American Modern is a widely recognized, national leader in the specialty insurance business. With close to 50 years experience in the manufactured housing insurance sector, the company delivers specialized products and services for residential property and the recreational market. One of its newest lines is pet health insurance. The company is headquartered in suburban... show more
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American Modern Insurance Group Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 06/30/2026.
1.8
728 reviews
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728 reviews from WalletHub and across the web
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American Modern Insurance Group
shane_franz @shane_franz
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1 Star Rating
I have 10 policies with American Modern for rental properties I own. Mortgage loan company paid insurance through escrow and sent them a "bulk check" - which was tracked and insured. American Modern lost the check, and instead of calling me or alerting me to any issues, immediately canceled my policy when the policy ended. No grace period or any attempt at customer support. After multiple calls through both the escrow Dept at my mortgage and AM they found the check. The worst part? "Well issue a check in the next 2-3 weeks and please allow 10 days in the mail for it to arrive!" Funny - when they want time to issue the check we are expected to wait, but when it's on their end they cancel immediately. Just poor customer service.
In addition, literally get hundreds of mail pieces from them. Duplicates, because my wife and I are both listed on the policies - I can't imagine how much of the cost of insurance is just for postage. The company cannot figure out how to offer electronic service as they force each policy to be tied to a different email address. (Why? I HAVE ONLY ONE EMAIL ADDRESS!). In any event, I'm stuck getting a ridiculous volume of mail.
I'm genuinely not happy with their level of customer care. I haven't even had a claim! I'll be looking elsewhere for renewals.
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Product: American Modern Insurance Group Home Insurance
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American Modern Insurance Group
gardellaprop @gardellaprop
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1 Star Rating
I had a rental property insured with American Modern. During a loan process, the lender discovered the policy was not for "full replacement cost". I contacted my broker to coordinate with the company to change it. After jerking me around for over two weeks (most insurers can process such requests in minutes), my request was denied. The reason being, that they do not offer "full replacement cost" as an option. Their policy says "full repair cost", which only covers up to the max listed amount. Also, no code upgrade coverage. If it takes them that long to process a policy change, I cannot imagine how they might be if they actually had to pay a claim. My opinion is to avoid them at all costs.
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American Modern Insurance Group
clsinnovations @clsinnovations
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1 Star Rating
What a rip off! Forced to pay for for insurance that will not cover anything! And Don’t waste your time and your hard earned money on this (insurance?), when you need them, they will not be there for you!!!
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American Modern Insurance Group
Jael Ramos @jaelonix55
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1 Star Rating
’m sharing my experience to help others make informed decisions. My name is Jael Ramos, and unfortunately, I’ve had a very disappointing experience with American Modern. I paid my policy in full upfront, expecting reliable coverage and support when needed. However, when I filed a claim for a small roof leak of something that can be repaired for around $1,000, I was shocked by how it was handled. The adjuster initially indicated that this should be a straightforward, covered claim. But later, I was informed that the company would not cover the repair at all. Instead, I was told I would need to fix it out of pocket or risk having my policy canceled. This feels extremely unfair. As a paying customer, I trusted that my insurance would provide protection when needed, not create additional stress or ultimatums. Being asked to handle a clearly minor repair on my own, after paying a significant premium, is unacceptable. I strongly encourage others to carefully review their options before choosing an insurance provider. Based on my experience, I cannot recommend this company. If I could give zero stars, I would.
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American Modern Insurance Group
blueheartwi @blueheartwi
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1 Star Rating
You only know how well an insurance company is by how they handle their claims. This company handles their claims poorly. There was a house fire in one of our tenants units. Insurance was file immediately. I asked the claims adjuster Daniel K if there was displacement coverage and he stated he will have to review the policy and let me know if there was an endorsement. I never heard back. Once the fire report was made available, it took weeks with no communication before anything was paid out. The next communication received was informing me that a check was mailed out, but it was mailed to myself and the lienholder. The lienholder on the check is not the lienholder for the property. So I have a check that I can not cash to start repairs and schedule inspections and the Adjustor Daniel nor his supervisor Steve have gotten back to me. Fire was in January. Now entering in April.
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American Modern Insurance Group
financejamesdonovan @financejamesdonovan
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1 Star Rating
Takes premiums and doesn't pay the underwriting company. Fraud and theft.
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American Modern Insurance Group
joelabarb @joelabarb
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1 Star Rating
I had been a policyholder for a manufactured home with American Modern and recently renewed, even though there was a substantial annual increase with no claims. Soon after, I was due to renew my auto insurance and found that by bundling that and homeowners insurance with another company, I could realize substantial savings.
I canceled the policy with American Modern five days into the annual term and just found out the company kept $100.00, which is 12% of the entire annual premium. The representative I spoke to for the reason that much was not returned stated that it is a minimum cost per company policy. I have canceled and switched other insurances throughout my life and have always received a prorated amount.
I will never recommend American Modern, and in fact, I will relay this experience to others who are looking for manufactured home insurance. Customer satisfaction matters, although it appears not to this company.
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American Modern Insurance Group
Patrick Jaynes @patrick14501
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1 Star Rating
After one year, they raised home insurance by 42%, despite no claims. Just a bait-and-switch company. Move to State Farm for better coverage at a lower premium. I would have given zero stars if possible.
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American Modern Insurance Group
Kenneth Crooks @kennethwcrooks
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1 Star Rating
I would give zero stars if I could. I submitted a claim for minor damage from a tornado about a year ago. At that time, I was working on updating the shingles on my roof. The claim had nothing to do with the roof. I just received less than a two-month notice that they will not be renewing my insurance. They listed everything they could find wrong with my house, all because I made a claim. Never use this company.
