---
title: "American Modern Insurance Group Review [Updated 2026]"
description: "American Modern is a specialty insurer that offers homeowners insurance for hard-to-insure properties, collectible car insurance, and insurance for specialty vehicles such as watercraft and ATVs."
canonical: "https://www.coveragecat.com/reviews/american-modern-insurance-group-review"
last-updated: "2026-08-13"
---

# American Modern Insurance Group Review [Updated 2026]

1. [Introduction to American Modern Insurance](#introduction)
2. [What Kinds of Insurance Does American Modern Offer?](#kindsofinsurance)
3. [How Does American Modern Insurance Work?](#howdoesitwork)
4. [Pros and Cons of American Modern Insurance](#proscons)
5. [Ratings and Customer Feedback for American Modern Insurance](#ratings)
6. [Get Customer Support Or File A Claim For American Modern Insurance](#customersupport)
7. [Frequently Asked Questions](#faq)

###  <a id="introduction"></a>Introduction to American Modern

[American Modern Insurance Group, Inc. (AMIG)](https://policyholders.amig.com/content/munichre/amiggrp/policy-holder/storefront/en/landing-page/company-.html), headquartered in Amelia, Ohio, is a [specialty insurance company](https://amig.com/insurance/) that offers products and services for residential property, including manufactured homes and specialty dwellings such as tiny houses; the recreational market (for example, boats and personal watercraft); [classic or collector cars](https://amig.com/classic-car-insurance); and pet health. American Modern, through its subsidiaries, writes admitted and non-admitted policies in all 50 states. American Modern's non-admitted policies may have more flexibility on coverage and rates than admitted carriers can offer.

[American Modern was first established as The Midland Company in the 1930s](https://policyholders.amig.com/content/munichre/amiggrp/policy-holder/storefront/en/landing-page/company-.html), and provided financing for consumer automobile purchases. By the 1960s, they entered the mobile home insurance market and established the American Modern Home Insurance Company and the American Family Home Insurance Company. 

In 2008, American Modern was purchased by Munich Re, an international group that operates in a broad array of insurance sectors and in reinsurance. Today, [American Modern operates with $2.2 billion in premium volume](https://policyholders.amig.com/content/munichre/amiggrp/policy-holder/storefront/en/landing-page/company-.html) and employs nearly 1,200 associates. Munich Re and its subsidiaries, which include American Modern Home Insurance Company, American Modern Insurance Company in California, American Family Home Insurance Company, American Southern Home Insurance Company, American Modern Lloyds Insurance Company, American Modern Select Insurance Company, American Western Home Insurance Company, [are AM Best A+ (Superior) Rated](https://news.ambest.com/PR/PressContent.aspx?altsrc=1&refnum=16720) as of 2026.

In early 2026, American Modern announced a leadership transition. [(Munich Re, "Leadership Transitions at HSB and American Modern", 2025)](https://www.munichre.com/en/company/media-relations/media-information-and-corporate-news/business-news/2025/business-news-2025-12-16.html) reports that CEO Andreas Kleiner retired in Q1 2026 after serving since 2016, with Kathleen O. Zortman assuming the role of CEO and President effective March 2, 2026.

###  <a id="kindsofinsurance"></a>What Kinds of Insurance Does American Modern Offer?
American Modern Insurance Group (AMIG) offers insurance for manufactured homes, difficult-to-insure homes, rental properties, vacation homes, vacant property, condo units, collector cars, recreational vehicles, and pets. In January 2026, [American Modern launched a new Farm and Ranch Insurance Program in partnership with Bridge Specialty Group](https://www.reinsurancene.ws/munich-res-american-modern-introduces-farm-and-ranch-insurance-program-with-bridge-specialty-group/), initially available in nine states including Arizona, Minnesota, New Mexico, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, and Wisconsin, with plans to expand to additional states by 2027.

| **Coverage Type** | **Specialty Focus** | **Availability** |
|-------------------|---------------------|------------------|
| Homeowners | Hard-to-insure properties, manufactured homes, specialty dwellings | All 50 states |
| Rental Property | Investment properties, landlord coverage | All 50 states |
| Vacation Homes | Seasonal and secondary residences | All 50 states |
| Collector Cars | Classic, antique, exotic vehicles | All 50 states |
| Recreational Vehicles | Boats, motorcycles, ATVs, snowmobiles | All 50 states |
| Farm and Ranch | Agricultural properties and operations | 9 states (expanding) |
| Pet Health | Pet insurance coverage | Availability varies |

