American Modern review

American Modern is an insurer, and the contracting company is American Modern Insurance Group, Inc.. It is a group rather than a single product line, with home, renters and auto sold under the same name, and it has been trading since 1965.

The listed cover is home, renters and auto. A household can hold home, renters, auto, motorcycle and pet policies with the same group, so a pet owner can add a car or a home policy to the same insurer.

The list stops at home, renters and auto, so landlord, travel, life, health and home emergency policies sit outside it. Anyone wanting one of those would look at a wider list, such as Good Sam Insurance Agency's auto, home and renters.

The named regulator is the California Department of Insurance in the US, and the licence is listed as CA Lic. No. 6129-1. The legal entity behind the policies is American Modern Insurance Group, Inc., so cover is with a named US insurer rather than a comparison site.

The group's home country is US, and it was founded in 1965. Both points matter for anyone judging stability, since the company carrying the risk has a traceable history rather than a recent launch.

Claims can be reported on online, phone and email, so a loss can be opened online, by phone, by email or in chat. That route is listed separately from general enquiries, which run on phone, chat and email.

Help runs on phone, chat and email, covering phone, chat, email and a help centre. The claims path is listed apart from it on online, phone and email, so the two kinds of contact are set out separately rather than run together.

The only country named is US, and the sole regulator listed is the California Department of Insurance under CA Lic. No. 6129-1. Buyers in the UK would find the cover set here narrower than a UK specialist's.