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American Modern Insurance Review

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Nov 30, 2018

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American Modern Insurance
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American Modern is an insurance company catering to the specialty insurance market. With policies for homes and vehicles that are outside the standard auto and homeowner’s insurance framework, American Modern fills in the gaps left by other insurance companies.

American Modern Summary

American Modern is a group of specialty insurance companies dating back to 1965, when American Modern Home Insurance Company and American Family Home Insurance Company were both founded. These two companies formed the beginnings of the insurance group and are still the main subsidiaries. The initial focus was on insurance for manufactured homes, which was then an under served market. The insurance companies were an expansion of Midland Discount Corporation, an auto finance company going back to 1938.

In 1990 American Modern started expanding into other specialty products, including watercraft insurance and collector cars. In 2000 further expansion added ATVs and snowmobiles, Over the following years, American Modern began providing other home insurance coverage for seasonal and rental homes that do not qualify for standard homeowners.

American Modern products are sold in a variety of ways, including through agents and by insurance companies looking to expand their product lineup without underwriting the policies themselves. American Modern’s subsidiary companies bear the American Modern, American Family, and American Western/Southern names.

American Modern’s headquarters are located in Amelia, Ohio. In 2008 international corporation Munich Re purchased the entire Midland company, including American Modern Insurance Group.

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Insurance Products

American Modern writes a variety of specialty home insurance products, as well as policies for recreational and collectible vehicles.

Specialty Home Insurance

American Modern started as a manufactured home insurer, but now offers many different types of home coverage:

  • Mobile Home Insurance – Offered for all different types of factory-built homes, including single, double, and triple-wide mobile homes, in addition to one and two-story manufactured homes. Homes can be either owner-occupied or seasonal, rental, or even vacant with the American Modern program.
  • Non-Standard Home – Policies cover homes that are owner-occupied but do not qualify for standard homeowners policy. This can be due to location, previous claims, or other issues with the house.
  • Vacant Home – Insurance designed for homes that are currently unoccupied for a variety of reasons such as, renovations or rentals that are currently between tenants.
  • Landlord Insurance – Provides coverage specifically for the needs of landlords, providing extra coverage such as loss of rent.

Specialty Vehicle Insurance

American Modern writes several products to cover the types of vehicles that standard insurance companies leave behind.

These include:

  • Collector and antique cars
  • ATVs
  • Snowmobiles
  • Recreational Vehicles
  • Personal Watercraft
  • Golf Cars
  • Motorcycles
  • Boats
  • Yachts

Additional Products

Pet Insurance

The newest addition to the American Modern lineup, pet insurance provides pet medical insurance. Coverage includes accident and illness protection, and there is also an option to cover well checks and annual vaccinations.

American Modern Rates

American Modern does not offer online quoting. Their policies are sold mainly through agents or are underwritten by the company on behalf of another insurance company or group. As a result, it is more difficult to obtain a price comparison than with other companies, even other non-standard insurers.

Claims

American Modern lives up to their name, with a modern approach to claims filing that includes all of the options you would expect from a much larger insurer. Claims can be filed by phone through a 24/7 toll-free line: 1-800-375-2075, by mail, fax, or even online.

Claims adjusters are assigned immediately at the time of the claim being filed, and American Modern will provide the policyholder with the adjuster’s name and contact number right over the phone when filing a claim through the toll-free line.

The adjuster will then begin the process of inspecting the damage and determining what coverage is available. When this is complete, the adjuster will then discuss the settlement with the policyholder and pay out the claim minus any applicable deductibles. American Modern field adjusters can frequently provide an immediate check to customers right on the site of the inspections.

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Consumer Research and Complaints

American Modern has been accredited with the BBB since 1947.  The site gives the company an A+ rating and lists a total of 70 complaints against American Modern in the past three years. Of the 70 complaints, 22 of them have been closed in the last 12 months. This is not a large number for a company of this size.

There is not a lot in the way of reviews available for American Modern, which may be a function of the frequency with which the policies are sold through other insurance companies that don’t underwrite that type of coverage. Customers may be placing their reviews under the name of the insurance company through which they purchased the policy, not the company actually responsible for underwriting and administering the policy.

The reviews that can be located for American Modern are somewhat balanced, surprisingly, as positive reviews of insurance company’s are often hard to come by. American Modern does have its share of negative reviews, mostly pointing to dissatisfaction on the part of the insured with the outcome of a claim. There are also a number of positive reviews by customers who are very pleased with their policies and service.

