American Modern Auto and Homeowners Insurance Review (2025)
You can purchase an American Modern insurance policy for your home or collectible car. Since American Modern doesn't write insurance policies for day-to-day vehicles, you should shop online to get standard car insurance.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Mar 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Mar 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- American Modern provides specialty insurance products
- You can buy collectible car insurance through American Modern
- American Modern has an A+ rating from the Better Business Bureau and A.M. Best
The best homeowners and car insurance policies meet your specific coverage needs and give you peace of mind. American Modern may help you get the coverage you need to stay protected.
Keep reading this American Modern insurance coverage review to learn more about this company and discover if it is the right choice for your needs.
What is American Modern Insurance?
The American Modern Property and Casualty Insurance Company is a part of the American Modern Insurance Group and provides various specialty insurance products.
The company’s mailing address is P.O. Box 5323, Cincinnati, Ohio 45201-5323, and you can call 800-543-2644 if you have questions or concerns about your American Modern policy.
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What kind of home insurance coverages does American Modern insurance provide?
American Modern offers HO-2 coverage, a slim type of home protection. However, homeowners can get a good amount of protection through such a policy. If you have American Modern home insurance, your policy will automatically come with actual cash value and named perils coverage. You can also expect to receive other standard coverages like these:
- Dwelling coverage
- Coverage for other structures
- Coverage for personal property
- Liability coverage
- Additional living expenses coverage
- Coverage for reasonable emergency repairs
In addition to the coverages above, you can obtain mechanical breakdown coverage, a crucial coverage that can cover expenses for repairing your electrical system or other major appliances. Mechanical breakdown coverage also protects your HVAC system.
Remember that your home’s structure and items within are only covered up to their actual cash value. For example, if you had bought golf clubs for $500 and over the years their value depreciated to $300, you would only receive $300 if the clubs get destroyed in a house fire.
What car insurance coverages does American Modern provide?
The American Modern Insurance Group only sells collectible car insurance. When purchasing such a policy through American Modern, you can set up an agreed total loss settlement value and obtain optional coverage like usage for:
- Car shows
- Car club exhibitions
- Occasional pleasure drives
- Driving to work
Unlike traditional car insurance policies, you can also pay for different mileage plans if you don’t plan on driving your car far. For example, you could purchase 1,000, 3,000, or 6,000 miles in coverage. If you plan on driving your rare or vintage car further than that in a year, you can purchase the Freedom mileage plan.
An American Modern collectible car insurance policy can only cover certain types of vehicles.
Cars Covered by Collectible Insurance Coverage
Below is a list of vehicles that an American Modern collectible car insurance policy can cover:
- Muscle cars
- Classic cars
- Antiques
- Exotics
- Street rods
- Customs
- Kit cars
- Cobra replicas
- Race cars
- Trucks
- Military vehicles
- Tractors
- Fire engines
- Restorations in process
You can’t purchase coverage for your minivan or any other standard type of vehicle. If you need to find coverage for your day-to-day vehicle, you can shop online for cheap car insurance quotes.
How can I get an American Modern insurance quote?
You’ll need to contact an American Modern agent to get a quote. However, if you want to buy collectible car insurance and want to plan your budget, you can review car insurance rates by state here:
Car Insurance Rates by State
| State | Monthly Liability-Only Car Insurance Rates | Monthly Full Coverage Car Insurance Rates |
|---|---|---|
| Arizona | $41 | $81 |
| California | $39 | $82 |
| Georgia | $41 | $87 |
| Illinois | $36 | $74 |
| Indiana | $31 | $63 |
| Louisiana | $61 | $117 |
| Maryland | $50 | $93 |
| Missouri | $33 | $73 |
| Nebraska | $29 | $69 |
| Ohio | $31 | $66 |
| Oklahoma | $37 | $84 |
| Pennsylvania | $41 | $81 |
| Texas | $42 | $92 |
| Utah | $39 | $73 |
| Wisconsin | $30 | $61 |
Read more:
- Top 5 Homeowners Insurance Companies in Illinois
- Cheapest Car Insurance in Utah
- Cheapest Car Insurance in Louisiana
The chart above shows that different states feature different car insurance rates, but your location isn’t the only factor that can influence your rates. Insurance companies use a complicated underwriting process to determine your rates. To obtain an accurate number, you’ll need to share your age, driver’s license number, and vehicle details.
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Is American Modern highly rated?
Concerned consumers will be pleased to learn that American Modern has good ratings. American Modern earned an A+ — or superior — rating from A.M. Best through its parent company, and the Better Business Bureau gives the company an A+ rating.
Is it easy to file a claim on an American Modern insurance policy?
American Modern makes filing a claim simple. If you want guidance on filing your claim, you can call 800-375-2075 or file your claim online to start the claims process right away. American Modern also gives clients the option to mail in or fax their claims.
What You Need to Know About American Modern
American Modern provides coverage for homeowners and collectible car owners. While you can get a great deal of protection through American Modern policies, you can’t buy insurance for a standard car through this company. If you need to find coverage for your everyday vehicle, you can shop online to find the best insurance company for your needs.
Enter your ZIP code below to view companies that have cheap insurance rates.
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.