American Traditions Insurance
American Traditions is a home insurer in Pinellas Park. It has been licensed here since 2005. It focuses on mobile homes, plus home and condo. Demotech A.
You can find it on our list of Florida home insurance companies. Its Florida company code is 03670 and its NAIC number is 12359.
Taking new policiesChecked Oct 19 Home, condo and renters
Is American Traditions leaving Florida? No. It sells only in Florida. Demotech affirmed its A rating on September 9, 2026. Its site showed no new business stop on October 10, 2026. As of Oct 19, 2026. Source: americantraditionsins.com.
New policies
Taking new policies
As of Oct 19, 2026
Policies in force
143,945
Jul 31, 2026, OIR
Latest rate change
Not available
No rate change on file
Financial strength
A (Exceptional)
From Demotech, as of Oct 20, 2026
Complaints
0.67
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.
Did your American Traditions renewal go up?
You have two choices. One 5 minute call covers both.
Before you call, see the Florida home insurance renewal checklist.
Get a free look at your American Traditions renewal
Send us your renewal page. We tell you what changed.
- Snap a photo of your renewal page, or save it as a PDF.
- A licensed agent reads it. We check your price, your deductible and your coverage.
- You get a call back with what we found. It is free.
Shop your renewal in one call
One call. A licensed agent shops other companies for you, free.
What's changed recently
-
On September 9, 2026, Demotech affirmed its A (Exceptional) rating. The rating is for American Traditions. It is a Financial Stability Rating. A measure of its reinsurance use was 60% to 70% of premium.
-
OIR runs a market conduct exam on Hurricane Ian claims
OIR's first market conduct exam reviewed 121 Hurricane Ian claims. It found 6 not acknowledged within 14 days and 25 not paid or denied within 90 days. The report states no fine.
-
Approved to take up to 12,000 Citizens policies
Citizens' board approved American Traditions for up to 12,000 policies. It was the December 2023 round to shrink Citizens. Five others were approved too. They were Slide, TypTap, Safepoint, Florida Peninsula and Edison.
-
Sister firm Modern USA merges in
Its sister firm Modern USA merged into American Traditions on May 31, 2018. Now the two are one. That day, two Jerger holding firms merged too. Jerger Holding Corporation merged into Jerger Insurance Holding Company.
-
American Traditions Insurance Company was formed on August 9, 2005. It got its Florida certificate of authority on December 5, 2005. It began business on January 1, 2006. It was based in Pinellas Park.
Rate history
No rate filings tracked yet.
20 years in Florida
In Florida since 2006. Has paid claims through 10 hurricanes.
Compare American Traditions side by side
| American Traditions | State Farm | Universal Property | |
|---|---|---|---|
| New policies | Taking new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 |
| Florida policies | 143,945 Florida OIR, Jul 31, 2026 | 654,641 Florida OIR, Jul 31, 2026 | 594,182 Florida OIR, Jul 31, 2026 |
| Latest rate change | Not available | +0.8% Home, from Jan 15, 2026 | −5.1% Home, from Oct 16, 2025 |
| Complaint index | 0.67 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 (Exceptional) Demotech, Oct 20, 2026 | A- (Excellent) AM Best | A Demotech, Oct 7, 2026 |
| In Florida since | 2006 | 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 Traditions
Is American Traditions leaving Florida?No.
American Traditions is licensed only in Florida. So leaving would mean leaving the business. On October 10, 2026, its site showed no new business stop. It showed no storm hold either. Demotech affirmed its A (Exceptional) rating on September 9, 2026. The company says it is expanding to Arizona, South Carolina and Ohio.
Source: americantraditionsins.com, read October 10, 2026; Demotech profile, read October 10, 2026
What is the American Traditions claims phone number?The contact page lists one number, 866-561-3433, labeled Headquarters.
Claims are filed online through the customer portal at portal.jergermga.com, which the site says is open 24/7. The carrier's claims page may list a dedicated claims line; check your policy documents too.
Source: American Traditions contact page, read October 10, 2026
Who owns American Traditions Insurance Company?Jerger Insurance Holding Company owns 100 percent of American Traditions.
It is a private Florida company. The Jerger family runs it. An affiliate, T.J. Jerger MGA, LLC, handles underwriting, billing and claims for every policy. OIR's exam report does not name the people who own it at the top.
Source: OIR financial examination report as of December 31, 2023
Is American Traditions the same as Modern USA Insurance Company?They are now one company.
Modern USA was a sister insurer with the same Jerger owners. On May 31, 2018, it merged into American Traditions. American Traditions was the one that lived on. So old Modern USA policies are now American Traditions policies.
Source: OIR financial examination report as of December 31, 2018; Demotech profile comment
Is American Traditions admitted in Florida?Yes.
American Traditions Insurance Company is a Florida domestic insurer. Its NAIC code is 12359. OIR licensed it on December 5, 2005. Florida is the only state where it is licensed. It is an admitted home and mobile home insurer. So it is covered by the Florida Insurance Guaranty Association.
Source: OIR financial examination report as of December 31, 2023
Is American Traditions a good company?Public data only: Demotech affirmed its A (Exceptional) rating on September 9, 2026.
It has insured Florida homes since 2006. OIR's 2023 exam found no major issues and surplus of $33.3 million. A 2024 OIR market conduct exam looked at Hurricane Ian claims. It found 20.7 percent of sampled claims were not paid or denied within 90 days.
American Traditions reviews and complaints: what the public data shows
American Traditions rating
- Complaints
- 0.67 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 2006 (20 years)
- Regulatory actions
- Not available
No star ratings and no user reviews, only public data.