American Traditions Insurance Review & Complaints: Homeowners Insurance (2024)

Once you’ve found the home of your dreams, you’ll need to make sure that it is properly protected. A good home insurance policy can provide financial assistance if you experience a loss and need to rebuild your home.

If you want to find the best home insurance for Florida homeowners, keep reading this American Traditions Insurance review to discover more about this company, the coverage it provides, and its rates, so you can confidently shop for home insurance.

While you learn more about American Traditions Insurance, you can start comparing home insurance quotes. Enter your ZIP code to get free quotes right away.

What is the American Traditions Insurance Company?

In 2006, the American Traditions Company opened its doors to provide insurance to Florida residents who owned manufactured homes. After providing insurance independently for several years, a merger brought American Traditions Insurance Company and Modern USA Insurance Company together in 2016.

The merger of these two companies greatly expanded American Traditions Insurance’s range of insurance products, but the company has stayed close to its roots. American Traditions Insurance still only sells home insurance policies in Florida.

American Traditions Insurance also has a lot of modern conveniences to offer its clients. For example, you can make American Traditions Insurance Company payments online. Although, if you need to visit the American Traditions Insurance website to make a payment, don’t be confused by the American Traditions Insurance agent login. This login portal is only for individuals who sell American Traditions Insurance products and not for those who are looking to buy a policy.

If you currently have a policy with American Traditions Insurance, you can a file a claim online or reach out to an American Traditions Insurance representative if you have questions.

Is the American Traditions Insurance Company highly rated?

While you won’t find an American Traditions Insurance A. M. Best rating, Demotech awarded this company an A rating. The American Traditions Insurance Company is also a Better Business Bureau-accredited business with an A rating. American Traditions Insurance reviews on the BBB website only give this company 1.69 out of 5 stars, but it should be noted that there are only 13 total reviews on the BBB site.

With high ratings like these, Florida homeowners can feel confident that American Traditions Insurance is a reliable company that will give them the coverage they need and the high-quality customer service they deserve.

What coverages does the American Traditions Insurance Company provide?

American Traditions Insurance offers a wide variety of policies. These include:

If you have just purchased a home in Florida, American Traditions Insurance can get you the coverage you need with an HO-3 home insurance policy. With this policy, you’ll be able to secure coverage for the structure of your home, your personal property, and other structures.

If your home is damaged in a covered loss and is unlivable, your home insurance policy will also cover your temporary housing costs. In addition, personal liability coverage and medical payments are included in the policy. American Traditions Insurance also allows for some customization of your policy.

If you need additional coverage, you can choose to buy identity theft coverage, replacement cost on personal property, and even mechanical breakdown coverage.

Florida homeowners may also be intrigued to hear that American Traditions Insurance also provides flood insurance, but unlike home insurance, you need to wait 30 days before your flood insurance policy becomes active.

Does the American Traditions Insurance Company offer competitive rates?

On average, an American Traditions Insurance Company client will pay $2,314 for a home worth $300,000. That rate is much higher than the national average or even Florida’s average rate for home insurance. If you live outside of Florida and are curious as to how much you might pay for insurance, you can use the chart below to discover what the average rate for home insurance is in your state:

Average Annual Home Insurance Rates by State

Read more: Best Illinois Home Insurance

Be aware that home insurance rates can vary greatly from one property to the next.

For example, if you live in a neighborhood where the same developer constructed all the homes, those homes may initially have been insured at similar rates. But if you decide to upgrade your kitchen with marble countertops, add an extension, and finish the basement, the changes you make to your home increase the rebuild cost and make your rates higher than your neighbors’.

If you live outside Florida and need home insurance, you can shop online to find a policy that suits your needs — no matter how drastically you’ve updated your home.

American Traditions Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

American Traditions Insurance offers convenient options for filing claims. Policyholders can file claims online through the company’s website, ensuring a hassle-free process.

Additionally, they can contact the company over the phone to initiate a claim. While it’s important to note that the article doesn’t specify mobile app functionality for claims, the company’s modern conveniences may extend to a mobile app for claims filing.

Average Claim Processing Time

The article doesn’t provide specific information about the average claim processing time for American Traditions Insurance. Therefore, policyholders interested in this aspect may need to reach out to the company directly or consult their policy documents for more details.

Customer Feedback on Claim Resolutions and Payouts

While American Traditions Insurance is described as a reliable company with high ratings, the article mentions that there are only 13 total reviews on the Better Business Bureau (BBB) website. Therefore, it’s advisable for customers to explore additional sources of customer feedback and reviews to gauge the company’s performance in terms of claim resolutions and payouts.

Digital and Technological Features of American Traditions

Mobile App Features and Functionality

The article mentions that American Traditions Insurance offers modern conveniences, including online payments and claims filing. However, it doesn’t provide specific details about the features and functionality of the company’s mobile app. Policyholders interested in the mobile app’s capabilities should visit the app store or the company’s website for more information.

Online Account Management Capabilities

American Traditions Insurance appears to offer online account management capabilities, as the article mentions that customers can make payments online. However, the article does not delve into the specific features and functionalities available for online account management. Policyholders looking for details on this aspect should visit the company’s website or contact their customer service.

Digital Tools and Resources

The article briefly mentions that American Traditions Insurance provides modern conveniences to its clients. While it doesn’t specify the digital tools and resources available, customers can explore the company’s website or contact their customer service to inquire about any additional digital tools, resources, or educational materials that may assist them in managing their insurance policies.

What You Need to Know About the American Traditions Insurance Company

The American Traditions Insurance Company is a financially strong company that provides insurance to Florida homeowners. A home insurance policy through American Traditions provides the standard coverage you would expect with options to purchase identity theft coverage and mechanical breakdown coverage.

The average rate for a policy with American Traditions Insurance is higher than the state average, so it behooves you to shop around for quotes from at least three different companies before you put money down for a policy.

Now that you’ve concluded this detailed American Traditions Insurance review, enter your ZIP code to confidently compare free quotes from insurance companies near you.