American Modern Insurance Group

Specialty insurance for the lives people live -- protecting unique homes, recreational vehicles, and the things that matter most.

Specialty Personal Lines Insurance

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Overview

American Modern Insurance Group is a specialty personal lines insurer headquartered in Amelia, Ohio and a wholly owned subsidiary of Munich Re, the global reinsurance group. The company traces its corporate roots to 1938 (The Midland Company) and formalized its insurance operations in 1965 with the founding of American Modern Home Insurance Company. Munich Re acquired American Modern in 2008 as part of the broader acquisition of The Midland Company (NYSE: MLAN), integrating it into its Global Specialty Insurance division.

American Modern specializes in non-standard and specialty personal lines -- market segments where traditional carriers often decline to compete, including manufactured homes, seasonal and vacation properties, vacant dwellings, watercraft, collector vehicles, and powersports. The company writes admitted products across all 50 states through nine P&C subsidiary companies and serves approximately 1.7 million policyholders. Its subsidiaries have earned AM Best A+ (Superior) financial strength ratings and the company has been recognized by the Ward Financial Group as a Top 50 P&C performer for 13 consecutive years.

In March 2026, Kathleen O. Zortman assumed the role of CEO and President (effective March 2, 2026), succeeding Andreas Kleiner who led the company for a decade. Zortman brings over 30 years of P&C insurance leadership -- most recently as president and CEO of AIG's private client group until October 2025 -- with a focus on organizational transformation, portfolio optimization, and underwriting excellence. Under her leadership, American Modern is continuing investments in digital platforms and expanding into new specialty segments such as farm and ranch insurance.

Products & Services

Specialty Residential Property

Coverage for non-standard and hard-to-place residential risks.

Key Features

Manufactured and mobile home insurance (admitted, all 50 states)
Seasonal and vacation home coverage
Vacant property insurance
Rental and landlord property programs
Non-standard site-built dwellings

Target Users: Homeowners of non-standard dwellings, landlords, independent agents

Recreational and Collector Vehicles

Specialty coverage for watercraft, powersports, and collector vehicles.

Key Features

Watercraft: boats, yachts, personal watercraft
Collector and classic cars
Motorcycles and powersports (ATVs, UTVs, snowmobiles, golf carts)
Agreed value options for collector items

Target Users: Boat owners, collectors, powersports enthusiasts, specialty agents

Farm and Ranch Insurance

Program launched January 2026 in partnership with Bridge Specialty Group; distributed through wholesale agents.

Key Features

Broad coverage for farm and ranch operators from hobby farms to commercial enterprises
Currently available in 9 states: AZ, MN, NM, NC, OH, PA, SC, TX, WI
Expansion to additional states planned by 2027
Farm-focused underwriters and dedicated claims team
Streamlined quoting portal for wholesale agents

Target Users: Farm and ranch property owners, wholesale brokers

Pet Insurance

Health insurance for companion animals.

Target Users: Pet owners, retail and specialty agents

Commercial and Program Business

Key Features

Manufactured housing community insurance
Dealer programs for specialty vehicle retailers
Landlord programs for rental property portfolios

At a Glance

Founded: 1965
Headquarters: Amelia, Ohio, USA
Employees: 1000+

Category & Focus

Category: Specialty Personal Lines Insurance
Subcategories: Manufactured Home Insurance Recreational Vehicle Insurance Watercraft Insurance Collector Vehicle Insurance Pet Insurance Farm and Ranch Insurance
Insurance Verticals: P&C
Target Customers: Consumers, Agents, Brokers