###  <a id="sellauto"></a>Does American Modern Sell Auto Insurance?
American Modern Insurance Group (AMIG) sells insurance for [collector cars](https://policyholders.amig.com/content/munichre/amiggrp/policy-holder/storefront/en/landing-page/recreational/collector-vehicle.html) and other personal recreational vehicles such as golf carts or snowmobiles. American Modern auto insurance specializes in classic, antique, and exotic vehicles such as muscle or hot rod cars. Collector car insurance is not meant for standard autos, but rather for cars used for car shows, parades, exhibitions, and occasional driving. 

A collector car policy from American Modern will be based on agreed value, which is the amount a policyholder and insurance company agree is the total value in the event of a covered total loss. These policies may also be customized with endorsements such as trailer physical damage, collision, medical payments or uninsured motorist coverage.

###  <a id="sellprimary"></a>Does American Modern Sell Homeowners Insurance?
[American Insurance Group (AMIG) offers specialty homeowners insurance](https://policyholders.amig.com/content/munichre/amiggrp/policy-holder/storefront/en/landing-page/residential/homeowners.html) for owner-occupied single family homes, duplexes, and condo units that other carriers may not insure due to catastrophic risks or other reasons; rental properties; vacation homes; vacant properties; and mobile homes. 

[(U.S. News & World Report, "American Modern Homeowners Insurance Review", 2026)](https://www.usnews.com/insurance/homeowners-insurance/american-modern) notes that American Modern offers five levels of home insurance: Homeowners, Homeowners FLEX, Dwelling Special, Dwelling Basic, and Manufactured Homes. "Homeowners" is intended for homes that may be denied standard coverage for their age or location. These policies offer limited coverage, including named peril (only specifically listed causes of loss are covered) and actual cash value (ACV) settlement. "Homeowners FLEX" is more similar to a standard HO-3 policy, and offers open-peril protection and replacement cost value (RCV) settlement. Availability of these policies will vary state by state.

According to [(Grandfolk, "American Modern Insurance Reviews: You Can Trust", 2025)](https://grandfolk.com/american-modern-insurance-reviews/), the average national annual cost for $300,000 dwelling coverage is approximately $2,181, which may be competitive for properties considered difficult to insure through standard markets.

###  <a id="sellsecondary"></a>Does American Modern Sell Liability Insurance?
Yes, American Modern Insurance Group (AMIG) sells liability insurance through its property, auto, and other vehicle coverage. They do not offer personal umbrella insurance.

###  <a id="howdoesitwork"></a>How Does American Modern Insurance Work?
[To get a quote from American Modern, you need to contact a local insurance agent or broker in your area](https://my.doculivery.com/stylesandimages/AMIG/AgentLocator/AgentLocator.html). American Modern does not generate online quotes or allow you to purchase from them directly, but instead works with a national network of brokers and agents.

###  <a id="customersupport"></a>Get Customer Support Or File A Claim For American Modern Insurance

[Policyholders can log onto their accounts 24/7](https://myaccount.amig.com/) and can [pay their premiums online or by calling a representative or sending a check](https://amig.com/customer/). They can also [file claims](https://amig.com/customer/file-a-claim/) online, with a representative over the phone by calling (800) 375-2075, or by writing or faxing.

[(American Modern Insurance Group, "File a Claim", 2026)](https://blog.amig.com/customer/file-a-claim/) states that the company employs more than 150 in-house claims adjusters with hands-on training and offers a video claims resolution tool for virtual adjuster connections. The company also uses remote sensing technology for aerial photographs of catastrophe-impacted areas to expedite claims processing.