There is certainly nothing worrisome in the reviews, and the overall impression is a positive one.

Financial Strength

Rating Company Grade Financial Outlook
AM Best A+ Stable
Fitch N/A N/A
S&P N/A N/A

Bottom Line

While those in search of standard insurance will do better elsewhere, anyone looking for a non-standard policy, specialty home, or vehicle policy will likely find American Modern on the list of options. If you are being offered American Modern insurance through another company or group, it is a choice that is well worth considering. Although their rates are bit unknown, they provide specialty coverage and great deal of market experience that is not found by other companies. Combined with a strong reputation and a solid claims system, American Modern is a good choice.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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American Modern
Author Rating
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

37 Comments

  1. I am 75 years old and have never had an insurance claim on any home until this year.

    American Modern handled claim promptly and paid losses promptly.

    They answered phone and responded promptly, courteously.

    However a few days ago they informed me that they would not renew policy.

    Claim was for water damage and it was not that big of a claim.

    American Modern is in the business of insurance in return for premiums paid.

    It seems patently unfair that a company whose business is insurance…can refuse coverage just because you have a claim.

    Do they really expect policyholders just to pay premiums and NEVER file claims?

    Reply
  2. I am on the break of a heart attack dealing with the company!

    Getting a claim approval was not the problem that happened without a hitch!

    However, the check that was written to me BOUNCED now my account is negative over 5k and I’m due to move into my new apartment this week and do not have the money.

    Nevermind the fact that I am racking I mean racking up on overdraft fees and CANNOT REACH ANYONE WHO CAN HELP ME!

    I called my agent who will be out of the office until for the entire week!

    I called customer service who was not helpful at all!

    No one knew what to do or who wrote my check!!!!!!!!!

    I am FURIOUS and LOST!

    I feel like a victim of fraud as if I haven’t lost ENOUGH!

    Reply
  3. Hello Lynn,

    While clearly you are frustrated your post leaves a few questions to understand why they denied the claim.

    Was the roof physically damaged from the wind, or was the water just able to enter and there was no clear damage to the roof itself.

    In the case being no clear damage from wind but the water being able to enter in did they mention wear and tear, a maintenance issue, age of the roof etc as the cause of water able to enter?

    From what I am used to on a homeowners policy, typically a peril covered on the policy must be the cause of the damage.

    For example, high winds are able blow shingles off and then the ensuing rain enters. They may typically cover the portion of damaged roof and ensuing damage to your home depending on the listed exclusions and conditions in the policy contract.

    Sometimes roof damage is paid at depreciated cost to repair the damaged section, age of the roof come in to play etc.

    Also depends on location, some companies will exclude wind damage entirely so important to verify.

    If there were no damaged shingles or roof damage caused by the rain they may deny all claim damage.

    Some companies, not all, may actually still pay interior water damage in the case a roof in this example did not experience actual damage but due to heavy rain or some possible was able to make it through and damage interior walls, personal property etc.

    In the end, it comes down to the insurance company you are with and their specific contract language and exclusions for each type of loss.

    Look at it this way, someone could have what was supposed to be a 20 Year roof,

    now it is year 25 past its expected lifetime, due to deterioration the roof was week and one good set of storms caused some havoc, now the insurance company is on the hook for not only the roof but possible interior damage to the home and personal property.

    That $40,000 claim is then shared in future rate adjustments with both other people insured with the company and also the insurance company.

    So they need to put exclusions in there to protect all interests.

    Not to sound rude as not my intention, I am curious to know what the verbiage on your particular policy is when it comes to covered perils, i.e. wind, fire, water, etc.

    In either event, you are leaving a great comment in the sense that all of us as insureds should be asking these type of specific scenarios of losses to understand what our insurance policy will and will not cover or cover partially.

    In the end, if you cannot get a resolution on your end with claims directly I would recommend you find a public adjuster, I had one of my clients call one after a denied claim and they were successful for him and they ended up paying a pretty large claim.

    Feel free to email me championpatriot@hotmail.com with your email and I can share their info.

    I do not work with public adjusters in any way and I am not compensated from them but what I do know is as a homeowner myself in a loss scenario with real life we have to deal with understanding how to argue our policy contract is the least of our abilities.

    Reply
  4. Hi. I’m trying to figure out how much damage had to be done in a storm for American Modern to pay for repairs to a roof?

