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
Modern USA Insurance Company (MUSA) was merged into American Traditions Insurance Company (ATIC) effective May 31, 2018, with ATIC as the surviving entity. MUSA is now inactive as a separate carrier and its homeowners book and underwriting approach are effectively those of American Traditions in Florida. Preferred business (homeowners focus) - Florida residential property only, written under the American Traditions brand, including manufactured homes, traditional homeowners, condo unit-owners, dwelling fire, and related personal residential products.([reinsurancene.ws](https://www.reinsurancene.ws/american-traditions-announces-merger-with-affiliate-insurer-modern-usa/?utm_source=openai)) - Owner‑occupied risks with standard construction and maintenance, roofs in acceptable condition for the peril exposure, and dwellings that meet current ATIC program rules (age, updates, and loss history requirements as outlined in ATIC manuals accessed via the agent portal). - Agents are expected to place former Modern USA‑type risks into the corresponding American Traditions program (e.g., manufactured homes, standard HO, condo) following current ATIC eligibility criteria. Restricted or declined classes - Modern USA is no longer an active underwriting entity; new and renewal business is written on American Traditions paper, so any appetite or restrictions are governed by ATIC filings and manuals, not legacy Modern USA guides.([search.sunbiz.org](https://search.sunbiz.org/Inquiry/CorporationSearch/SearchResults?Detail=FL.DOS.Corporations.Shared.Contracts.FilingRecord&InquiryDirectionType=PreviousRecord&InquiryType=EntityName&ListNameOrder=MODERNUSA+L160001045240&SearchNameOrder=MODERNUSDESIGN+L160001105510&SearchTerm=MODERN+TECH+MEDIA+LLC&utm_source=openai)) - Non‑Florida property, non‑residential risks, and lines of business outside ATIC’s residential property focus (e.g., commercial, auto, specialty lines) are outside appetite. - Properties failing ATIC’s current eligibility standards (unacceptable roof condition, severe prior losses, major unrepaired damage, or ineligible occupancies) should be declined or referred per ATIC underwriting rules. Geographic notes - Operations and service centers remain based in Florida (Pinellas Park). The Modern USA legal entity is inactive with the Florida Department of State following the 2018 corporate merger into American Traditions.([search.sunbiz.org](https://search.sunbiz.org/Inquiry/CorporationSearch/SearchResults?Detail=FL.DOS.Corporations.Shared.Contracts.FilingRecord&InquiryDirectionType=PreviousRecord&InquiryType=EntityName&ListNameOrder=MODERNUSA+L160001045240&SearchNameOrder=MODERNUSDESIGN+L160001105510&SearchTerm=MODERN+TECH+MEDIA+LLC&utm_source=openai)) - Coverage is focused on the Florida homeowners market; producers should not submit out‑of‑state home risks under the Modern USA name. Submission and producer instructions - Agents and brokers that previously submitted business to Modern USA now work through American Traditions’ distribution framework; Modern USA phone and claims contacts route through the Jerger-managed platform that now supports the American Traditions brand.([pissedconsumer.com](https://www.pissedconsumer.com/company/modern-usa-insurance/customer-service.html?utm_source=openai)) - Producers should use the American Traditions agent/producer portal and follow ATIC’s current underwriting manuals, rating tools, and submission workflows for all new and renewal home business. - Publicly posted guidance specific to Modern USA underwriting appetite for homeowners is no longer maintained; rely on American Traditions’ current homeowner and manufactured home underwriting manuals and bulletins available inside the secure agent area for detailed eligibility, inspection, and documentation requirements. Operational takeaway - Treat Modern USA as a legacy brand now fully absorbed into American Traditions. Write and service homeowners business under ATIC guidelines, confirm eligibility and appetite using current ATIC manuals, and avoid quoting or binding on obsolete Modern USA forms or rules.