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American Modern Insurance Group
nvintzileos @nvintzileos
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1 Star Rating
I was cancelled and the pictures they sent me were of Trump flag I had in my front yard so it just shows that its a very political driven company not based on facts. You're better off not wasting your time with this company
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American Modern Insurance Group
Curt Wilhelm @curtw37
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1 Star Rating
Wish I could give zero stars! I called American Modern Insurance Company, got a great quote for a new policy for a limited production car which is 15 years old. When I called a second time to initiate the policy, I was asked for everything and anything, photos, personal information on family members, and this process dragged along due to underwriting. I was finally told my classic car was only to be covered for $32,000. I could not even buy a competitive vehicle or the same vehicle to replace my present car. The agent was rude, uninformed, and told me they could insure if my vehicle had upgrades or a different motor. How about originality? They knew nothing about that. Referred to them by NJM Insurance, I am questioning their ability also. American Modern says they insure for agreed value, but they certainly do not. Stay far away from these people.
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Product: American Modern Insurance Group Car Insurance
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American Modern Insurance Group
sal waheibi @salwaheibi
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1 Star Rating
This is a horrible and unreliable company. My adjuster did not care what statements I needed to offer. The adjuster was unprofessional and unreliable. I am moving on to a different company starting October 2025. I will give this company a score of zero.
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American Modern Insurance Group
Enrique Robles @Kike2002
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1 Star Rating
I’ve been a policyholder with American Modern Insurance for over 14 years, since I became a homeowner. They were my only insurance company — until now. After how they handled my recent claim, I will never use them again, and I strongly warn others to avoid them.
I filed a claim after a sudden sewer line break caused sewage water to flood the crawl space of my home. This created hazardous conditions and led to secondary water damage, including: • Moist drywall • Damaged laundry room flooring • Sinking concrete • And required emergency mitigation
I removed the sewage water immediately to protect my family’s health, as the smell caused nausea and headaches. I submitted plumber reports, photos, inspection results, and a formal demand letter. My policy even contains an “ensuing loss” clause, which should have provided coverage for the secondary damages.
Despite all this, American Modern categorically denied my claim, citing wear and tear and refusing to acknowledge the covered aspects. I escalated to the California Department of Insurance, and yet they continued with copy-paste denials and avoided directly answering my arguments.
At one point, they even wrongly suggested that tree roots caused the damage, despite photos and a plumber’s statement confirming no such roots were present.
This experience has not only cost me financially — it caused severe emotional distress due to the unsafe conditions and gaslighting by their team. I’ve now been forced to seek legal action just to get fair treatment.
After 14 years of loyalty, this is how they treated me. Do not trust them to protect your home or your peace of mind. They are unresponsive, misleading, and clearly put profit over people.
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Product: American Modern Insurance Group Home Insurance
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American Modern Insurance Group
clandra clark @clandraclark91
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1 Star Rating
This company is by far the worst rental insurance place I have ever encountered in my life! Their communication is horrible; they take months to resolve your case and fabricate all kinds of lies. Do not use this company. I'm telling you now, you will regret it. Look at all the bad reviews they have.
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Product: American Modern Insurance Group Renters Insurance
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American Modern Insurance Group
Nathan Tupman @sail4455
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1 Star Rating
I've been a paying customer for over five years, and every single year my premium has increased—even though I've never filed a single claim on anything: home, auto, or boat. I also have excellent credit (770+), and there have been no changes to my property or risk profile.
This year, they raised my homeowners insurance by 36%, which is outrageous. I contacted them for an explanation and got nothing but generic excuses about "market conditions." No transparency, no accountability.
Loyal, claim-free customers shouldn't be penalized like this. I'm actively shopping for a new company that actually values long-term clients.
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Product: American Modern Insurance Group Home Insurance
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American Modern Insurance Group Q&A(10 questions)
Get answers to your questions about American Modern Insurance Group below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Yes, American Modern offers classic car insurance. Classic car insurance from American Modern is a specialty type of coverage designed for vehicles like classics and antiques that are 25+ years old and not used for daily driving or commuting. American Modern offers classic car insurance in all 50 states.
Because classic cars are on the road less than normal vehicles, classic car insurance is cheaper than typical policies, costing an average of $400 to $1,000 per year depending on the vehicle.
American Modern Classic Car Insurance Eligibility Requirements
American Modern has no defined age requirements, but the vehicle must have some sort of collector, antique, or classic value and be cared for and driven in the spirit of collector cars.
The insured vehicle must be stored in a secured facility that is locked and fully enclosed, though carports may be allowed.
American Modern offers annual mileage policies of 1,000, 3,000, 6,000, or unlimites miles, but regardless of the mileage plan chosen, the insured vehicle must only be used for club functions, exhibits, meets, tours, and occasional pleasure driving.
The insured driver must have a separately insured vehicle for daily driving, and the vehicle title must be held by an individual, trust, LLC, or corporation.
Types of Vehicles Eligible for American Modern Classic Car Insurance
Classics
Antiques
Muscle cars
Exotics
Street rods
Replicas
Retired military vehicles
Classics and antiques in the process of restoration
Vehicles that are used as a back-up vehicle or for daily use are generally not eligible for car insurance from American Modern due to how they are used or because they have an increased risk associated with them.
The HO3 policy is designed for one-family homes that are owner-occupied, not rented. Thus, if you planning on owning your property, you might need an HO3 policy. This policy covers your house as well as private structures and personal belongings on premises. HO3's also include personal liability and medical payments, protecting you from claims alleging you caused bodily injury or property damage to someone.
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