    Or what’s the least amount they’ll pay for. We’ve been with these people for 14 years.

    They’ve only paid out 1100 dollars in claims to us during this time…

    We’ve hadn’t lots of rain and wind in the last couple of months. Saw a spot in the bathroom and realized roof was leaking.

    Terrified!! Call the company, adjuster comes out, denies the claim.

    I thought insurance was to keep the customer from a double whammy ( Pay insurance then pay to fix what’s wrong).

    Why have insurance if it doesn’t protect you!??!

    Reply
  5. I had American Modern Insurance and would highly recommend that you not trust or deal with with company. Unfortunately, I had three years of hail damage and this year the company sent me a letter of Non renewal notice as a result of to many claims. I am sorry , but is that why we purchase insurance is for property damage and to have property restored to it’s original value. AMI , wants you to pay the premiums but does not want you to file a claim to have your property fixed. This company has serious moral problems and has no ethics when it comes to providing their clients with services for which the client pays. I would not recommend anyone to purchase insurance through AMI , because ALL the company wants is your premiums, but then will send you a Non Renewal notice if you utilize the insurance when your property receives damages due to hail . My original premium was $500.00 , but raised the premium to $1000.00 after the second hail storm hit. Apparently AMI would rather have me live with holes in my siding , torn screens and a damaged roof from quarter size hail that damaged my home three times. If you are looking for insurance I highly recommend that you don’t trust AMI , because this company is interested in your premiums only and when you utilize your insurance to cover the damage you will eventually be punished for utilizing the insurance to fix your property. DON’T TRUST AMERICAN MODERN INSURANCE TO PROTECT YOUR HOME AND FAMILY.

    Reply
  6. Do not get this insurance for your classic or older car. You will NOT get paid… If you do not believe me, let me know [redacted]…. I will be more than HAPPY to let you know more details.

    Reply
    • Rick,

      We are so sorry you’re unhappy with us. Please give us a call at at (800) 543-2644 so we can discuss your specific concerns and work on improving your future experience. – Customer Service Team

      Reply
  7. Modern Insurance –
    This insurance company is a JOKE !!!! It will NOT pay for your Antique Auto loss. The quoted me the part that says the car was not “Garaged”… that is a lie, the policy also says that the car can be used to go to Repair shops ….., Weekend driving…, Going to Car Shows… I had my 1968 Camaro stolen in HUMBLE, TX (part of Houston metro) So I need to let you ALL know this: DO NOT BUY INSURANCE from this company. You might believe you are insured but you really ARE NOT… Pass this on if this information is helpful…

    Reply
    • Out of curiosity Rick, did they mention it was “not garaged” based on the accumulated miles driven on the car from the time you got the policy until the loss?

      I have found that classic car policies are pretty inexpensive with very low deductibles and they insure this way with the expectation of the annual miles to be at a certain limit.

      I am just curious, I have been an insurance professional for 14 years and I have NEVER had a claim on an auto policy denied unless there were items not in line with the policy conditions.

      In any event, if you do not get any headway by yourself on your claim I would consider contacting a public adjuster, if you are unaware of what they do basically they are adjusters that represent you and try to get the claim decision changed for a percentage of the successful claim payout.

      You can email me if you want me to share your info with someone I know that was successful for one of my clients.

      In the end, it will come down to if you were within the policy conditions you may be successful.

      Reply
      • I had a classic car policy with American Modern for several years.

        Then one year they sent me a “summary of policy changes” and they added the verbiage “The occasional pleasure use definition no longer includes a vehicle temporarily left un-garaged for less than 24 consecutive hours on the residence premises.

        Also, the vehicle may be located at a temporary lodging of the named insured, however, this does not include a residence premises of the named insured”.

        After numerous emails to my agent questioning this verbiage and not getting a definitive answer and although I am not a licensed agent common sense told me in the event of a loss if the vehicle was anywhere other than the garage the policy would not payout in the event of a loss.

        I canceled the policy as fast as I could and went elsewhere.

        For those that currently have a classic car policy with this company, I would read your policy very carefully and ask your agent what exactly this means and I would not recommend taking out a classic car policy with this company.

        Although the rates are much cheaper than any other classic car policies its worth a piece of mind knowing you will be covered if the vehicle is not in your garage.

