American Traditions Insurance Company

What American Traditions Insurance Company does

American Traditions Insurance Company is a Florida-domiciled residential property insurer that issues homeowners (HO3), dwelling fire (DP3, DP1), condo (HO6), renters, and manufactured home (MHO) policies exclusively to Florida property owners, headquartered in Pinellas Park, FL, with an NAIC code of 12359 and Florida Company Code 03670. The carrier has protected more than 100,000 Florida homeowners since receiving its Certificate of Authority in January 2006, operating within a multi-decade Jerger-family insurance legacy dating to 1946, and writing business exclusively through its affiliated managing general agency, TJ Jerger MGA, LLC. Distribution is hybrid: a vetted network of independent insurance agents accessing a web-based rating and policy issuance portal alongside a consumer-facing instant-quote and policyholder portal; both channels are supported by an artificial-intelligence-assisted electronic-application system that validates data entry completeness and flags errors before submission.

The company's technology stack centers on the InsurSys-served online rater, quoting, and policy issuance portal, integrated with Five9 (live chat and callbacks for Billing, Underwriting, and Storm King Claims), PandaDoc (endorsement e-signature), and analytics platforms (Google Analytics, Google Tag Manager, WhatConverts call tracking). Self-guided digital inspections, delivered through ChrP and ASAP partners and launched in 2022, replace physical exterior inspections for selected new (15-day) and renewal (30-day) policies via mobile, tablet, or PC. The technology is best characterized as a connected insurance workflow platform layered onto a conservative Florida-only underwriting book, rather than a proprietary AI-native architecture.

Revenue is generated through recurring property insurance premiums collected on subscription-style 1, 2, 3, or 4 installment billing schedules with autopay and paperless e-delivery discounts available. Underwriting is supported by a 2025 multi-jurisdictional reinsurance program spanning 14 A-rated partners (Pillar, Everest Re, Inigo, Convex, Hiscox, MAP, Arch+Hannover, Canopius, Faraday, QBE, Lancashire, Ascot, Mereo, Convex UK) plus the Florida Hurricane Catastrophe Fund, with retention under 10% of surplus per storm. Customer segments span site-built homeowners (primary), manufactured homeowners (primary), condo owners, renters, and dwelling fire (non-owner-occupied), with a horizontal segmentation approach across these Florida property types. American Traditions holds a Demotech A Exceptional Financial Stability Rating and a KBRA BBB Insurance Financial Strength Rating with Stable Outlook.

Name

American Traditions Insurance Company

Legal name

American Traditions Insurance Company

Website

https://jergermga.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

American Traditions Insurance Company is a Florida-only residential property insurer, founded in 2006 and operating exclusively through its affiliated TJ Jerger MGA, that protects more than 100,000 Florida homeowners with HO3, manufactured home, condo, renters, and dwelling fire policies distributed through independent agents and an online portal.

Ownership category

akta.pro rank

Product category

Residential Property Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Landlord / Dwelling Fire (DP) Insurance (FSAJACAD), Condominium (HO-6) Insurance (FSAJACAC), Renters Insurance (FSAJACAB)

Keywords

• Residential property insurance
• Homeowners insurance
• Manufactured home insurance
• Florida property coverage
• Dwelling fire insurance

Headquarters

HQ city

Pinellas Park

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Supply Chain, Technology or R&D, Infrastructure

Revenue model

1. Property Insurance Premiums: American Traditions Insurance Company generates revenue through property insurance premiums collected from policyholders. The company offers homeowners, dwelling fire, condo, renters, and manufactured home insurance policies. Premiums are collected through various payment plans including 1, 2, 3, or 4 installments, with options for autopay enrollment.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

American Traditions Insurance Company sells residential property insurance policies exclusively to Florida property owners. Its core offerings include Homeowners (HO3), Dwelling Fire (DP3 and DP1), Condo (HO6), Renters, and Manufactured Homeowners (MHO) insurance, supplemented by optional endorsements such as flood, equipment breakdown, identity theft, and roof surface payment schedule coverage. Policies are underwritten and serviced through its exclusive managing general agency, Jerger MGA, and distributed via a network of independent agents plus a direct consumer online portal.

