American Traditions home insurance in Florida
NAIC #12359 · WWW.JERGERMGA.COM
This page summarizes publicly available information about American Traditions and general questions to prepare before you ask for a quote. For American Traditions, start with the roof age and type. Then check the pipes, panel, wiring, and home use. Review past claims too. Keep proof of each update or repair. American Traditions requirements can change and must be confirmed for the current form, address, and effective date. Only the carrier can determine eligibility. Ask an appointed agent to check the latest guide for your home.
Active & FL-Licensed Since 2005
NAIC #12359
FEIN not yet verifiedFlorida Availability
Not yet verified
Citizens Relationship
Former Takeout Participant
Property Types
Not yet verified
Unique Programs
10 identified
Where American Traditions Writes Coverage
American Traditions holds an active Florida license; county-level availability has not been independently verified.
Specific county-level availability has not been independently verified. Confirm current openings with a Florida-licensed agent.
American Traditions is listed in this directory under the Florida OIR record AMERICAN TRADITIONS INSURANCE COMPANY, with an active Florida license dating to December 2005. We have not independently verified which counties, policy forms, or programs are currently open for new business. A Florida-licensed agent can confirm current availability in your area. A former Citizens takeout participant. Our Citizens Insurance guide explains how takeout offers work.
Key Takeaways
General Eligibility Considerations
What to confirm with American Traditions or an appointed agent
This profile provides public company information and a general checklist of factors to discuss before requesting a quote from American Traditions. It does not reproduce the carrier’s complete underwriting guide or determine whether a specific property or applicant will qualify. Current requirements may vary by program, policy form, county, property condition, applicant, and effective date. Confirm every eligibility question with American Traditions or a Florida-licensed agent appointed with the carrier.
Public Information
What public materials state about American Traditions
The entries below are limited to statements that appear in a linked public carrier document or public page. Each entry identifies the source and its date. A public statement may have changed since its source date or may apply only to a particular form, program, or territory.
Flood
Standard homeowners; confirm the selected form | American Traditions / Jerger MGA
Jerger's public FAQ states that standard homeowners coverage does not include flood damage, and directs customers to obtain separate flood insurance. Confirm the available flood product with the appointed agent.
Public source: Jerger MGA, Frequently Asked Questions · undated live page · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
Contact
Company contact; not an eligibility rule
American Traditions claims reporting through Jerger: (866) 270-8430, listed as 24/7. Customer service: (866) 561-3433. These are different contact roles.
Public source: Jerger MGA, Frequently Asked Questions · undated live page · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
GLOSSARY
Terms Used on This Page
BEFORE YOU ASK FOR A QUOTE
Questions to Ask Before a Quote
- Does your agency work with this carrier and policy type?
- Is the carrier open for new business at this address?
- Does the roof meet the current age, type, and condition rules?
- Will the carrier ask for a four-point, wind, roof, or other inspection?
- Do the pipes, wiring, heating, cooling, and water heater meet the rules?
- How would American Traditions pay for roof damage? Would it use replacement cost, actual cash value, or a roof schedule?
- What are the hurricane and all-other-perils deductibles?
- Are there water, mold, animal, pool, or other limits?
- Which forms or records should you send before the quote?
PAPERWORK
Records to Gather
For an American Traditions review, bring the roof permit and the latest inspection. Keep bills for work on the roof, pipes, wires, or heating system. List old claims and how each repair was made. Send clear photos only when asked, and keep a copy of each file.
CITIZENS RESOURCE CENTER
Former Citizens Takeout Participant
An October 2023 OIR consent order (via Jerger MGA) approved American Traditions to assume up to 12,000 Citizens policies. American Traditions' own current published materials do not reference this activity, so this directory cannot confirm whether the takeout program is still active. Confirm current status directly with the carrier or Citizens before relying on it.
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Coverage Explained
Understand your policy, coverages, and deductibles.
Eligibility Guides
Roof age, plumbing, electrical and prior claims: how each factor affects which carriers will consider your home.
Need a specific insurance company?Get a quote from your Florida-licensed agent
Your request will show that it came from the American Traditions page. Our team will follow up to review your request and explain the next step.
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FloridaHomeInsurances.com is an educational resource operated by a Florida-licensed insurance agency (see About). It is not an insurance carrier or underwriting decision-maker. Information on this site summarizes publicly available materials and general market considerations. General ranges are educational only; they are not a carrier’s complete underwriting guidelines, a quote, an offer, or a guarantee that a property or applicant will qualify. Availability, eligibility, pricing, coverage, forms, inspections, and documentation requirements can change and may vary by carrier, policy form, county, property, applicant, and effective date. Before relying on any figure or description, confirm the current requirement directly with the carrier or a Florida-licensed agent who is appointed with that carrier. The issued policy and the carrier’s current underwriting decision control.