Non-Residential Properties

Home & Property > Non-Residential Properties

Boat House Insurance

Insuring Non-Residential Property

Owners of a stand-alone structure can insure just their building, such as a pole barn or a boat house.

In a typical dwelling or homeowners policy, outbuildings are included in the policy written for the home itself. 

But what if you just need coverage for the building itself or if it is located away from your primary residence?  Most carriers will not be able to provide you coverage.

American Modern can insure a stand-alone structure by itself, such as a

  • Pole barn
  • Boat house or covered boat slip
  • Casitas (RV awning)
  • Storage building
  • Camping structure

These are non-residential structures that include a roof, but no permanent living quarters.

We can write a separate policy for these kinds of buildings.  The minimum accepted value is $5,000.  We do not require that you have a homeowners or dwelling policy with us.

Non-Residential Properties

This is a commercial program that requires consultation with your agent to receive a quote.