        Reply
  8. American Modern Insurance for Earthquake Coverage – my experience with them.
    1/ This company does not allow you to talk to a real person. When you call their numbers provided you get a phone tree that does not allow for talking to anyone.
    2/ If they are billing your credit card/debit card monthly and the credit card has a change of expiration date the billing will fail and they will bill you more next month as a penalty, and that goes on and on. When the billing of your card fails due to a change of expiration date, they don’t try to contact you – only penalize you. If you want to contact them to give a new credit card date or other card information, you cannot find any way to talk to a live person to give the information to.

    Reply
  9. I have a request for reimbursement for a 1968 Camaro SS that has not been covered.
    Policy # [Redacted]
    My Camaro was stolen during the Super Bowl in Houston. I had it out for the SuperBowl events, activities, and cruising. Because it was not in a “Garage”, American Modern tells me it is not covered. This is a bunch of [redacted]. That is why we all have cars insured for this purpose. I plan to go to every Car Show and let the members not to have the same issue that I have had. I did file a police report, had an investigator try to find info, I checked with the Tow Truck drivers in the area to try to find my car. The Instigator did mention that this was a “Professional” theft. They knew where to cut off the alarm, and used a “quiet” tow truck with little or no lights. I searched for months at wrecking yards, even put out a $1,000 reward for information, to no avail. I have to ask, like most of you that attend Car Shows out of town, I have parked at Hotels, Motels, and friend homes. The car is not “Garaged”…. so why won’t American Modern pay me for my loss? Like I mentioned at the beginning, I plan to pass out this information to ALL insurance reviews, Car Shows until I get this resolved. American Modern, you can call me when you send me my check for $49,000.

    Reply
  10. So, Lightning hit our pole a week ago. We currently have no insurance but filed a claim. We have been put up at a hotel since Wednesday. Today the adjuster came and was rude. He showed up thinking he needed to check the roof when we explained that the problem was the electrical he was complaining saying we ran up $2000 at the hotel and if we were still there. The fact is that we have only been there for 5 days and the room has been ranging from $119- $150. Then he only wanted to replace the box not the pole like the electrician had requested. We lost about $1000 of food and he told us they would only pay $100 for food. After reading the reviews here I am scared that we are screwed.

    Reply
    • We do have insurance but no electricity

      Reply
      • We had Ami for a year and we have had nothing but trouble trying to pay them our premiums. They couldn’t ever get our banking info right so we couldn’t pay them so we had gotten canceled twice and calling the supervisor was a joke. She couldn’t tell me why they couldn’t get our banking info correct so we could pay them money. I am so glad we never had to make a claim. As I see they are horrible trying to deal with them. So my suggestions don’t use this company for any of your insurance needs they have horrible customer service and will not answer any questions you may have. I MEAN HORRIBLE CUSTOMER Service. Don’t use them

        Reply
  11. All of these statements are so accurate. We too were burned by this “insurance” group. Our A/C unit was struck by lightning. We had 3 HVAC companies, a computer company, and electricians verify this and let AMI know. They denied our claim, the adjuster was SO SO rude, and they INSTANTLY denied our appeal. They are SERIOUS scam artists. I will be sure to let everyone we know, know how horrible this company is. AWFUL EXPERIENCE.

    Reply
  12. Agree with the other commenters. Do not buy any insurance underwritten by American Modern. Avoid them at all costs. And if you did (like us) and have your claim denied, then don’t bother ‘appealing’. They simply do not respond in ‘good faith’. Their denial letter was so sloppy it actually admitted we had a covered cause of claim while denying any payment. Obviously, if your business model is bad faith denial of all claims until reaching the courthouse steps, you also naturally begrudge spending any money on qualified staff.

    We instead did our legal research for breach of contract, prepared our detailed case for a small claims court filing, then filed a complaint with the Florida Department of Financial Services as a last step before filing suit. Suddenly this insurer responded to the State of Florida that, although they still denied our claim in toto, they had made a ‘business decision’ to pay our claim in full anyway.

    Iron fist and brass knuckle legal tactics are the only things this deadbeat bad faith underwriter will respond to.

    Avoid American Modern at all costs. They only offer ‘Fake Insurance’, not the real thing.

    Reply
    • I couldn’t agree more!

      Reply
  13. We live in the Prescott Arizona area and are working with a Elderly lady who has Insurance called American Modern Select . We understand this is a subsidiary of American Modern Home Insurance. A recent storm dropped a branch on the roof of her trailer and crushed the roof and punched a hole through to the inside and with each rain, which has been coming daily, water is pouring into the trailer. She has put in calls to get an adjuster to move on this as she has contracters prepared to repair the damage. This is going into the fourth day and more damage is accumulating daily. As to this point she has been treated very disrespectfully by the adjuster. We need this resolved quickly so more damage does not occur.

