Home & Property > Specialty Homeowner
Get a Rate Quote NowOur Specialty Homeowners program welcomes homes that need something more or different than what is offered in the standard market.
Some houses, due to age, location or value, may not qualify for a standard homeowner policy. It may need to be insured up to limits far exceeding its actual value.
American Modern’s Specialty Homeowner program welcomes homes that do not fit the underwriting parameters of the standard market – without compromising coverage.
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Policy feature |
What it means |
Policy overview |
Protection |
Named peril coverage means you are protected from loss caused by events included in the policy. |
Settlement |
We pay the actual cash value for a loss, but you can upgrade to replacement cost. Your home is insure to its market value. |
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Residence description |
Wide eligibility |
• One or two-family |
Included coverage |
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. |
Personal property |
We protect your belongings for the actual cash value, but you can upgrade to replacement cost. |
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Other structures |
We cover your shed, detached garage and fence. |
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Reasonable repairs |
We reimburse reasonable expenses for repairs made to prevent additional damage, like covering a roof after a storm. |
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Additional living expense |
If you need to move out during repairs we will cover those expenses outside of your normal budget. |
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Vandalism |
Coverage for acts of malicious intent that damage your home. |
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Optional coverage |
Enhanced coverage |
Add protection for |
All coverages protect up to the stated policy limit. For details on this product, talk to your agent.
Program availability and coverages may vary by state.
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