AMERICAN MODERN HOME INSURANCE COMPANY — homeowners Complaints in Texas

Detailed analysis of 117 homeowners insurance complaints filed against AMERICAN MODERN HOME INSURANCE COMPANY by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

homeowners Complaints in Texas: 117
Total homeowners Complaints (All States): 122
Texas Share: 95.9%
NAIC Complaint Ratio: 0.06
AI Risk Score: 38/100

Analysis: AMERICAN MODERN HOME INSURANCE COMPANY homeowners in Texas

AMERICAN MODERN HOME INSURANCE COMPANY has accumulated 117 homeowners insurance complaints from consumers in Texas. Across all states, AMERICAN MODERN HOME INSURANCE COMPANY has 122 total homeowners complaints, making Texas responsible for 95.9% of the volume.

The most frequent complaint sub-type is Claim denial with 47 complaints. Other common issues include Delayed payment (42), Premium or billing dispute (7), Policy cancellation (7).

The most active year was 2026 with 6 complaints filed.

Consumers in Texas who have homeowners disputes with AMERICAN MODERN HOME INSURANCE COMPANY can file a complaint with the Texas Department of Insurance.

homeowners Complaint Issues in Texas

Issue Type	Complaints	%
Claim denial	47	40.2%
Delayed payment	42	35.9%
Premium or billing dispute	7	6.0%
Policy cancellation	7	6.0%
Cust Srvc Policy Holder Srvcs \| Contract Language/Legal Issue; Information Furnished; Question of Fact	1	0.9%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Information Furnished; Contract Language/Legal Issue	1	0.9%
Cust Service Claim Handling \| Contract Language/Legal Issue; Information Furnished; Additional Monies Received	1	0.9%
Cust Service Claim Handling \| Corrective Action Taken; Information Furnished; Claim Settled	1	0.9%
Cust Service Claim Handling \| Additional Payment Expected; Claim Settled; Question of Fact	1	0.9%
Unsatisfactory Settle/Offer \| Additional Payment Expected; Information Furnished	1	0.9%
Notice Requirements \| Information Furnished	1	0.9%
Agent Handling \| Company Position Upheld; Information Furnished	1	0.9%
Notice Requirements; Other \| Contract Language/Legal Issue	1	0.9%
Other \| Information Furnished; No Jurisdiction; Contract Language/Legal Issue	1	0.9%
Agent Handling \| Information Furnished	1	0.9%
Other \| Information Furnished; Contract Language/Legal Issue	1	0.9%
Misleading sales	1	0.9%
Cust Service Claim Handling \| Corrective Action Taken; Information Furnished	1	0.9%

Complaints by Year

2026: 6 complaints
2025: 8 complaints
2024: 4 complaints
2023: 2 complaints
2022: 2 complaints
2021: 3 complaints
2020: 6 complaints
2019: 10 complaints
2018: 10 complaints
2017: 12 complaints
2016: 11 complaints
2015: 13 complaints
2014: 18 complaints
2013: 8 complaints
2012: 4 complaints

Recent homeowners Complaints Against AMERICAN MODERN HOME INSURANCE COMPANY in Texas

homeowners Complaint #TX-453035-de9d07bf (2026-04-09) — Claim denial
homeowners Complaint #TX-452919-4180a3fb (2026-04-08) — Delayed payment
homeowners Complaint #TX-452379-e3a6b093 (2026-04-02) — Claim denial
homeowners Complaint #TX-450699-da206267 (2026-03-19) — Cust Srvc Policy Holder Srvcs | Contract Language/Legal Issue; Information Furnished; Question of Fact
homeowners Complaint #TX-450404-6be4a5ba (2026-03-16) — Claim denial
homeowners Complaint #TX-450393-e3a6b093 (2026-03-16) — Claim denial
homeowners Complaint #TX-442045-91370ef3 (2025-12-10) — Delayed payment
homeowners Complaint #TX-438458-91370ef3 (2025-10-30) — Delayed payment
homeowners Complaint #TX-433085-6be4a5ba (2025-08-27) — Claim denial
homeowners Complaint #TX-432641-29d0099d (2025-08-22) — Premium or billing dispute

Frequently Asked Questions

How many homeowners complaints does AMERICAN MODERN HOME INSURANCE COMPANY have in Texas?

AMERICAN MODERN HOME INSURANCE COMPANY has 117 homeowners insurance complaints on file from consumers in Texas, according to NAIC and state DOI data.

What are the most common homeowners complaint issues with AMERICAN MODERN HOME INSURANCE COMPANY in Texas?

The most common issues are: Claim denial (47), Delayed payment (42), Premium or billing dispute (7), Policy cancellation (7), Cust Srvc Policy Holder Srvcs | Contract Language/Legal Issue; Information Furnished; Question of Fact (1).

How does AMERICAN MODERN HOME INSURANCE COMPANY's homeowners record in Texas compare to other states?

AMERICAN MODERN HOME INSURANCE COMPANY has 117 homeowners complaints in Texas out of 122 total homeowners complaints nationwide. That is 95.9% of their homeowners volume.

Where can I file a homeowners complaint against AMERICAN MODERN HOME INSURANCE COMPANY in Texas?

You can file a complaint with the Texas Department of Insurance. The NAIC Consumer Information Source at https://content.naic.org/cis_consumer.htm also accepts complaints.