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 11/15/2025.
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275 reviews
from WalletHub and across the web
275 reviews from WalletHub and across the web
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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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Product: American Modern Insurance Group Home Insurance
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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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Product: American Modern Insurance Group Home Insurance
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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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Product: American Modern Insurance Group Home Insurance
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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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Product: American Modern Insurance Group Home Insurance
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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
Joseph Smith @tazmoe33
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1 Star Rating
We had American Modern for several years and never had a claim, so we were surprised and shocked when they quadrupled our rate from one year to the next (from $900.00 to over $3600.00). Their explanation was that we lived in an area where wildfires occurred. Wildfires occur in many areas of the country, but not everyone insured by AMI received rate increases like we did. We dropped AMI like a hot rock and found a more reputable company to deal with at a much better price.
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Product: American Modern Insurance Group Home Insurance
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American Modern Insurance Group
Arae @cheyray77
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1 Star Rating
This insurance company has been extremely difficult to work with. Agents do not answer or return phone calls. There was no issue with getting in touch with someone when I was inquiring about purchasing a policy. My case has been open for months.
I am unsure about this insurance company, as it seems as though they treat many of their customers this way.
Hopefully, I will be able to change to a better review if they uphold their promises in the policy.
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Product: American Modern Insurance Group Home Insurance
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American Modern Insurance Group
Crystal Bunney @cbunney_
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1 Star Rating
I have several policies with American Modern and may cancel all of them. I was told the company covered boat docks and was reputable in terms of coverage. After 80 mph winds destroyed our dock, American Modern is denying it, stating the dock was damaged by waves. However, our roof damage claim, which occurred on the same day, due to the wind, was approved. I guess waves damaged the roof! If this is how this company operates, I will not pay for coverage. When my family needs help, American Modern finds excuses. Be mindful of the increased rates American Modern charges... I thought paying extra would allow for better coverage. Not the case!
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Product: American Modern Insurance Group Home Insurance
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American Modern Insurance Group
bruceinpb @bruceinpb
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1 Star Rating
I've been with American Modern for 20 years. I added a second vintage car, and when I paid the bill, they applied it to my first vehicle and left the new one without insurance. They sent the bill to an incorrect address, which was entirely their fault. After 10 years of business with them, they couldn't even call me on the phone. I have canceled all my insurance with them, and please consider not using this disreputable company.
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Product: American Modern Insurance Group Car Insurance
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American Modern Insurance Group
siprez @siprez
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1 Star Rating
The customer service from this company is by far the worst experience I have ever had. I would not recommend American Modern Insurance!
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Product: American Modern Insurance Group Home Insurance
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American Modern Insurance Group
Glynis Butler @glynisbutler8
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4 Star Rating
Based on my experience, I don't understand all the terrible reviews. My rental property received roof damage from recent storms. I filed a claim, an adjuster came promptly, approved the claim, I got a check, and now my property has a new roof. They even paid for leak damage to the ceiling.
The reason I didn't give five stars was because of one lady who wouldn't return my calls. I left three messages. I then went on to another person. I contacted my agent, and within a day, I had been told the amount, and in two or three days, it hit my account. No complaints here.
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Product: American Modern Insurance Group Renters Insurance
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American Modern Insurance Group
stacy nicole @stacy749
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1 Star Rating
Do Not Recommend. I had a sudden water leak from my hot water heater, and they claimed it was wear and tear due to a small amount of rust on the top of the water heater, where it had been leaking for a couple of days. The claim was denied.
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Product: American Modern Insurance Group Home Insurance
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Review American Modern Insurance Group
American Modern Insurance Group Offers
Boat Insurance
Car Insurance
Commercial Auto
Home Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
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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