American Modern review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
American Modern suits households and drivers in the US who want home, renters, auto, motorcycle and pet policies from a single insurer, with claims handled over online, phone and email. The typical starting premium across the insurers listed here is €8.31, and the group has been trading since 1965.
Key facts
- Best for
- US households wanting home, renters, auto, motorcycle or pet cover from a single insurer.
- Insurance types
- Home, Renters, Auto, Motorcycle, Pet↗
- Provider type
- Insurer↗
- Claims channels
- Online, Phone, Email, Chat↗
- Legal entity
- American Modern Insurance Group, Inc.↗
- Headquarters
- United States↗
- Founded
- 1965↗
- Support channels
- Phone, Chat, Email, Help-centre↗
- Official website
- amig.com
Facts checked September 26, 2026, 2 sources
Pros and cons
Pros
- One group covers home, renters and auto, so the house, the car and the pet sit with the same provider.
- Claims can be opened over online, phone and email, and day to day questions run on phone, chat and email.
- Regulated in the US by the California Department of Insurance, licence CA Lic. No. 6129-1.
Cons
- American Modern is an insurer, so there is no broker panel to compare and the quote comes from the company itself.
- Cover stops at home, renters and auto, so there is no life or health policy in the range.
- The group is registered in the United States, so terms and licensing follow US rules rather than a UK or European regime.
Who it suits
- US households putting home, renters, auto, motorcycle and pet cover with one provider, since the list runs to home, renters and auto.
- People who value a long trading record, with the group operating since 1965.
- Claimants who want a choice of contact route, from online forms to phone and live chat: online, phone and email.
Who should look elsewhere
- Linxea, if life cover is the priority: it lists life.
- Euroasia Insurance, if you want travel and gadget cover alongside property and car: auto, home and travel.
- Oney Préstamos ES, for health cover, since it lists health, life and gadget.
Who runs it
American Modern Insurance Group, Inc. is an insurer registered in the US and trading since 1965. It is licensed by the California Department of Insurance under CA Lic. No. 6129-1. Day to day contact runs on phone, chat and email, so you deal with the same company behind the policy rather than an intermediary.
How American Modern compares
9.5 vs 8.6
9.5 vs 9.4
9.5 vs 9.3
9.5 vs 9.4
9.5 vs 8.7
9.5 vs 8.5
9.5 vs 9.4
9.5 vs 8.7
9.5 vs 9.0
9.5 vs 8.7It covers health, life and gadget, so it reaches the health and life ground that American Modern leaves to others.
9.5 vs 9.4
9.5 vs 9.2
9.5 vs 9.4
9.5 vs 9.4
9.5 vs 9.4
9.5 vs 8.7Linxea concentrates on life only, which makes it a simpler pick when a life policy is all you need.
9.5 vs 9.0
9.5 vs 8.8
9.5 vs 8.9
9.5 vs 8.9
9.5 vs 9.0
9.5 vs 8.3
9.5 vs 9.5
9.5 vs 9.4
9.5 vs 9.4
9.5 vs 9.4
9.5 vs 9.3
9.5 vs 9.3
9.5 vs 9.3
9.5 vs 9.3
9.5 vs 9.3
9.5 vs 9.3
9.5 vs 9.2
9.5 vs 9.2
9.5 vs 9.2
9.5 vs 9.2
9.5 vs 9.1
9.5 vs 9.1
9.5 vs 9.1
9.5 vs 9.1
9.5 vs 9.1
9.5 vs 9.1
9.5 vs 9.0
9.5 vs 9.0
9.5 vs 9.0
9.5 vs 9.0
9.5 vs 9.0
9.5 vs 8.9
9.5 vs 8.9
9.5 vs 8.9- 9.5 vs 8.6
9.5 vs 8.6
9.5 vs 8.5
9.5 vs 8.4
9.5 vs 8.3
9.5 vs 8.3
9.5 vs 8.2- 9.5 vs 8.0
Where American Modern is available
- Available
- United States
- Licence in United States
- California Department of Insurance (CA Lic. No. 6129-1), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What kinds of policy does American Modern sell?+
The group writes home, renters and auto policies, so one provider can cover the house, the car, the bike and the pet. That makes it a natural fit for households with several kinds of cover to arrange at the same time.
Who regulates American Modern?+
It is licensed by the California Department of Insurance, licence CA Lic. No. 6129-1. As an insurer rather than a broker, the company that wrote the policy is the company that handles the claim.
How do I make a claim?+
Claims can be started over online, phone and email, so you can use whichever suits the moment rather than fitting round one channel. Have the policy details to hand when you make contact, as the claims team will need them to open the file.
How do I reach the company?+
Support runs on phone, chat and email, so help is available across several channels rather than by post alone. The same company that writes the policy answers the questions, which keeps the thread in one place.
Is American Modern a broker or an insurer?+
It is an insurer, listed as American Modern Insurance Group, Inc. in the US. The policy is underwritten by the group itself, so you deal with one company for the cover, the premium and any claim that follows.
Can I use American Modern outside the US?+
The group is registered in the United States, and its licence comes from the California Department of Insurance. Pricing, cover terms and claims handling are shaped by US conditions, so read the wording for your own address before you commit.
What do premiums start at?+
Across the insurers listed on this site, the typical starting premium is €8.31, and most quotes run from €2.92 to €29.72. Your own price turns on the property, the vehicle or the animal and where you live.
Where does the premium money go?+
Across the market covered here, insurers retain a median of 70.15% of retail premiums, with most running from 65.75% to 74.5%. American Modern operates in that market, so much of each payment funds claims and running costs.
Sources
- en.wikipedia.org/wiki/American_Modern_Insurance_Group checked September 26, 2026
Backs: Founded, Headquarters
“The group's primary insurance companies were founded in 1965.”
- amig.com checked September 26, 2026
Backs: Claims channels, Provider type, Insurance types, Legal entity, Support channels, Licences
“File a claim ... Track a claim ... Chat with our virtual assistant 24/7. You can check on your claim, get billing details ... +1 (855) 469-2644 ... servicecenter@amig.com”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from, Monthly payments.
Related by the facts
American Modern
US households wanting home, renters, auto, motorcycle or pet cover from a single insurer.