American Modern Property and Casualty Insurance Company Review (2024)
Discover the versatility of American Modern Property and Casualty Insurance Company, a leading insurer committed to meeting unique coverage needs.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 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 providers please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 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 providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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American Modern Property and Casualty Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Diverse Coverage Options Tailored to Unique Properties
- Strong Financial Stability and Reliability
- Nationwide Presence Ensures Accessibility
- Innovative Approach to Insurance
- Responsive and Supportive Customer Service
Cons
- Specialty Coverage Might Have Higher Premiums
- Limited Information on Online Policy Management for Some Products
Discover the comprehensive protection offered by American Modern Property and Casualty Insurance Company. From auto and home insurance to specialty coverage for unique properties, like vacation homes and rental properties, American Modern’s diverse range of insurance solutions caters to individual needs.
With a commitment to innovation, responsive customer service, and strong financial stability, the company stands as a reliable partner in safeguarding what matters most.
From umbrella insurance for added liability coverage to tailored policies that reflect the uniqueness of each customer, American Modern’s nationwide presence ensures accessibility across the United States.
By offering discounts, streamlined claims processes, and resources beyond insurance, the company delivers on its promise to provide peace of mind and financial security.
American Modern Property and Casualty Insurance Company Insurance Coverage Options
American Modern offers a comprehensive range of coverage options to address various aspects of your life and property. With a commitment to tailoring policies to individual needs, they ensure that you receive the protection you require. Here are some of the coverage options provided by the company:
- Auto Insurance: Protect your vehicles with coverage against accidents, collisions, and more. American Modern’s auto insurance goes beyond standard coverage to provide financial security in times of need.
- Home Insurance: Safeguard your home with comprehensive coverage that includes protection against damages, theft, liability, and more. Whether you own or rent, American Modern’s home insurance has you covered.
- Specialty Dwelling Insurance: For unique properties such as vacation homes, rental properties, and other non-standard homes, American Modern offers specialized coverage. This tailored insurance ensures that the distinct needs of these properties are met.
- Umbrella Insurance: Extend your liability coverage with umbrella insurance that goes beyond the limits of your other policies. This extra layer of protection shields your assets from unforeseen events and potential lawsuits.
- Watercraft Insurance: Whether you have a sailboat, yacht, personal watercraft, or other types of watercraft, American Modern’s watercraft insurance provides coverage against accidents, theft, and damage.
- Collector and Classic Car Insurance: If you’re a collector or enthusiast, American Modern’s coverage options for collector and classic cars provide specialized protection for your prized vehicles.
- Mobile and Manufactured Home Insurance: Protect your mobile or manufactured home with policies designed specifically for these types of residences, covering various risks and potential damages.
- Landlord Insurance: If you own rental properties, American Modern’s landlord insurance covers both the property and liability aspects, ensuring that your investment is safeguarded.
- Recreational Vehicle (RV) Insurance: Whether you have a motorhome, camper, or other RV, American Modern’s RV insurance offers tailored coverage for your recreational vehicle adventures.
- Flood Insurance: American Modern’s flood insurance helps you mitigate the financial impact of flood-related damages, providing you with peace of mind in flood-prone areas.
These coverage options showcase American Modern’s commitment to offering diverse and specialized insurance solutions to match the unique needs of their policyholders.
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American Modern Property and Casualty Insurance Company Insurance Rates Breakdown
| Driver Profile | American Modern Property and Casualty | National Average |
|---|---|---|
| Clean Record | $155 | $119 |
| 1+ Ticket | $185 | $147 |
| 1+ Accident | $205 | $173 |
| DUI | $235 | $209 |
| Poor Credit | $267 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
American Modern Property and Casualty Insurance Company Discounts Available
| Discount | American Modern Property and Casualty |
|---|---|
| Anti Theft | 10% |
| Good Student | 15% |
| Low Mileage | 12% |
| Paperless | 7% |
| Safe Driver | 16% |
| Senior Driver | 9% |
American Modern understands the importance of providing policyholders with cost-effective solutions. To make insurance coverage even more affordable, the company offers a range of discounts tailored to different situations. Here are some of the discounts you can take advantage of:
- Multi-Policy Discount: Save by bundling multiple insurance policies with American Modern. Combine your auto, home, or other policies to unlock significant savings.
- Safe Driving Discount: If you have a clean driving record and a history of responsible driving behavior, you may qualify for a safe driving discount on your auto insurance.
- Safety Features Discount: If your vehicle is equipped with safety features such as anti-lock brakes, airbags, and anti-theft devices, you could be eligible for a discount.
- Home Security Discount: Make your home more secure with features like alarm systems, smoke detectors, and security cameras to qualify for a discount on your homeowners insurance.
- Pay-in-Full Discount: Opting to pay your premium in full upfront can lead to cost savings through a pay-in-full discount.
- Good Student Discount: If you have a student on your policy who maintains good grades, you might qualify for a discount as recognition of their responsible academic performance.
- Homeownership Discount: If you own your home, you could be eligible for a homeownership discount on your insurance premiums.
- Advance Quote Discount: Getting a quote well in advance of your policy’s start date might make you eligible for an advance quote discount.
