American Modern insurance review 2023

American Modern home tools and benefits

American Modern does not offer home services outside of its homeowner insurance policies.

American Modern customer satisfaction

There are several trusted third-party entities that review and rate insurers, some of which we considered in our American Modern Insurance review. Two of the more prominent company ratings are customer satisfaction and customer complaints, as provided by J.D. Power and the National Association of Insurance Commissioners (NAIC), respectively. These ratings and scores can highlight which companies perform better based on collected data.

American Modern auto satisfaction

American Modern property and casualty insurance received an NAIC complaint score of 1.18 on private passenger insurance, which is just above the baseline of 1.0. The higher the score is over the baseline of 1, the more complaints have been filed. This means, regarding private car insurance, that American Modern had roughly the expected number of complaints for a company of its size. American Modern did not score on the J.D. Power survey for auto insurance.

American Modern Homeowners satisfaction

American Modern home insurance is unrated by J.D. Power, but has an NAIC complaint score of .77 for homeowner insurance. This means the company’s home insurance products received fewer than average complaints for a company of its size.

How to file a claim with American Modern

There are a few ways to file a claim with your American Modern insurance policy. Claims can be filed online through its website, handled over the phone, mailed or corresponded via fax. To file online, visit the American Modern claim page and follow the prompts. To file by phone, call 800-375-2075. To send your claim by fax, use fax number 513-947-4040.

American Modern availability

American Modern has insurance products available in all 50 states and the District of Columbia. However, coverage types, amounts and discounts can all vary by state.

Other American Modern perks worth considering

Beyond its auto and home coverage, there are a few other features and insurance options to consider when considering American Modern.

• Mobile app: American Modern offers a free mobile app for policyholders to manage their plans.
• Landlord insurance: Landlords can choose from short and long-term rental insurance to help deal with the risks that rentals face.
• Condominium insurance: American Modern offers condominium policies that cover the interior and contents of your condominium.
• Pet health insurance: This optional add-on may be added to home insurance policies, and can help cover medical costs for pets.

American Modern corporate sustainability

American Modern has a stated community commitment that includes partnering with several companies to help support various causes, including money-raising campaigns for the United Way. Other companies it has partnered with include the following:

• Adopt-A-Family
• Amelia, Batavia and Milford Schools
• Boy Scouts of America
• Children’s Hospital and Mercy Hospital
• Clermont 20/20
• Clermont Senior Services
• Eastside Youth Athletic Trust Fund
• University of Cincinnati, Miami University, Xavier University

The company also focuses on environmental initiatives, such as maintaining a low carbon footprint.

Not sure if American Modern is right for you?

Finding the right insurance company can be tricky, and it’s often wise to shop around and get quotes from multiple insurers before making a decision. If you’re still considering whether or not to go with this company, a few competitor options are listed below for comparison.

American Modern vs. Progressive

While American Modern does not have policies specialized for high-risk drivers, Progressive does. Drivers looking for affordable car insurance after being categorized as high-risk may find Progressive attractive. High-risk drivers may have difficulty finding affordable policies from some insurers due to their risk status. Therefore, companies specializing in policies for these types of drivers can be beneficial.

Learn more: Progressive Insurance review

American Modern vs. Liberty Mutual

People looking to bundle life insurance with home or auto may consider Liberty Mutual. Like American Modern, Liberty Mutual is available throughout the nation. However, unlike American Modern, this company offers life insurance on top of home and auto policies and has a broader range of potential discounts.

Learn more: Liberty Mutual Insurance review

American Modern vs. Allstate

Like American Modern, Allstate has some policy specializations for collector cars. However, the coverage options available for these types of vehicles may be more limited with Allstate. Still, Allstate scores consistently high with third-party ratings, like those from J.D. Power, and offers life insurance on top of home and auto. People looking for specialty car coverage who do not want to use American Modern may prefer Allstate.

Learn more: Allstate Insurance review

Is American Modern a good insurance company?

Like the hundreds of other companies Bankrate’s insurance industry experts have reviewed, American Modern has its perks and drawbacks. This company may be ideal for some people due to its specialized coverage and strong financial standing for both homeowners and private passenger auto insurance. Drivers of collector cars, owners of recreational vehicles, or people with homes that do not qualify for coverage in the standard market may find American Modern especially appealing. However, the company likely won’t be an option for consumers seeking high-risk auto insurance or who qualify for traditional home insurance.