Home & Property > Manufactured Home > Seasonal Home
This insurance is designed for any home you own which is not your primary residence, and that you occupy on a seasonal basis. If you occupy your seasonal mobile home for longer than five consecutive months during the year, you should instead purchase our owner occupied policy.
Comprehensive protection. Your policy covers a wide range of perils, including lightning, fire, wind, and hail as well as falling objects, civil commotion, explosions, and water damage from a burst plumbing system.
Protection for a total loss. For a total loss, your settlement is for the stated value of your mobile home, as listed on your policy. In the event of a total loss, you will be paid the agreed value amount shown on your declaration page, without any deduction for depreciation.
Protection for a partial loss. It’s rare for a home to be completely destroyed; most claims are for partial losses. With an American Modern seasonal mobile home policy, you automatically receive the actual cash value (ACV) for a partial loss. Because ACV takes depreciation into account when settling your claim, you may want to upgrade your protection to replacement cost. Replacement cost coverage gives you more assurance that you will be able to replace what you have lost.
Plus these:
| • Reimbursement for repairs • Fire department service charge |
• Emergency removal • Trees/shrubs/plants/lawns |
• Antenna/satellite dish • Food spoilage |
Personal property. Your belongings are protected and replaced on an actual cash value (ACV) basis. You can upgrade to replacement cost.
Occasional rental. You can rent your seasonal home on an occasional basis for a short period of time while you are not using the home yourself.
Personal liability. If a guest is injured in your home, or if you accidentally injure someone or damage property away from your home, you may be liable. We offer several coverage limits.
Breakdown coverage. Add this extra protection, and we pay for the repair or replacement of your major appliances, HVAC and electronics if they just stop working. That can save you a lot of money for an unexpected repair or replacement. You pay just the deductible. Learn more about this special coverage for mobile homes.
Protection for other structures. Add coverage for a shed, detached garage or fence.
Earthquake. This hard-to-find coverage is available in nearly all states.
American Modern insures all kinds of mobile and manufactured homes. Take a look at our FAQ.
Get your seasonal mobile home insurance quote from American Modern. Call 1 866-884-6167 Monday through Friday, 8 am to 8 pm ET. Or request your seasonal manufactured home insurance quote online.
Products, coverages and discounts are not available to all persons, in all states or apply to all possible risks. Terms, conditions and exclusions may apply. Rates are derived from a number of factors, which can influence the price, discounts and savings. Your rate may be higher or lower. Policies are subject to underwriting review and approval. Rates are subject to change. Policies are written by one of the companies of American Modern Insurance Group, which includes American Modern Home Insurance Company and American Family Home Insurance Company.
Our Breakdown Endorsement adds coverage for the mechanical or electrical failure of household systems such as kitchen appliances, heating and air conditioning, TV, well pump or pool equipment.
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