2025 American Modern Insurance Review Detailed Review
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Are you considering American Modern Insurance but aren’t sure if they’re the right fit for your needs?Wondering if they’re reliable or worth your time? In this review, we’ll break down who they are, what they offer, and whether they’re a smart choice for your insurance needs.
Who Is American Modern Insurance?
Founded in 1965 as The Midland Company near Cincinnati, American Modern Insurance started as a personal finance company helping customers purchase automobiles and manufactured homes.
Over time, they shifted focus to mobile home insurance and later expanded into a wide range of specialty insurance products. In 2008, American Modern was acquired by Munich Re, one of the largest reinsurance companies in the world — adding financial stability and global backing to their services.
What Types of Insurance Does American Modern Offer?
American Modern Insurance specializes in covering properties and items that traditional insurance companies often avoid. Their products include:
- Vacant homes
- Rental properties
- Seasonal homes
- Mobile homes
- Condominium insurance
- Renters insurance
- Recreational vehicle insurance
(including watercraft, motorcycles, snowmobiles, travel trailers, and motor homes) - Pet health insurance
This wide range of coverage makes American Modern a great choice for non-traditional homes and unique personal property.
Financial Strength & Stability
Thanks to their parent company, Munich Re, American Modern benefits from excellent financial backing.
- A.M. Best Rating: A+ (Superior)
- This rating indicates strong financial stability and a reliable ability to pay claims — even during challenging times or after natural disasters.
Customer Satisfaction: Pros & Cons
Like any insurer, American Modern isn’t perfect. Here’s what you should know:
✅ Better Business Bureau Rating: A+
❌ NAIC Complaint Index: Slightly higher than average, which suggests they receive more customer complaints compared to similar-sized insurers.
Availability
American Modern Insurance is available in all 50 states and the District of Columbia — meaning you can explore their policies no matter where you live.
Should You Choose American Modern?
If you’re insuring a vacant home, rental property, recreational vehicle, or a specialty asset — American Modern could be a solid choice. However, choosing the right insurance company can be complex, especially when you’re comparing options across multiple carriers.
That’s why we recommend working with an independent insurance agent. An agent can:
- Compare quotes from over 200 insurance carriers, including American Modern.
- Offer personalized advice based on your state and your situation.
- Help you find the best coverage at the lowest price — all at no extra cost to you.
✅ If you’d like help finding the right agent, visit us at The Yukon Project. Our trusted partner network can quickly connect you with licensed experts in your area.
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