American Traditions Insurance Co./Modern USA Insurance Co.

Modern USA/American Traditions

Florida-operated American Traditions Insurance Co. (ATIC) and Modern USA Insurance Co. (MUSA) are built on the foundation of the Jerger family, which has been in the insurance business since 1946. Both companies use West Point Underwriters, LLC to market, underwrite, and process all their property insurance policies; and both companies are managed by insurance professionals with many years of experience in Florida’s tumultuous homeowners’ market.

Programs Available

  • Homeowners
  • Mobile Homeowners

FAIA members earn 13 percent commission for homeowners, and 11 percent for mobile homeowners (payable only on non-hurricane portion of the premium).

Market Availability
There is no availability for new appointments in Bay, Broward, Calhoun, Escambia, Franklin, Gulf, Highlands, Holmes, Indian River, Jackson, Jefferson, Liberty, Madison, Martin, Miami-Dade, Palm Beach, Okaloosa, Santa Rosa, St. Lucie, Taylor, Volusia, Wakulla, Walton and Washington Counties at this time. 

View Territory Map

Please note that mobile homeowners capacity is very limited in most areas, however HO-3 capacity is available throughout the state with new, competitive rates!

Appointment Process
Please allow 14 days for processing.

  • A signed Agency Sub-Producer Agreement is required to process an application for appointment. (This agreement pertains to sub-appointments for all FMS property market providers; if you’ve already completed an agreement, proceed to the next step.)
  • Agent fills out the application form and forwards to FMS.
  • Once checked for completion, FMS forwards application to ATIC/MUSA, which enters the subagent information into its website and sends a username and password to the agent.
  • Agent quotes, binds and issues policies via the ATIC/MUSA website.

Application for Appointment (pdf)
ATIC/MUSA Homeowners Quick Reference Guide (pdf) (ineligible risks, general information)
ATIC/MUSA Mobile Homeowners Quick Reference Guide (pdf) (ineligible risks, general information)
Tips for Using the ATIC/MUSA Online System (pdf)
Older Home Submission Request
HO-6 Condo Unit Owner Coastal Program