About American Traditions

Protecting Homes. Supporting Progress. Building Confidence.

Your home is the foundation for what comes next. It may be your first major investment, the place where your family grows, a new beginning, a retirement destination, or a home filled with years of memories.

American Traditions helps protect that foundation through specialized property expertise, disciplined underwriting, responsive support, and technology that makes insurance easier to understand and manage. We are here to give homeowners, agents, and communities the confidence to keep moving forward.

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Our Philosophy

Property Insurance Built Around Real Homes and Real Lives.

No two homes or homeowners are the same. That is why American Traditions goes beyond one-size-fits-all insurance. We bring specialized property expertise, disciplined underwriting, clear communication, and responsive support to every decision.

Homeowners gain a clearer path to protecting what matters. Agents gain a dependable partner that respects their relationships and helps them serve clients with confidence. Because confidence should not come after the policy is written. It should be built into every step forward.

A Different Kind of Property Insurance Company

Property insurance is a complex business. But the experience of obtaining and managing coverage should not feel unnecessarily complicated.

American Traditions brings together the capabilities people expect from a modern insurance company with the judgment, specialization, and personal support that remain essential in property insurance.

Our difference is not defined by one feature. It is created by the way our expertise, underwriting discipline, people, technology, and partnerships work together.

Specialized Property Expertise

For more than two decades, American Traditions has built deep expertise in Florida property insurance, with particular strength in manufactured and mobile home coverage. Our team has helped shape industry legislation while developing specialized knowledge that helps homeowners find the right protection and gives independent agents confidence in placing even the most unique property risks. Expertise built around the way people live.

Disciplined, Consistent Underwriting

For more than 20 years, American Traditions has successfully navigated Florida’s most challenging insurance markets — from major hurricanes like Irma, Michael, Ian, and Milton to industry-wide reforms including the sinkhole crisis, Assignment of Benefits, and legislative changes. Our disciplined underwriting and long-term approach create greater stability, predictability, and confidence for homeowners and independent agents alike. Consistency creates confidence.

A Simpler Insurance Experience

Property insurance may involve complex decisions, but the experience should still feel clear. American Traditions removes unnecessary friction from quoting, purchasing, servicing, paying for, and managing coverage, helping homeowners understand their options while giving agents more efficient workflows and a smoother path from quote to policy. Insurance made easier to understand and manage.

Technology With a Purpose

Technology should make insurance work better for people. American Traditions invests in digital tools that simplify processes, improve transparency, reduce unnecessary steps, and accelerate decisions, while preserving access to knowledgeable professionals whenever homeowners or agents need judgment, context, guidance, or personal support. Smarter tools. Simpler interactions. Human support when it matters.

Responsive, Knowledgeable Support

Not every insurance question can be answered by a form or automated system. American Traditions keeps knowledgeable people central to the experience, giving homeowners and agents access to professionals who understand the property, the policy, and the situation, and who are prepared to provide clear, responsive guidance. Knowledgeable people, ready to help.

Partnership for the Long Term

A policy may begin with a transaction, but trust is earned over time. American Traditions supports homeowners beyond the initial quote and respects the relationships agents have built with their clients, investing in dependable service, clear communication, effective technology, and partnerships designed to last. Built for the policy and the relationship beyond it.

Who we are

Experienced People. Thoughtful Decisions. Personal Support.

Insurance is ultimately a promise made by people. Behind every quote, policy, underwriting decision, service interaction, and technology improvement is a team working to make property insurance more dependable and easier to navigate.

At American Traditions, we bring together professionals with experience in property insurance, underwriting, agency relationships, customer service, operations, technology, and claims. Our expertise allows us to understand different properties. Our judgment helps us make thoughtful decisions. Our responsiveness helps you continue moving forward.

T. John Jerger, Jr.

President and Chief Executive Officer

Thomas J. Jerger

Chairman of the Board

Brian J. Adamski

Chief Financial Officer

Ronald S. Terzer

Vice President of Compliance

Justin Locke

Chief Risk Officer and Controller

Ted Jerger

Director of Mediation, Subrogation, and Arbitration

Jennifer Sousa, AINS, AIC, CPCU

Vice President of Marketing & Sales

Daniel J. Ewin

General Counsel

More Than a Policy. A Better Insurance Experience.

Choosing a property insurance company is about more than comparing coverage and price. It’s about choosing a partner you’ll rely on throughout your homeownership journey.

At American Traditions, we believe the best insurance experience combines specialized expertise, thoughtful decision-making, responsive people, and technology that makes every interaction simpler. From your first quote to ongoing policy support, every touchpoint is designed to provide greater clarity, confidence, and peace of mind.

A Typical Insurance
Experience

The American Traditions
Experience

Provides insurance for a property

Helps protect the life built around your home

Standard products

Specialized expertise for different property types

Reactive underwriting

Thoughtful, disciplined decision-making

Technology for efficiency

Technology that simplifies the experience

Self-service first

Digital convenience backed by knowledgeable people

A carrier relationship

A long-term partner for homeowners and agents

Answers questions

Provides clarity and guidance

Focuses on the policy

Focuses on the entire customer experience

Individual transactions

Relationships built on trust and consistency

Protection for today

Confidence for what comes next

Property insurance should provide more than financial protection. It should provide the confidence that comes from working with people who understand your property, communicate clearly, make thoughtful decisions, and are committed to supporting you for the long term. That’s the American Traditions difference.

Proven Experience. Trusted Performance.

For more than two decades, American Traditions has helped Florida homeowners navigate one of the nation’s most dynamic property insurance markets. Our experience, financial strength, specialized expertise, and long-standing agency relationships provide the foundation behind our promise to help homeowners and agents move forward with confidence.

20+ years

Serving Florida Homeowners Since 2006

140,000+

Policyholders Protected

$250M+

Annual Written Premiums

1,500+

Independent Insurance Producers

A (Exceptional)

Financial Strength Rating

48 Hour

Underwriting response time

Protect Your Home. Prepare for What’s Next.

Whether you are buying a home, settling into a new community, protecting a condominium, or looking for coverage designed around a manufactured or mobile home, American Traditions is here to help make the next step clearer. Explore your options and find protection suited to your property and your life.