- Non-residential Insurance
- Get a Quote
Insurance for non-residential structures
In a typical homeowners [?]
Homeowners policy
A homeowners policy is a wide-ranging package of protections that goes beyond physical damage coverage to your house.Also included are property coverage for other structures on the grounds, personal property coverage, personal liability coverage, and any endorsements.The policy will define the causes of loss, which may be named perils or a comprehensive list. This class of coverage is sometimes referred to by the abbreviation "HO-3." Note that earthquake and flood are not covered.The policy will specify any limits, exclusions and conditions. or DP-1 dwelling [?]
DP-1
DP stands for Dwelling Property, a class of coverage for housing insurance created by the Insurance Standards Organization. The number is a designation for one of several standard DP packages. DP-1 offers named peril coverage for owner, rental, seasonal, and vacant occupancy classes. policy, outbuildings are included in the policy written for the home itself. Your agent may refer to this part of the policy as Coverage B.
Most carriers will not offer you coverage for a stand-alone building, or if it located too far away from the primary residence.
American Modern insures stand-alone structures. These are non-residential structures that include a roof, but no permanent living quarters, such as a:
- Pole barn
- Boat house or covered boat slip
- Casitas (RV awning)
- Storage building
- Camping structure
The minimum accepted value is $5,000. We do not require that you have a homeowners or dwelling policy with us.
The program is based on a DP-1 form (named peril protection, actual cash value settlement).
Call 866-884-6167 Monday through Friday, 8 a.m. to 8 p.m.




Talk to an agent
If you want a quote now, or have questions about our non-residential property program, call us at 866-884-6167.
Our hours are 8 a.m. to 8 p.m. Monday through Friday.
Flexible payment options
Option 1 -- start EZPay to automate your payments
Many customers want the convenience of monthly automated bill payments. With EZPay, a withdrawal is made from a bank account you specify, or charged to your credit card. We let you pick the date of the month for the payment (1 to 28). Once EZPay begins, we will stop mailing invoices.
Option 2 -- pay after we send you a bill
You either can pay in full at the time you start or renew the policy, or in many states we offer installments on a 4-Pay schedule – a quarter up-front with an installment due every 60 days. A service fee applies to each installment. Pay by personal check, credit card, or bank account transfer.
Some states place limits on the payment plan schedules we can offer or the service fee. To confirm, check with your agent or call Customer Care at 800-543-2644.
Call 866-884-6167 Monday through Friday, 8 a.m. to 8 p.m.

