Nevada's fourth largest insurer of homes, American Family Mutual Insurance Company, is lowering homeowners insurance premiums in Nevada an average of 4.3 percent effective Oct. 15, the Madison, Wis.-based insurer said this week.

Changes in premium amounts will vary based upon the type of policy, geographic area, level of fire protection, claims history and inflationary adjustments in coverage amounts, among other factors.

Effective Feb. 1, 2005, American Family also increased its homeowners insurance discount for Nevada insurance policyholders who also insure a qualifying automobile with the company.

Price is just one component of the value customers seek from their insurance company. Customers also should consider whether a company provides the personalized service of an agent, outstanding claim service, a broad array of quality products and the financial security to stand behind its products.

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