    Reply
    • Hello There, just happen to run into this comment while doing some research. Although obviously very past the date of this incident, and hopefully all is now well. It seems some expectations of insurance adjusters and companies have been skewed. If we have a loss scenario such as this one, job one as homeowners prevent further damage. The policy they have/had likely would have reimbursed them for reasonable emergency repair costs to prevent the damage from continuing until the claims process moved forward. As a homeowner we are the ones that hire the contractors to fix our property, the adjusters job within insurance is to first approve it as a covered loss and then pay the reasonable estimated damages that are covered. They are not the contractors, they have preferred vendors that they work with but you have no obligation to use them. For future situations like this first thing, stop any further loss from occurring, in this case hire someone to stop ability for rain to enter into home or damage structure any further. Then expect some time before an adjuster can meet and inspect, then agree with any final repair estimates the contractors provide. My suggestion to your friends, family and clients, help create a list of vendors you would call in a given emergency situation. I.e. Plumber, roofing contractor, restoration company for water in walls, flooring etc, tree service.

      Reply
  14. I have AMI and never had any problems. The good thing is AMI goes down on your premiums if you have no claims. Great Company

    Reply
  15. After reading all this I’m glad yall cancelled me for the stupid reason you stated.Have a nice day.

    Reply
  16. I totally agree with all of these comments . I will never insure thru AMI and will be pursuing my claim thru the Kansas Insurance Commission. Thanks for nothing AMI

    Reply
  17. I have 2 landlord policies with this company for about 4 years. On September 2, 2016, I made a payment via EFT, a method that I’ve always used, for the Sept 8th due date. On September 27, my payment was returned to my bank account and one of my policy had been cancelled due to “non payment”. I talked with one of the rep, she was so nasty. She said her company does not accept electronic payment. I then email the customer service, and copy the “return notification” from my bank in my email to prove that the payment had been made 6 days before the due date but it was returned, with a hope that they could investigate. Guess what? All I was responded was that the policy was cancelled due to non payment. This company does not need customers. They do not bother to listen to what we have to say. Take you policy to some place else, where your business is appreciated. I just purchased 2 more rental properties and thought I would use this company for my Landlord need. But no, not any more.

    Reply
    • I agree, Anyone looking for home owners insurance should never use this company…they take your money and do not honor ligitimate claims. I will be in touch with Ca. insurance comm. office and Better Business Bureau

      Reply
  18. Going through the claims process with these folks right now. The accident happened on July 27th, we are now over 6 weeks into it and I haven’t the faintest idea what they’re going to offer me for my totaled vehicle. The first adjuster was very pleasant and helpful. She got the vehicle towed immediately and started the process, then I was transferred to a different adjuster. WOW, what a difference, she doesn’t return phone calls or emails and when she does she is a first class [Redacted].
    It sure isn’t fun dealing with these folks yet.

    Reply
  19. I recenter had a theft claim, and these people act like I’m the thief! This the absolute worse treatment I have ever experienced. This is a horrible company, and I would not recommend this company to anyone.
    They don’t return calls, I spoke to a supervisor named [Redacted], he was rude and not helpful at all, all I wanted was status and all he could did was accuse me of false photos, as I told him over and over, I tried to gather what I could. He said they would get back to me. This company seems like a scam.

    Reply
    • They AMI deny your theft claim? I am going through this now and it has been pure hell working with these adjusters and supervisors. They are acting as if I am the thief as well and this process has been going on for a while now. I would like to know how your claim turned out?

      Reply
  20. Let me start out by saying, up until we had to file a “Burglary Claim” we had not had any complaints. On our first claim with roof damage after a wind storm claim went smooth no issues.

    But with this burglary claim we were treated like we were the thieves not the victims. From the start with our agent telling us if we filed a claim our premium would go up for 3 years, I balked on filing a claim but agent insisted. Then had to deal with the adjuster, who treated us like we were trying to rip you all off. Insisting that we either had to have pictures(which we did on the camera that was stolen),receipts or the box that they came in. By far we were not claiming for way out there items. But we only had receipts for a couple of items that we had to dig for and luckily I have OCD and had those, I keep receipts for 7 years. But alot that was stolen were gifts. that we never had receipts for.

