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
American Traditions Insurance Company (ATIC) writes Florida residential property business through TJ Jerger MGA. Public-facing materials describe coverages and service but do not publish detailed underwriting or appetite rules; current underwriting rules appear to be distributed inside the secure Agent Only Portal. Preferred / target business (inferred from product set and marketing language): - Owner-occupied one- to four-family homes on HO3, including primary and likely some secondary residences, with typical fire and windstorm exposures. Policies include Coverage A, other structures, personal property, loss of use, personal liability, and med pay.([jergermga.com](https://www.jergermga.com/service/homeowners-ho3/)) - Florida condo unit owners for HO6, renters (HO4) and manufactured home renters (MH4), suggesting an appetite for both traditional and manufactured-housing exposures when written on their proprietary programs. - Dwelling fire (DP3, DP1) for rental or seasonal properties, as well as dedicated manufactured home programs, positioned as specialized solutions for Florida’s wind/hurricane environment.([jergermga.com](https://www.jergermga.com/service/homeowners-ho3/)) Restricted / declined classes (not explicitly listed publicly – operational guidance based on Florida market norms and ATIC’s catastrophe focus): - Internal guidelines (not visible on public site) will heavily restrict coastal and high-wind CAT exposure by distance to coast, roof age/type, and protection class, and may limit frame construction, older electrical/roof/plumbing, prior losses, and open claims. - Manufactured home eligibility is typically constrained by home age, tie-down/foundation, HUD code year, and park/community standards; these rules are likely enforced programmatically via Jerger’s rating platform rather than published to consumers. - As a domestic Florida homeowner writer, ATIC is likely closed to risks outside Florida and may periodically restrict new business or non-renew in certain high-loss territories per consent orders and regulatory filings, but these operational restrictions are not detailed on the public website.([floir.gov](https://floir.gov/resources-and-reports/orders-and-memoranda/docs-sf/default-source/orders/property-and-casualty/2023/american-traditions-insurance-company--co?utm_source=openai)) Geographic notes: - ATIC is a Florida-domiciled insurer with a "strong local market presence" and product suite designed for Florida homes, condos, renters and manufactured homes. Distribution is via Florida independent agents, supported by Jerger MGA.([kbra.com](https://www.kbra.com/publications/HYgCWLHt?utm_source=openai)) - The public site and regulatory filings do not show active underwriting in other states; treat appetite as Florida-only unless your wholesaler or portal explicitly indicates another jurisdiction. Submission / inspection requirements: - All submissions and rating are handled through the Jerger MGA Agent Only Portal; there is an Instant Quote link and separate Agent Login, indicating that appetite, binding rules, and documents are controlled inside the portal and may change frequently.([jergermga.com](https://www.jergermga.com/service/homeowners-ho3/)) - Self-guided inspections are required as a condition of coverage; ATIC partners with third‑party inspection vendors and expects the insured to complete a photo/inspection process when requested. Policies are contingent on satisfactory inspection results, and coverage can be adjusted or cancelled if conditions are not as represented.([jergermga.com](https://www.jergermga.com/self-guidedinspections/?utm_source=openai)) - Policyholders and agents are directed to use the My Policy/Customer Portal for policy documents, e-delivery sign‑up, and claims; binding, endorsement and cancellation rules are managed within the agent portal and not disclosed on public pages.([jergermga.com](https://www.jergermga.com/register-policy/?utm_source=openai)) Broker / producer notes: - New producers must be appointed through Jerger MGA via the "Become An Agent" workflow; appointment, training, and access to underwriting materials are handled after approval.([jergermga.com](https://www.jergermga.com/become-an-agent/?utm_source=openai)) - Agents are expected to use the Agent Only Portal for quoting, binding, document retrieval, and to access current underwriting manuals, forms, and communications. Because no static PDF underwriting guide is published publicly, treat portal rules and carrier bulletins as controlling for risk selection, minimum/maximum Coverage A, roof and age limitations, prior loss thresholds, and any moratoria. Operational guidance for underwriters and brokers: - Treat ATIC as a Florida-focused homeowners, dwelling fire, renters, condo, and manufactured home market with CAT-aware underwriting that is tightened and updated via the portal rather than public guides. - For any specific risk (older home, roofs >15 years, manufactured home, coastal distance, or adverse loss history), do not rely on general market assumptions; log into the Jerger/ATIC agent portal or contact your MGA underwriter to confirm current eligibility, inspection requirements, and any temporary binding restrictions. - When presenting ATIC, emphasize Florida specialization, multiple program types (standard HO3 plus manufactured and dwelling fire), and the requirement for inspections and accurate risk characteristics at submission.