Who Is American Modern?
American Modern Insurance Group is a specialty insurance carrier headquartered in Cincinnati, Ohio. A subsidiary of Munich Re, one of the world’s largest reinsurance companies, American Modern focuses on property types and risk categories that most standard carriers do not cover well — including manufactured homes, mobile homes, vacant properties, dwelling fire, and watercraft. They have been a leader in specialty property insurance for over 55 years.
For clients who own non-traditional properties or recreational assets, American Modern is often the strongest option in our carrier panel. Their underwriters understand these risk categories deeply, which means faster approvals, broader coverage options, and fewer surprises at claim time.
What They’re Known For
- Manufactured and mobile home expertise: American Modern is one of the nation’s leading insurers of manufactured and mobile homes, with coverage forms specifically designed for these property types.
- Dwelling fire coverage: They offer competitive dwelling fire policies for rental properties, vacant homes, and properties that do not qualify for standard homeowners coverage.
- Watercraft insurance: From bass boats to personal watercraft, American Modern provides specialized boat and watercraft coverage that many carriers do not offer.
- Munich Re backing: As a Munich Re subsidiary, American Modern has exceptional financial strength and the resources of one of the world’s largest reinsurance groups behind every policy.
Quick Links
Where We Write American Modern Insurance
Better Choice Insurance Group offers American Modern Insurance policies to homeowners and drivers across our service areas:
- Illinois: St. Charles, Naperville, Chicago, Aurora, Schaumburg
- Texas: San Antonio, Dallas, Houston, Austin, Fort Worth
- Indiana: Indianapolis, Carmel, Fishers
- Minnesota: Minneapolis, St. Paul, Bloomington