    For any one else that goes through your company needs to be aware of your criteria for being able to get reimbursement for insurance they are paying for. If I had know this I (being OCD) would have had them and any pictures stored offsite. and as for the receipts. Any receipt that is printed on thermal paper (pretty much all of them) will go away after a few years.

    I have since talked to several other insurance agents and they are telling me that this is not normal when filing a claim of theft with their companies. and so far you all are the only ones with this crazy policy.

    Reply
  21. I just emailed AMI that we have not received our renewal policy for our collectible car due this year. Reply was:

    This collector policy canceled on September 20th, 2015
    For non payment of the renewal premium.

    We are showing your mailing address as:
    xxxxxxxxxxxxxxx
    xxxxxxsburg, MD

    This policy cannot be reinstated, but we can offer a new quote based on current Underwriting rules and regulations. Please
    Note that This account would no longer be under the Mecum Insurance Agency, but would be quoted through the company direct
    here at American Modern Insurance Group.

    Is there anything that we would need to change? The auto is a 1958 Vette with a $70,000 Agreed value under a 1,000 annual mile or less tier.

    Just let me know if you would like a requote.

    Thank you,
    [Redacted]

    I emailed:
    The above said address is correct. We never received any paperwork to renew this policy. We had NO idea it was cancelled. We have been driving with no insurance for a year?? MVA is going to charge us every day we have had these tags without insurance!

    Burned by AMI! She is ignoring me now.

    Reply
  22. Was told by rep that they used google earth to indicate my home has 1 car garage because of 1 door. Told them garage is length of house & could fit 4 cars end to end but she would not believe me. Also was told google earth showed car under cover was indication that collector car was not garaged. Told them this was project car that was unregistered/uninsured but she could care less. Guess they have x-ray cameras now!
    American modern is using spying techniques to draw their own conclusions! Could only imaging what issues customers would have if you filed a claim with them!!
    Terrible customer service & horrible unfair business practices! Stay far away!!!!

    Reply
  23. The customer service that this company provides is appalling. We waited 10 days for an adjuster, when we were promised one in three days. They DO NOT return phone calls and then they deny the claim for something that is clearly covered under their policy guidelines. They have put my elderly in -laws in a unhealthy situation and this falls perilously close to elder abuse. This is not the insurance company to do business with.

    Reply
  24. I am extremely disappointed in American Modern Insurance ! They have taken care of my claims to a point concerning 25 ft fallen pine tree March 24, 2015 but they do NOT return calls in timely manner or ever for most part !! 2 weeks ago I called again to report I’ve found more damage inside my home due to roof damage from fallen tree & noone has called me back !!

    Reply
  25. I am wondering why no one returns phone calls? I have called several times and have been out of a car now for a month. I was hit by your customer and have had an estimate done 2 weeks ago, however I have heard nothing back from you. Do we need to get a lawyer to move things along? No one in your office in claims will return a simple phone call, but say they will within 24 hours. this is getting ridiculous.

    Reply
  26. I am in agreement with the company being a scam. I filed a claim for my heating unit which is covered under the policy. My home is 7 years old and the best they could come up with not paying the claim is that it was a preexisting problems. What! I said. The furnish went out. They put us up in a model Holiday Inn for one week because of the cold weather and they contact a company here to diagnose the problem. I company was surprise because they have never been called by AMI before to do any work. When it was over, the heat and air person said it was a the blow fan and the bearing was bad. The cost would be about 500 put freeze ion replacement. They denied the claim and would not reveal any evident of the cost or invoice from the air/heat company. I obtained one direct from them and found that what AMI stated was not what was on the invoice. They have a habit of scamming and not paying claims. I am letting every person know so they can avoid doing business with these people.

    Reply
  27. my rate doubled in one year of having insurance (mobile home) through them from 500.00 a year to 1000.00. Although I had NO claims and there is NO crime in my area or natural disasters. I don’t freaking live in NEW ORLEANS.
    This is some kind of scam. I understand a percentage increase but 100 percent increase? no way am I paying for other peoples claims, that’s totally unfair to me.

    Reply
    • My rate just doubled also; for a mobile home and nothing has changed, I live in rural, no criminal activity that I know of. I thought they were excellent and I had no issues but from 500 to 1000 is ridiculous. Guess its time to go with another insurance company. Oct 2018.

      Reply

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