American Traditions Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Public, carrier-specific underwriting or appetite guides for American Traditions Insurance Company (ATIC) are not posted openly on their website or other official ATIC/Jerger portals; detailed manuals appear to be available only inside the secure agent portal and via appointed MGAs. However, several operational points can be inferred from program material and rating documentation that specifically names American Traditions. 1) Overall appetite / target business - Specializes in Florida residential property, operating as a voluntary market for home-related risks, including standard homeowners and related dwelling forms. - Program documentation for Florida homeowners shows ATIC on HO-3 (owner-occupied) and similar forms, indicating a focus on primary residences rather than purely seasonal or investment properties. - A binding/program rules document referencing "American Traditions Insurance Co. – Homeowners Program" describes standard Florida HO-3 business with building-code, wind and mitigation rating factors, consistent with a mainstream admitted homeowner appetite in the state. 2) Preferred / target risk profile (from program rules and rating factors) - Owner-occupied primary residences: Underwriting rule states the insured must occupy the unit as their primary residence at least 4 months per year. - Dwellings generally within a maximum age limit for HO-3 of 75 years, with strong preference for newer or recently renovated homes; age-of-dwelling factors reward newer construction and homes with documented total renovations. - Homes with completed wind mitigation features and compliant with more recent building codes receive premium credits, implying an underwriting preference for modern construction, code-compliant roofs, and mitigation features (e.g., clips/straps, impact protection). - Risks with full, properly documented total renovation may be treated as newer construction years for rating and acceptability, provided complete documentation and inspection verify new electrical, plumbing (above slab), HVAC, roof, and windows, along with a new certificate of occupancy. 3) Restricted / declined classes and structural limitations (inferred from program rules) - HO-3 form limited to dwellings up to 75 years old; older homes may be ineligible for HO-3 and might need alternate forms or be declined altogether. - Total renovation risks require pre-binding review: complete documentation must be submitted to underwriting prior to binding for any attempt to re-age a home based on renovation. - Various coverage options and exclusions are available (windstorm/hail exclusion, water damage exclusion, pool cage/screen porch limitations, fungi/mold sublimits, etc.); use of certain exclusions or limitations is likely required or strongly encouraged on marginal risks (older roofs, coastal exposures, prior losses). - Program references explicitly exclude some exposures from coverage extensions (e.g., certain business pursuits, other insured locations) and may restrict incidental occupancies, animal liability, or golf cart exposures unless specifically endorsed, signaling caution or limitations around non-owner-occupied, business, or higher-liability uses. 4) Geographic focus and territorial considerations - ATIC is a Florida domestic property carrier, specializing in Florida residential property and operating within the state. - Rating manual content references Florida hurricane and non-hurricane base rates, Florida territory definitions by ZIP, and Florida Hurricane Catastrophe Fund (FHCF) assessments, confirming the book is built around Florida coastal and inland homeowners exposures. - Binding/program rules include specific hurricane vs. non-hurricane (HUR vs. NHR) territory factors and a separate catastrophe charge, implying that coastal/high-wind territories are written but tightly managed through rating, deductibles, mitigation credits, and possible wind exclusions. 5) Submission requirements and workflow (as implied for agents/MGAs) - Detailed underwriting rules, eligibility criteria, and documents are accessible only through the secure Agent Portal managed by T. J. Jerger MGA (ATIC’s MGA). Agents must log into the portal for current guidelines, forms, and binding instructions. - For homes considered “totally renovated,” complete documentation (including inspection, new CO, and evidence of all new major systems) must be submitted to underwriting prior to binding for approval of revised construction year. - Florida homeowners program rules include standard supporting information expectations: year-built, construction type, roof age and type, occupancy details (primary vs. seasonal), mitigation documentation (roof deck, straps, opening protection), and any prior loss information. - FHCF and Citizens emergency assessments, as well as MGA fees and payment-plan rules, are part of the program structure; agents should follow the program’s specified quote sheets (HO-3, HO-…) and rating process when submitting and binding. 6) Broker / producer operational notes - ATIC business is produced through appointed independent agents and MGAs; T. J. Jerger MGA, LLC acts as managing general agent for American Traditions, and appointed producers are expected to use the Jerger agent portal for rate/quote/bind and to access the most current underwriting rules. - Public-facing carriers lists from Florida agencies identify ATIC as a standard homeowners partner for Florida, indicating that business must flow through properly appointed agencies rather than direct-to-consumer submissions. - Claims are handled directly through ATIC’s claims line; producers are generally expected to direct insureds to report homeowners claims directly to the company, consistent with Florida homeowners market practice. Because ATIC’s detailed, current underwriting manual, risk appetite bulletins, and agent guides are not publicly posted, treat the above as structural guidance only. For any specific risk, rely on the live ATIC/Jerger agent portal or current program bulletins for binding authority, restricted ZIPs, roof-age limitations, prior-loss criteria, and any moratoriums or temporary underwriting changes.