American Traditions Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified official guidance is on American Modern’s agent-facing Homeowners FLEX page. Current published appetite is for hard-to-place personal lines homes using an HO-3-based form, especially owner-occupied, seasonal, and vacation homes that may have age, prior claims, size, value, or location concerns. Preferred risk profile shown: single- or two-family dwellings, average condition or better, no age restriction, protection classes 1–10, and dwelling values starting at $50,000 minimum, with $75,000 minimum for replacement cost and published maximum of $1 million. Seasonal homes are specifically eligible and off-season vacancy does not modify coverage. Coverage can be customized for water damage, liability, named-peril personal property, loss of use, and other structures; options include occasional rental/home sharing, earthquake, hobby farming, service line failure, ID recovery, scheduled personal property, and equipment breakdown. Practical restrictions/limitations published: vacant homes should be placed in Dwelling Basic instead of Homeowners FLEX; coverage/options may vary by state; separate wind/hail deductibles may apply in some states; homes built in 1960 and older may receive modified functional replacement cost; roofs may be settled on ACV depending on age/state; mandatory exclusions include roof cosmetic damage exclusion and swimming pool slide/diving board liability exclusion. Submission/broker notes: quoting and submission are directed through AMsuite+ (“Start a quote”/agent login). American Modern provides product and system training through rAMp/on-demand videos, including quoting residential risks and underwriting referrals. Producers should review the applicable program manual for exact definitions, limits, conditions, exclusions, and state availability before binding. Binding authority is subject to catastrophe restrictions: during potential natural catastrophe events, new business issuance, coverage changes, deductible changes, and rewrites are temporarily prohibited in impacted areas; renewal processing is not affected, and exception requests must be reviewed with a Company Underwriter. Support is available via live chat, service center phone, and email on the agent site.