American Modern Auto and Homeowners Insurance Review (2022)

I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them.
Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…

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Reviewed by

Rachael Brennan

Licensed Insurance Agent

Rachael Brennan

UPDATED: Mar 26, 2022

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Here's the Scoop

  • 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.

Table of Contents

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
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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.