## <a id="proscons"></a>Pros and Cons of American Modern

<div class="grid">
  <div class="column">
    <p><b>Pros</b></p>
    <ul>

<li><a href="https://news.ambest.com/PR/PressContent.aspx?altsrc=1&refnum=16720">American Modern policies are A+ (Superior) rated by AM Best.</a></li>
<li>American Modern offers policies for risks that other companies may not cover.</li>
<li>Rates may be lower than other carriers due to specialized offerings and the ability to buy less coverage.</li>
<li>NAIC complaint index of 0.71 indicates fewer complaints than expected for the company's size.</li>
<li>Employs over 150 in-house claims adjusters and offers video claims resolution technology.</li>

</ul>
  </div>
  <div class="column">
    <p><b>Cons</b></p>
    <ul>

<li>Homeowners policies may offer less coverage for your home, including requiring ACV coverage and covering a more limited range of losses.</li>  
<li>American Modern Auto Insurance is limited to specialty vehicles, making it difficult to bundle your policies.</li>
<li>Must work through insurance agents or brokers, no direct online quotes available.</li>
<li>Customer reviews cite concerns about premium increases and claims handling delays.</li>

  </div>
</div>

## <a id="ratings"></a>Ratings and Customer Feedback for American Modern Insurance

American Modern insurance rating information comes from several sources. The company maintains strong financial strength credentials but receives mixed customer feedback on service delivery.

| **Rating Source** | **Rating** | **Details** |
|-------------------|-----------|-------------|
| AM Best | A+ (Superior) | Financial strength rating for Munich Re subsidiaries including American Modern |
| Better Business Bureau | BBB Accredited | Accredited since December 1, 1947 |
| NAIC Complaint Index | 0.71 | Fewer complaints than expected for company size |
| BBB Complaints | 165 complaints | Filed in last three years, 69 closed in past 12 months |

[(Better Business Bureau, "American Modern Property and Casualty Insurance Company BBB Business Profile", 2026)](https://www.bbb.org/us/oh/amelia/profile/insurance-companies/american-modern-property-and-casualty-insurance-company-0292-647) shows that American Modern has been BBB accredited since 1947 and maintains five locations. The company's complaint data shows ongoing customer service engagement.

According to [(Grandfolk, "American Modern Insurance Reviews: You Can Trust", 2025)](https://grandfolk.com/american-modern-insurance-reviews/), American Modern's NAIC complaint index of 0.71 means the company receives fewer American Modern insurance complaints than expected for its size, which is a positive indicator for policyholders evaluating whether American Modern is good insurance.

Customer reviews on independent platforms present a more complex picture. [(Trustpilot, "American Modern Insurance Group Reviews on Trustpilot", 2025)](https://www.trustpilot.com/review/amig.com) shows limited review volume with seven customer reviews, with complaints centered on pricing concerns and claims handling issues. Some reviewers report difficulty with water damage coverage riders not being clearly explained at the time of purchase.

###  <a id="faq"></a>Frequently Asked Questions

### **Should I Buy American Modern Insurance?** 

If you have difficulty insuring your home through standard markets or need to insure a collector car or specialty vehicle, American Modern can provide additional options. The company specializes in hard-to-place risks that traditional carriers may decline, which makes it a valuable resource for homeowners with older homes, properties in high-risk areas, manufactured homes, or vacant properties.

The best way to determine if American Modern is the best option for you is to shop different options with a trusted agent. For online-only quotes, let [Coverage Cat](https://www.coveragecat.com/) do the research and find you the best policies, coverage, and price for your personal financial situation. We search across dozens of major insurers and use data science to compare millions of real quotes.

### **Is American Modern Insurance Group legit?**

Yes, American Modern is a legitimate specialty insurance company. The company has been BBB accredited since 1947 and maintains an A+ (Superior) financial strength rating from AM Best. American Modern is a subsidiary of Munich Re, one of the world's largest reinsurance companies, which provides additional financial backing and stability.

### **What makes American Modern different from standard homeowners insurance companies?**

American Modern focuses on specialty and hard-to-insure properties that standard carriers often decline. This includes manufactured homes, vacant properties, older homes, properties in catastrophe-prone areas, and seasonal vacation homes. The company offers both admitted and non-admitted policies, which provides more flexibility on coverage terms and pricing than many traditional carriers can offer.

### **How does American Modern handle claims?**

American Modern employs more than 150 in-house claims adjusters and offers multiple ways to file claims, including online, by phone at (800) 375-2075, or by mail. The company uses video claims resolution tools and remote sensing technology for aerial photographs in catastrophe situations to expedite the claims process.