- Paperless Billing Discount: Choosing to receive your bills and policy documents electronically can often lead to a paperless billing discount.
- Renewal Discount: Staying loyal to American Modern and renewing your policy can often earn you a renewal discount.
These discounts reflect American Modern’s commitment to rewarding responsible behavior, providing value to policyholders, and making insurance coverage more accessible and affordable. Remember that the availability of discounts may vary based on your location and specific policy details.
How American Modern Property and Casualty Insurance Company Ranks Among Providers
In the competitive landscape of insurance, American Modern Property and Casualty Insurance Company faces several noteworthy competitors. These companies operate in similar markets and offer a range of insurance solutions. Here are some of American Modern’s main competitors:
- Geico: Known for its catchy commercials and competitive rates, Geico is a major player in the insurance industry. With a wide array of coverage options, including auto, home, and more, Geico competes directly with American Modern in various markets.
- Progressive: With its strong focus on innovative technology, like its Snapshot program for auto insurance, Progressive has gained a significant market share. It offers a variety of insurance products, including auto, home, and specialty coverage.
- State Farm: State Farm is a well-established insurance company offering comprehensive coverage options, including auto, home, and life insurance. With a large network of agents, State Farm provides a personalized touch to its services.
- Allstate: Known for its “You’re in Good Hands” slogan, Allstate provides a wide range of insurance products, including auto, home, and renters insurance. It emphasizes personalized customer service and offers innovative tools like Drivewise for auto insurance discounts.
- Nationwide: As its name suggests, Nationwide operates across the United States and offers various insurance solutions. It competes in the auto, home, and specialty insurance markets, often focusing on bundling options.
- Farmers Insurance: Farmers offers a variety of insurance products, including auto, home, and business coverage. It stands out with its customizable policies and strong customer support.
- Travelers: Travelers is known for its diverse range of insurance offerings, spanning auto, home, business, and specialty insurance. Its extensive coverage options make it a direct competitor to American Modern.
These competitors, among others, contribute to the dynamic and competitive landscape of the insurance industry. Each company seeks to differentiate itself through unique coverage options, innovative technology, customer service, and pricing strategies.
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American Modern Property and Casualty Insurance Company Claims Process
Ease of Filing a Claim (online, over the phone, mobile apps)
American Modern Property and Casualty Insurance Company prides itself on offering a user-friendly claims process. Policyholders have multiple options when it comes to filing a claim, making it convenient and accessible. You can file a claim online through their website, over the phone, or even via their mobile app.
This flexibility ensures that you can report a claim in a way that suits your preferences and circumstances.
Average Claim Processing Time
When it comes to the speed at which claims are processed, American Modern Property and Casualty Insurance Company aims for efficiency. While the exact processing time can vary depending on the complexity of the claim, the company strives to handle claims promptly.
Policyholders can expect a reasonable turnaround time, ensuring that they receive the support they need when it matters most.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a crucial role in assessing the effectiveness of an insurance company’s claims process. American Modern Property and Casualty Insurance Company has received positive reviews for its claim resolutions and payouts.
Their commitment to providing fair and timely settlements has garnered satisfaction among policyholders, contributing to their reputation for excellent customer service.
American Modern Property and Casualty Insurance Company Digital and Technological Features
Mobile App Features and Functionality
American Modern Property and Casualty Insurance Company offers a feature-rich mobile app that empowers policyholders to manage their insurance needs on the go. The app provides access to policy information, allows you to report claims, and even offers features like digital ID cards. It’s a valuable tool for staying connected with your coverage wherever you are.
Online Account Management Capabilities
For those who prefer managing their policies through a web-based platform, American Modern’s online account management capabilities are robust. Policyholders can log in to their accounts to review policy details, make payments, and track claims. The online portal is designed to provide a seamless and convenient experience.
Digital Tools and Resources
In addition to its mobile app and online account management, American Modern Property and Casualty Insurance Company offers various digital tools and resources. These resources can include educational materials, FAQs, and guides to help policyholders understand their coverage better.
The company’s commitment to digital accessibility ensures that customers have access to the information they need to make informed decisions about their insurance.
Frequently Asked Questions
Does American Modern offer any discounts on their insurance policies?
Yes, American Modern provides various discounts to policyholders. These discounts can be based on factors such as bundling multiple policies, having a safe driving record, implementing security measures in your home, and more.
What sets American Modern’s customer support apart from other insurance companies?
American Modern takes pride in its responsive and empathetic customer support. Their representatives are trained to understand policyholders’ unique needs and provide personalized assistance, making the claims and support process as smooth as possible.
Is American Modern’s coverage available nationwide?
Yes, American Modern’s insurance coverage is available across the United States. Its extensive network ensures that individuals from various regions can benefit from its comprehensive protection.
How do I file a claim with American Modern?
Filing a claim with American Modern is a straightforward process. Simply contact their claims department, provide the necessary information, and their team will guide you through the rest.
Are there any benefits to having both auto insurance and umbrella insurance from American Modern?
Definitely, having both auto insurance and umbrella insurance can provide comprehensive coverage. If you’re involved in an accident where your auto insurance limits are exceeded, umbrella insurance can kick in to cover the remaining costs, offering an additional layer of financial security.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
