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Product improvements give you refreshed solutions

Supporting the new quoting tool, our product lines have been refreshed, too. The core coverages will still be familiar to you, but new options and lots of discounts will make the products even more attractive.

To help you quickly understand the product changes that go along with the new system, look at the comparison document for each product. All of the new coverages are highlighted in green. We’ve also created new product summaries to help you explain the coverage to a customer.

Consult the new product manuals for full details on these products. The availability of a particular product to your agency may vary by state and also by the authorization through which you write business with American Modern.

Residential products

What’s New in Residential?

Dwelling Basic – Water damage (up to $10,000) is a new option in this named peril/ACV program. It offers great flexibility in terms of occupancy, age and condition. Up to 30 properties (Dwelling Basic or Dwelling Special) can be written on one policy, a great benefit for potential real estate investors.

Open the old program/new program comparison

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Download the new product summary

Dwelling Special – A variation of a DP-3 form, this program protects vacant property, rental property, and seasonal homes with all risk/replacement cost coverage. Switching between rental and vacant occupancy now takes just a few seconds. There are new options for water damage (up to 100% Coverage A) and theft.

Open the old program/new program comparison

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Download the new product summary

Homeowners – This package of coverage provides packaged protection (basic form or broad form) plus upgrades for water damage, theft, and service line failure for customers not needing or qualifying for HO-3 coverage.

Open the old program/new program comparison

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Download the new product summary

Manufactured Home – The long-time American Modern program has been redesigned to allow more customized coverage. Up to 25 units now can be written on one policy.

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Download the new product summary

Condominium – Exclusively for rental units and seasonally used homes, this HO-6 product accepts homes titled in the name of an individual, a single family or an LLC. Premises liability also covers property managers.

Download the new product summary

Recreational products

What’s New in Recreational?

Collector Vehicle – The quoting process has been simplified to make it easier for non-specialists to quote. The classification and modification system is much simpler to use.

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Download the new product summary

Motorsports – The motorcycle program has expanded to include customs and antiques, plus snowmobiles and slower electric vehicles. The pricing model has been revised to be more competitive.

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Download the new product summary

Boat – This product accepts most boat types, is ideal for bass and walleye boats, and also covers personal watercraft and antique vessels. Easier quoting eliminates most calls for underwriting help.

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Download the new product summary

Yacht – This highly customizable product accepts vessels 27 feet and longer and up to $1M in value. Title may be held by an individual, trust, LLC or corporation. Up to four shared owners are allowed.

Download the new product summary

Quick Links

Want details on the new products?

Take a training class
We have many online classes. Pick the ones appropriate for your business.

Sign up for a webinar
If live instruction works better for you, we give Internet-based presentations several times a month.

Look at the job aids
Job aids focus on specific topics, such as a product line.

Read the new manuals
Download the new product manuals from the AMsuite Forms library.

Call us at 800-543-2644. We’re here to help.

Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change.

American Modern Insurance Group, American Modern, AMsuite, modernLINK, and Homeowners FLEX are trademarks or registered trademarks of American Modern Insurance Group, Inc. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including but not limited to American Modern Property and Casualty Insurance Company (CA Lic. No. 6129-1.) and American Modern Home Insurance Company (d/b/a in CA as American Modern Insurance Company, Lic. No. 2222-8)


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