RI, VA, VT and WV and United Farm Family Insurance Company in MD and PA.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustrative purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy or for more information about coverage options and availability, talk to your American National agent. Eligibility guidelines apply. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.

© 2014 Beth Mangus