So when AllState tells you that they can no longer insure your single family property since your tenant built a shed without siding, they often refer their clients to American Modern Select Insurance — though I can’t imagine why.

Modern Select, in an effort to impress and woo their new customers, will:

1. Not send you a bill every month. At first I thought it was me, like was I just not paying enough attention, but they simply don’t with the goal and intention being you missing or being late on a payment.
2. When they do send you a monthly bill, the reverse side may or may not have a future estimate of a bill — for six months of premiums…BUT —
3. The monthly amount will change despite the fixed rate term for six-months. You won’t know what that changed amount is until —
4. They send your payment back saying it’s $0.20 plus or minus the actual owed amount and now you owe a late fee.

Buyer’s remorse much?

Forced purchase remorse?

Calm Assurance

Lemonade offers affordable, fast, and easy insurance to homeowners and renters for property theft, damage, and more. 25% of their claims, or a quarter of claims are paid out in under 3 seconds!

THE BOTTOM LINE

Imagine being able to buy exactly what you want, when you want — on your terms. Homemaide = Google Search timing meets FB and Amazon.

Other examples of American Modern Select approaches:

§ American Modern Insurance Review & Complaints | Auto …

www.expertinsurancereviews.com › insurance-company-reviews › am…

Jun 17, 2017 — Complaints, rating and review of American Modern Insurance. In-depth analysis of American Modern Insurance pricing, financial strength and …

American Modern Summary · ‎Insurance Products · ‎Claims

Insurance Rip Off — AMIG American Modern Select Insurance | The H …

www.jalopyjournal.com › … › The Hokey Ass Message Board

Nov 28, 2012 — I basically got ripped off by American Modern Insurance or AMIG. … I have had Grundy for a couple of years with no complaints and I just talked …

Taking fraud by storm — NICB

www.nicb.org › sites › files › NICB2017AR-TakingFraudByStorm — F…

… and other agencies to assist them in their insurance fraud investigations. … AMERICAN MODERN SELECT INSURANCE COMPANY. AMERICAN MODERN …

American Modern Insurance Group — 46 Reviews — Insurance …

www.yelp.com › Financial Services › Insurance

Rating: 1.5 — ‎46 reviews

46 reviews of American Modern Insurance Group “We had our apartment broken … American Modern Select Insurance Company out of Ohio has been my rental …

American Modern Review — Free Insurance Advice

insurance.freeadvice.com › Insurance Advice

“American Modern Select Insurance Company the WORST COMPANY. … They lie and run their scam insurance company unethically STAY AWAY FROM THIS …

Arson prosecutions are difficult, so insurers go for owners …

www.insurancefraud.org › IFNS-detail

Dec 1, 2016 — But arrests for arson and related insurance fraud are rare. … Two months later, American Modern Select Insurance Co. sued, saying that the fire …

American Modern Select Insurance Company | Insurance …

American Modern Select Insurance Company Summary. American Modern Select Insurance Company is a Stock company that was incorporated in 1980–08–15.

2006 Annual Report — Maryland Insurance

consumer complaints, market conduct and financial examinations, producer licensing actions, … American Modern Select Insurance Company (OH). 11/8/2005.

2016 Annual Report — WV Insurance Commissioner

Aug 22, 2017 — They received a total of 732 referrals of insurance fraud in 2016 from the industry and public. … American Modern Select Insurance Company.