Comprehensive Protection for Your Home
Enjoy the peace of mind that comes with security.
Just as policies aren't the same, neither are the companies that offer them. Some insurance companies don't know or understand the customers they serve as well as they should. And, the differences don't stop there, as there are many important differences from one specialty policy to another.
American Modern's standard manufactured homeowner's policies aren't standard at all....they provide broad protection and coverage and first-rate features that meet your special needs. We also allow you to tailor your policy with a number of optional coverages that add minimal cost to your premium. And, the companies of American Modern Insurance Group have a real commitment to the manufactured housing market and the policyholders we serve. The right combination of insurance and safe practices will keep you protected, all year long.
- Different Policies for Different Needs
- Why It's Good to Have a Specialty Policy
- Homeowner Coverage
- Claims Expertise
- Handy Options, Benefits and Extras
- Read Your Policy Carefully
- How to Obtain an American Modern Policy
- Manufactured Home Safety Tips
Different Policies for Different Needs
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American Modern offers policies* for all the following situations and needs:
- Package Program. Includes protection for the home, personal property and adjacent structures (sheds and detached garages). Personal liability coverage is usually part of the policy, too.
- By-line. Some people don't need a full range of protection. With our by-line policy, you select only the coverages and limits you really need.
- Seasonal. Do you have a manufactured home that you use as a vacation residence? This policy is specially designed for the coverage needs of a seasonal home.
- Rental. Protection for a manufactured home you rent to others. This policy includes coverage for the home structure itself; you can also add coverage for premises liability as well as protection for personal property you may still have in the home.
- Tenant. If you live in a manufactured home that you rent, this policy is for you. It provides protection for your personal belongings, and offers personal liability as an optional coverage.
- Vacant. Your manufactured home may be vacant for any number of reasons. We offer 3- and 6-month policies that cover the home for the time when no one is living in it.
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Why It's Good to Have a Specialty Policy
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A Policy Designed to Meet Your Needs. At American Modern, our focus is on providing quality protection for just a few select types of insurance, including manufactured homes, motorcycles and recreational vehicles. Our specialty focus helps us better understand the products we insure, so we can provide a policy that is designed to meet your needs. For more information about American Modern, click here.
Homeowner Coverages
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Everyone's insurance needs are different. That's why we provide a range of different policy types, all of which automatically include standard coverages, while also giving you the flexibility to add optional protection.
Many of the coverages we offer are listed here. But, not every policy includes all of the coverages listed below. Coverage is only provided by your policy if it is specifically listed on your declarations page. We recommend that you talk to your agent about the specific coverages and limits you need.
- Protection for the Home and Adjacent Structures. This coverage protects the home itself, as well as any equipment and fixtures that were part of the home when it was first built or purchased from the dealer. This coverage also protects any detached garages and sheds you own that are on your property.
- Personal Property Protection. When this coverage is part of your policy, we automatically provide protection for certain types of personal property. We also offer increased coverage for special items typically limited or excluded in standard policies, such as jewelry, coins, and more.
- We Include: Protection for your personal property if it is destroyed or becomes unusable due to fire, theft, lightning, windstorm, tornado, hail, explosion, smoke, sudden plumbing leaks, vandalism and more.
- Optional Protection: Our optional scheduled personal property protection provides increased coverage for special personal property items such as jewelry, coins, collections and more.
- Additional Living Expense. When this optional coverage is part of your policy, it helps pay your living expenses should your home become uninhabitable due to a covered loss.
- Depreciation Protection. Sometimes settlement payments are subject to depreciation, which can make it hard to replace your home if it's completely destroyed by a covered peril. To help you recover from a total loss, we offer replacement cost coverage on select American Modern policies; ask your agent for details.
- Coverage Before You Move In. An optional protection that's beneficial if you're putting your brand new manufactured home on your own property. It's called Builders Risk, and many loan companies and lenders require this type of coverage before they will give you a loan on your home. But even if they don't, it's good protection for you.
- As soon as your home loan is closed, this coverage provides protection for personal liability, theft of building materials and damage caused by site improvements.
- When the home is delivered to your property, the policy protects the home, adjacent structures and your personal property - even before the home is installed and ready for occupancy.
- Fire Department Service Charge Coverage. If the fire department needs to come to your home, you are billed for the trip they make. This pays for that charge, to policy limits.
- Emergency Removal Coverage. When a peril such as a hurricane threatens your home, you'll probably want to take some of your personal belongings to a safer location. This coverage pays the expenses to remove and then return your belongings back home after the storm has passed.
- Trip Collision Protection for When You Move. Moving your home to a new location? There's always the possibility of having a collision accident along the way. Make sure you add this optional endorsement to your policy to protect against collision damage that could happen during the move.
- Personal Liability. You could be held liable for an accident that causes property damage or bodily injury to another person. When this coverage is part of your policy, we will pay for the damages incurred and/or pay for someone to represent you in court.
- Medical Payments to Others. If someone is hurt while on your property and needs medical attention, we will pay for their medical needs, to policy limits.
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Claims Expertise
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- Immediate Catastrophe Aid. Whenever there's a major storm, our claims professionals join forces to provide the fast, efficient service our customers deserve. We've even had claims professionals on the scene before hurricanes hit land so we could begin handling claims as soon as things cleared up. For more information about our claims department, click here.
- Fast and Reliable Claims Service. Our customers can report a claim online or over the phone, any time day or night. Customer service representatives take claims in person from 8 a.m. to 7 p.m. Eastern Time, Monday through Friday. We also have after-hours and weekend service for emergencies!
Handy Options, Benefits and Extras
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- Multiple Deductible Options. We offer deductibles ranging from $250 to $1000. Talk to your agent to determine the best deductible choice for you.
- Various Payment Options. We offer our customers many flexible ways to pay the premium on their policies. They can pay it all at once, or in convenient installments. They can take advantage of EZPay™, a once-a-month electronic funds transfer that pays the premium due - and the customer even picks the day of the month the transfer occurs. We also take debit cards, Discover®, MasterCard®, Visa® and American Express®. For more information on any of our payment options, click here.
- Superior Customer Service. Our Customer Care Representatives are specially trained to answer policyholder questions quickly and accurately.
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Read Your Policy Carefully
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Our site contains general descriptions of the policies and coverages we provide. While you may use our site to help you understand the different types of coverage available, remember that this site does not describe all of the terms, conditions, limitations or exclusions in your policy, nor does it modify or change any definitions expressly stated in any contracts of insurance. Our policy and coverage offerings also vary from state to state. We encourage you to speak to your insurance agent and to also read your policy contract to fully understand your coverage.
How to Obtain an American Modern Policy
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We have Agents located throughout the country. To find one in your area, please us or contact Customer Care Services Monday through Friday, 8 a.m. to 7 p.m. Eastern Standard Time
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( Note: Not all products available in all states. )
( Note: Not all products available in all states. )
Last Updated on March 30, 2005
