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American Traditions Home Insurance Review (2022)

American Traditions offers robust, affordable home insurance in the state of Florida and has a convenient online quote tool.

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Home insurance policies keep your mind at ease and your most valuable asset protected. In exchange for a monthly premium, these basic policies can safeguard your home from unexpected events like windstorms and fires, along with vandalism and theft. Without a homeowners insurance policy, you could be on the hook for thousands of dollars of repairs.

It can be tricky finding the best home insurance company for you because not all companies are equal in terms of coverage, quality of customer service, cost, and availability. The This Old House Reviews Team has created this in-depth American Traditions home insurance review to help you determine if the company is the best fit for you and your home.

Table of Contents

  • Our Take
  • Pros & Cons
  • Coverage
  • Availability
  • How Much Does American Traditions Home Insurance Cost?
  • Reviews of American Traditions Home Insurance
  • American Traditions vs. the Competition
  • Our Conclusion
  • Frequently Asked Questions

Our Take

American Traditions, formerly known as Modern USA, offers comprehensive home insurance coverage, including all industry-standard protection as well as some unusual but valuable endorsements, like limited fungi and coverage for your silverware, goldware, and pewterware. The company offers very affordable rates, which are easy to find via the online quote tool. You can get an estimate in less than a minute.

American Traditions only offers its homeowners insurance policies in the state of Florida. While it’s easy to get a quote online, reaching the company over the phone can be very difficult. We give American Traditions an overall score of 78 out of 100 on key metrics like coverage, availability, cost, and more.

On American Traditions’ Better Business Bureau profile, complaints note claim refusals. Reviews range from praising customer service’s professionalism to citing concerns about delayed response times.

Pros & Cons

Compare the advantages and disadvantages of American Traditions home insurance.

American Traditions Pros & Cons

Pros Cons
Pros Cons
Online quote tool Only available in Florida
Unique endorsement options Customer service hard to reach over the phone
Low rates


American Traditions includes all industry-standard coverage in its basic underlying policy.

American Traditions Coverage

Type Description
Type Description
Dwelling + other structures Covers your home’s interior and exterior structure, as well as any detached structures like sheds and garages
Personal property Covers personal property in case of covered loss, including furniture, clothing, appliances, and electronics
Loss of use/Additional living expenses Covers the costs associated with temporarily living outside of your home due to a covered loss
Personal liability Covers the legal fees in the event you are sued for injury or personal property damage to a guest
Medical payments to others Covers the medical expenses of a guest who gets injured at your home

American Traditions offers several endorsement options so that you can customize your homeowners insurance coverage.

Endorsement Options

Type Description
Type Description
Jewelry, watches, and furs Covers the cost of valuable items, including jewelry, watches, and furs
Silverware, goldware, and pewterware Covers the cost of various metal wares
Limited fungi coverage Covers the cost of damage caused by fungi
Inflation guard Compensates for any inflation in the cost of replacing or repairing your damaged items


American Traditions homeowners insurance is only available in the state of Florida.

How Much Does American Traditions Home Insurance Cost?

The exact cost of American Traditions homeowners insurance depends on multiple factors, including your property value, property size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.

A customer representative gave us the following quote for a single-family, roughly 2,200-square-foot home in Southport, Florida.


Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $370,000
Other structures $7,400
Personal property $185,000
Loss of use/Additional living expenses $37,000
Liability $100,000
Medical payments to others $1,000
Monthly Cost $101.83


American Traditions did not specify which discounts the company offers. You can ask your local agent for more information.

Reviews of American Traditions Home Insurance

American Traditions is accredited by the Better Business Bureau (BBB) and holds an A+ rating from the organization. See what some customers had to say about their experience with American Traditions.

Austin D. said:

“I have had nothing but a great experience with this insurance company. My hail claim was paid without issue and my contact has been professional and helpful throughout. I was able to request a release in order to perform the roofing work myself and Cliff helped facilitate the discussions with management until I received the waiver. Excellent company and I appreciate the service.”

Francesca R. said:

“Since hurricane Irma we have contacted American Traditions many times and on Nov. 10 sent in, as requested, a dispute letter. Shortly thereafter the claim was closed without even the courtesy of a contact. We have called many times to be told that it would be reopened. Today we called and were told that it ‘could not be reopened because it was a mobile home.’ This is an out and out lie. We explained that we were told just last week that it ‘was closed in error and that would be reopened.’ This company obviously stalls and lies in hopes that you will get frustrated and go away. I am 97 years old, live alone and they know it. American Traditions is a senior citizens nightmare.”

American Traditions vs. the Competition

See how American Traditions stacks up against some of its top competitors on key metrics.


Provider American Traditions Lemonade Amica
Provider American Traditions Lemonade Amica
Get a Free Quote Not available through This Old House Not available through This Old House
Our score 78 83.50 96.60
State Availability 1 23* 47 (not available in AK, FL, or HI)
BBB Rating A+ B+ A+
Years in Business 74 5 113
24/7 Claims Service by Phone X
Protective Devices/Safety Features Discount Unspecified
Bundling Discount Unspecified
Mobile App X

*Lemonade home insurance is available in AZ, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI

Our Conclusion

American Traditions offers comprehensive homeowners insurance, but its policies are limited to the state of Florida. The company offers several unique endorsements that homeowners might find valuable, like silverware, goldware, and pewterware coverage, as well as limited fungi coverage.

Consumers often find competitive rates for home insurance through American Traditions and get the benefit of the company’s easy-to-use online quote tool. However, if you have any further questions, getting in touch with customer service can be difficult. Ultimately, we give American Traditions a score of 78 out of 100.

For anyone considering purchasing a home insurance policy, we recommend getting quotes from multiple companies. You can do so by calling 855-948-5219 or entering your zip code in our free quote tool:

Company Information

  • Company name: American Traditions Insurance Company
  • Company type: Public
  • CEO: Thomas J. Jerger
  • Year founded: 1946
  • Headquarters: 7785 66th St. N., Pinellas Park, FL 33781
  • State availability: 1
  • BBB rating: A+

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a comprehensive and objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

What percentage of homeowners have home insurance?

Between 94 and 96 percent of homeowners have a home insurance policy, according to the Insurance Information Institute’s surveys and research.

What coverage does American Traditions offer?

American Traditions offers all industry-standard coverage in its underlying policy, including dwelling and other structures, personal property, personal liability, medical payments to others, and loss of use/additional living expenses. The company also offers some uncommon endorsements, like limited fungi coverage.

Who are the top five insurance companies?

This Old House has selected eight of the top home insurance companies in the industry. Allstate is rated the best overall, and the others are each best for specific criteria.

What does American Traditions insurance cost?

American Traditions offers competitive, affordable rates. A customer service representative quoted us a monthly premium of $101.83 for a single-family, roughly 2,200-square-foot home in Southport, Florida.

To share feedback or ask a question about this article, send a note to our Reviews Team at