Modern USA 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 limited and appears to be producer-access rather than a public appetite guide. Jerger MGA presents itself as a Florida-focused residential property MGA and exclusive MGA for American Traditions Insurance Company, emphasizing tailored underwriting for Florida property risks. Public product pages indicate target business includes owner-occupied single-family homes/primary residences (homeowners), certain residential properties that do not fit standard homeowners coverage (dwelling property), manufactured homes, condo unit owners, and renters. Consumer quote flow also indicates DP3 is for site-built seasonal, secondary, or rental property and states those homes cannot be vacant; HO3 is for owner-occupied site-built homes; manufactured-home products include a manufactured homeowners form and a DF1 form that allows full-time tenant occupancy. Geographic emphasis is Florida residential property. No public official page was found with a detailed class-by-class appetite, restricted hazards, or formal declination list for Modern USA/Jerger MGA home business, so restricted or declined classes cannot be fully verified from official public sources. Submission/producer requirements that are publicly visible: agency appointment requests are submitted through the Become an Agent page, which asks for agency identity/contact information, tax ID, years established, personal-lines mix, average monthly HO/DP and mobile home production, rollover opportunity, and the agency’s two largest personal-lines carriers with premium, commission, appointment date, and loss ratio. Broker/producer notes: Jerger indicates agents should use the agent portal/online rater rather than the consumer instant-quote path; underwriting support is positioned as advisory, and post-bind inspections may be required according to the FAQ, including exterior inspections 2 to 6 weeks after purchase, possible 4-point inspection for eligibility, and self-guided inspection requests with completion deadlines for new and renewal business. Wind-excluded policies may be available depending on eligibility, and a roof-surface payment schedule endorsement is referenced publicly, but detailed underwriting rules were not publicly posted.