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American Traditions Insurance Company

Following the devastating hurricane seasons of 2004 and 2005, one group of insurance professionals decided to provide a solution for Florida homeowners. This group consisted of the Jerger family, who have been leaders in the Florida insurance industry since 1946. American Traditions Insurance Company soon received their Certificate of Authority so they could begin writing policies for manufactured homes. American Traditions Insurance Company leads the way by providing residents with coverage for manufactured homeowners at a budget-friendly price.

Shortly after this amazing breakthrough, ATIC began to write homeowners and condominium policies. In fact, in 2007 ATIC grew quickly and launched an affiliate company Modern USA Insurance Company. American Traditions Insurance is managed by an executive team with a combined 100+ years of experience in the Florida insurance industry. All products that are offered are written through a vast network of FL independent insurance agents who are chosen carefully to represent ATIC. Only the agents who represent high standards of integrity, good faith, and outstanding interactions with the public.


American Traditions Insurance Company

American Traditions Insurance Company boasts an A+ BBB rating. This simply means that this company are great to their customers, and will solve any issues promptly. ATIC strives to make customers happy and to handle all complaints.

ATIC has a qualified executive team. Leading this team is T John Jerger, Jr. who is president. Mr. Jerger has over 22 years of insurance experience in the Florida homeowners market. Mr. Jerger also is involved in negotiating and securing the company’s reinsurance.


What types of coverages does American Traditions Insurance provide?


Homeowners Coverage at ATIC

A policy from American Traditions Insurance provides protection for your home, other structures, and your belongings if they are destroyed by a covered peril. For example fire, hail, lightning, theft, and vandalism. If one of these covered perils damages your home, loss of use is included in your policy. Therefore temporary housing coverage and expenses are covered while your home is being repaired or rebuilt.

For extra peace of mind, American Traditions Insurance also includes personal liability coverage and medical payments to others if someone else is injured on your property due to your own negligence or if you accidentally damage someone else’s property and are taken to court. ATIC can also provide additional coverage options. This includes replacement cost on personal property, jewelry limits, personal injury limits, mechanical breakdown, and even identity theft.


As mentioned above coverage for manufactured homes is also available. Let American Traditions Insurance provide coverage for your home. No matter if it’s a manufactured home or a traditional home.


Condo Unit Owner Policy

It is important as an FL condo owner that you understand exactly what your policy covers. Most companies only provide policies where you are responsible for your own personal belongings. However, a policy with ATIC will be able to provide coverage for your personal property if it is damaged or destroyed due to a covered peril.


Renters Coverage at American Traditions Insurance

An HO4 policy, also known as renters insurance, will cover you against damage of personal property owned by you, the tenant.  It’s important to remember that your policy from ATIC will not cover the actual dwelling that you are renting. Your policy will strictly cover your belongings where you live, and your items when you travel. If your rental dwelling becomes damaged by a covered peril, then your policy will help pay for alternate living arrangements. Optional Coverages include liability and medical payments coverage so you can protect yourself and your guests in your rental home.


As a Florida resident, ATIC strongly recommends that you prepare yourself for hurricanes. Hurricane season here in FL is between June 1 – November 30th. Severe weather doesn’t just show up at an expected time though. You must be protected from disaster at all times.

American Traditions Insurance strongly recommends that you review your homeowners insurance policy by asking yourself these questions:

  • Is your coverage up to date?
  • Have you made any upgrades to your home?
  • Are you okay with your current deductibles?
  • Do you have enough coverage to repair or replace your home?
  • Are your belongings inside your home covered?
  • If your home becomes uninhabitable, are you provided with ALE?
  • Are you covered in the event of a flood?



Be on the lookout for a new policy type!

Be on the lookout for American Traditions Insurance Company’s new policy! Coming soon is the Manufactured Home Renters –MH4 policy. This is often referred to as renters insurance but for manufactured homes. The MH4 policy does not cover the actual manufactured home that is being rented. This policy works exactly as a renters insurance policy would. If your manufactured rental is damaged by a covered peril, then your policy will also cover additional living expenses.


In conclusion, the American Traditions Insurance Company is definitely a great company to purchase the coverage you need in Florida. We are proud to have them as a partner. If you are interested in this company, collect a quote here now!

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