American Traditions Insurance Company

The American Traditions Insurance Company provides home insurance only to Florida residents. This company offers adequate coverage, but homeowners pay on average $2,314 per year with American Traditions Insurance.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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The Highlights

  • American Traditions Insurance is only available in Florida
  • You can pay for your American Traditions Insurance policy online
  • You can shop online for a home insurance policy

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.

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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
StatesAverage Annual Home Insurance Rates
Alabama$1,624
Alaska$1,291
Arizona$1,355
Arkansas$2,142
California$1,224
Colorado$1,899
Connecticut$1,184
Delaware$882
Florida$1,353
Georgia$1,713
Hawaii $501
Idaho$1,051
Illinois$1,322
Indiana$1,587
Iowa$1,502
Kansas$2212
Louisiana$1,813
Maine$956
Maryland$1,124
Massachusetts$1,307
Michigan$1,120
Minnesota$1,952
Mississippi$1,773
Missouri$2,251
Montana$1,770
Nebraska$2,816
Nevada$1,047
New Hampshire$839
New Jersey$751
New Mexico $1,408
New York$1,840
North Carolina$1,166
North Dakota$1,323
Ohio$1,164
Oklahoma$3,482
Oregon$756
Pennsylvania$758
Rhode Island$1,193
South Carolina$1,142
South Dakota$1,958
Tennessee$1,625
Texas$2,207
Utah$647
Vermont$686
Virginia$1,013
Washington$863
West Virginia$1,124
Wisconsin$986
Wyoming$1,263
National Average$1,393
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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.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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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.

Frequently Asked Questions About American Traditions Insurance

You may still have some questions after reading this review about the American Traditions Insurance Company. Below, you can find answers to some of the most commonly asked questions about this company.

#1 — Does American Traditions Insurance sell car insurance?

American Traditions Insurance doesn’t sell car insurance policies, so if you were hoping to bundle your home and car insurance for a discount, you can shop online to find insurance companies that offer this feature.

#2 — Does American Traditions Insurance sell life insurance?

You can’t buy life insurance through the American Traditions Insurance Company, but you can shop online to find reputable life insurance companies that can get you the coverage you need.

#3 — How can I buy a policy from American Traditions Insurance?

You can use the American Traditions Insurance online quote tool or use the website’s “Find an Agent” tool to locate an agent that can get you the answers you need.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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