American Modern Insurance GroupReviews of amig.com

I had a renters insurance policy with eRenter, underwritten by American Modern (Policy #104452118). My claim involved direct physical damage to my personal items due to mold. The policy clearly includes coverage for damage caused by fungi, wet or dry rot, or bacteria up to $10,000. Yet, my claim was denied — falsely blaming “poor ventilation” as the cause, despite the resulting mold being the covered peril. When I tried to get answers, a representative named Monique hung up on me and refused to return my calls. The lack of professionalism, the bad faith denial, and the misapplication of the policy terms are unacceptable. I’ve submitted formal complaints to the Florida Department of Financial Services, Attorney General’s Office, and other regulatory bodies. If you’re thinking about getting renter’s insurance through eRenter or American Modern — don’t. They do not stand behind their own policy language and treat their customers with blatant disregard. Do better.

I was referred to this Company by USAA. Don't waste your time. I had a terrible interview with this Company's representative. He kept asking the same questions over and over three times. American Modern Insurance Group charges way too much for what it offers. I looked at their reviews, and they were one horror story after another. USAA should not offer this to its membership.