American Modern Insurance
American Modern covers mobile and manufactured homes in Florida. It covers specialty dwellings too. Agents sell it. Munich Re owns it. It is in Amelia, Ohio.
You can find it on our list of Florida home insurance companies. Its Florida company code is 09071 and its NAIC number is 23469.
Taking some new policiesChecked Oct 19 Home and landlord
Is American Modern leaving Florida? No. It sells mobile home and dwelling policies through agents. It paused new policies in areas under threat from Hurricane Isaías on Oct 10, 2026. Checked Oct 2026.
New policies
Taking some new policies
As of Oct 19, 2026
Policies in force
123,124
Jul 31, 2026, OIR
Latest rate change
−12.8%
Renters, from Oct 11, 2026
Financial strength
A+ (Superior)
From AM Best
Complaints
1.41
NAIC index, 2025. 1.00 is average.
Near you
Can I get a policy?
We're still gathering this company's rules. Call and we'll check for you.
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What's changed recently
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AM Best pulls its ratings of American Modern Select after the sale
AM Best withdrew the A+ (Superior) rating of American Modern Select. On June 20, 2025 it moved all its obligations to American Modern Home Insurance Company. On November 7, 2025 it was sold. The buyer was not named.
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American Modern to pause new homeowners business in at least 11 states
The Insurer reported American Modern would pause new homeowners (HO) business in at least 11 states. The pause would start in March 2025. The states were not named. Manufactured home was not mentioned.
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OIR exams of its Florida companies find no big issues
OIR did financial exams of three companies for 2015 to 2019. One is American Family Home. One is American Southern Home. One is American Modern Insurance Company of Florida. It found no big issues and no surplus changes.
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American Family Home gets its Florida license on April 2, 1965
American Family Home Insurance Company is the group's oldest Florida company. It was set up in Florida on January 28, 1965. It was licensed April 2, 1965. American Modern Home Insurance Company now owns 100% of it.
Rate history
61 years in Florida
In Florida since 1965. Has paid claims through 28 hurricanes.
Compare American Modern side by side
| American Modern | State Farm | Universal Property | |
|---|---|---|---|
| New policies | Taking some new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 |
| Florida policies | 123,124 Florida OIR, Jul 31, 2026 | 654,641 Florida OIR, Jul 31, 2026 | 594,182 Florida OIR, Jul 31, 2026 |
| Latest rate change | −12.8% Renters, from Oct 11, 2026 | +0.8% Home, from Jan 15, 2026 | −5.1% Home, from Oct 16, 2025 |
| Complaint index | 1.41 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. |
| Financial rating | A+ (Superior) AM Best | A- (Excellent) AM Best | A Demotech, Oct 7, 2026 |
| In Florida since | 1965 | 1934 | 1997 |
People also compare with
- State Farm Taking new policies
State Farm sells home, condo, renters and auto policies in Florida. It uses its own agents. Home policies come from State Farm Florida, a Florida only firm.
- Universal Property Taking new policies
Universal Property is a Fort Lauderdale company. It has insured Florida homes since 1997. It is now the second largest home insurer in Florida, sold by agents.
- Slide Taking new policies
Slide is a Tampa home insurer founded in 2021. It grew fast by taking on policies from Citizens, UPC, St. Johns and Farmers customers in Florida.
- Tower Hill Taking new policies
Tower Hill is a Gainesville insurer. It has covered Florida homes since 1972. New policies come from the Tower Hill Insurance Exchange. Its members own it.
- American Integrity Taking new policies
American Integrity is a Tampa home insurer started in 2006. Now the 5th largest home insurer in Florida, with 423,783 policies on July 31, 2026, per OIR.
Questions people ask about American Modern
Is American Modern leaving Florida?No.
American Modern sells manufactured home, mobile home and dwelling policies through agents. It sells in all 50 states. On Oct 10, 2026 it paused new policies and coverage changes. The pause is for Florida areas under threat from Hurricane Isaías. Current policies are not affected.
Source: American Modern new business restrictions page and company page, read October 10, 2026
What is the American Modern claims phone number?Call 800-375-2075 to report a loss.
You can also file online at myclaim.amig.com or email [email protected]. The contact page lists no hours for the claims line. Customer service at 800-543-2644 is open Monday through Friday, 8 AM to 8 PM Eastern, and a virtual assistant chat can check a claim 24/7.
Source: American Modern contact us page, read October 10, 2026
Who owns American Modern?Munich Re has owned American Modern since 2008.
Munich Re is a German reinsurer. The business began over 75 years ago as The Midland Company. It formed American Modern Insurance Group, Inc. in 1994. Its premium volume is about $2.2 billion. It is based in Amelia, Ohio, near Cincinnati.
Is American Modern a good company?Here is what the public record shows.
AM Best rates it A+ (Superior) as part of Munich Re. Its Florida roots go back to 1965 through American Family Home Insurance Company. And Florida OIR exams of its Florida companies through 2019 had no significant findings. This site does not rate or recommend carriers.
Source: American Modern company page; OIR financial examination reports as of December 31, 2019
Is American Modern admitted in Florida?Yes.
The group's Florida companies hold certificates of authority here. They are for mobile home and homeowners multi peril lines. The group says it sells admitted products. It says it does so in all 50 states. In these lines, all admitted carriers are members of the Florida Insurance Guaranty Association.
Source: OIR financial examination report, American Family Home Insurance Company, as of December 31, 2019
Does American Modern sell new mobile home policies in Florida?Yes, through independent agents.
The manufactured home program has no home age limit. It takes homes in fair condition or better. It covers owner, seasonal, rental and tenant use. New policies pause in areas under a storm threat.
Source: American Modern manufactured home product page, read October 10, 2026
American Modern reviews and complaints: what the public data shows
American Modern rating
- Complaints
- 1.41 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
- Years in Florida
- Since 1965 (61 years)
- Regulatory actions
- Not available
No star ratings and no user reviews, only public data.