Product overview

American Traditions Insurance Company, operated exclusively by Jerger MGA, offers a unified property and casualty insurance platform serving Florida's residential property market. The core product portfolio centers on specialized property coverage including Homeowners Insurance (HO3), Dwelling Fire Insurance (DP3), Condo Insurance (HO6), Renters Insurance, and Manufactured Homeowners Insurance (MHO). The company expanded from manufactured home insurance (established January 2006) to become a comprehensive residential property insurer. Optional coverage modules including Flex Flood Insurance, Equipment Breakdown Coverage, and Identity Theft Protection allow agents to build customized solutions. The product ecosystem includes self-guided digital inspections and wind mitigation discount programs, all delivered through an integrated platform combining online quoting, rating, and policy issuance with an AI-assisted application validation system.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance (HO3) Comprehensive property and liability coverage for owner-occupied single-family homes used as primary residences in Florida. Combines underwriting experience with data-driven risk modeling to deliver property-specific policies.
• Dwelling Fire Insurance (DP3) Flexible property protection for non-owner-occupied dwellings in Florida, including seasonal homes, secondary residences, and rental properties. Offered in an a la carte format for site-built homes with optional liability protection.
• Condo Insurance (HO6) Insurance for Florida condominium and cooperative unit owners covering interior units, personal belongings, and personal liability. Designed to fill the gap between the association's master policy and the unit owner's individual coverage needs.
• Renters Insurance Coverage for Florida residential tenants' personal property against covered losses, along with personal liability and temporary living expenses.
• Manufactured Homeowners Insurance (MHO) Specialized coverage for factory-built homes in Florida, including single-wide, double-wide, and triple-wide manufactured homes. Covers the structure, scheduled attachments such as carports, sheds, and screen rooms, personal property, loss of use, and personal liability.
• Dwelling Fire 1 (DP1) Basic named-perils coverage for manufactured homes covering listed hazards such as fire and smoke damage, including full-time tenant occupancy.

Quantifiable outcome

• Over 100,000 homeowners protected in Florida
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability2 records

Feature1 record

Partnerships

One partnership is on record.

• TJ Jerger MGA, LLCcoreStrategic or Co-development PartnerExclusive managing general agency for American Traditions Insurance Company. Jerger MGA operates through a shared ownership structure and unified commitment to Florida's residential property insurance market. Launched in 2005 to deliver stable, specialized property coverage.

Scale indicators2 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Security First Insurance Company: Florida homeowners specialist selling through independent agents, similar in size and exclusively Florida focus to American Traditions.
• Heritage Property & Casualty Insurance Company: Florida-focused residential property insurer offering homeowners, dwelling fire, and condo coverage through independent agents. Directly comparable in geography, distribution, and product mix.
• Tower Hill Insurance Group: Florida-headquartered personal lines property insurer writing homeowners and related residential coverage through independent agents — overlapping product set and channel.
• Florida Peninsula Insurance Company: Florida-only homeowners and dwelling fire insurer distributing through independent agents — directly comparable book of business and risk profile.
• Universal Insurance Holdings (UPC Insurance): Public holding company for Universal Property & Casualty, focused on Florida homeowners through independent agents. Closest publicly traded analogue for scale and product.
• Citizens Property Insurance Corporation: Florida's state-backed insurer of last resort for residential property. Competes for the same policyholders and risks, especially as private carriers retrench.
• HCI Group (Homeowners Choice): Florida-focused residential property insurer offering homeowners, condo, and rental dwelling coverage through a subsidiary carrier — directly comparable niche and distribution.
• People's Trust Insurance Company: Florida-only homeowners insurer using an exclusive direct-to-consumer / affinity distribution model; overlaps on product, geography, and target customer.
• Edison Insurance Company: Florida homeowners and manufactured home specialist operating through independent agents — directly comparable given the manufactured home overlap with American Traditions.

Broad incumbents

• State Farm: Largest U.S. personal lines carrier writing Florida homeowners and auto through captive agents; broad incumbent with overlapping homeowners product but vastly larger scale and multi-state diversification.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ATICFL
• YouTubeyoutube.com/channel/UCm2286QGLAtxiBFir4WQyYg
• Facebookfacebook.com/jergermga
• LinkedInlinkedin.com/company/american-traditions-insurance-company

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Traditions Insurance Company