Residential Solutions
that Help You Say “Yes!”
If you’re finding the standard market inflexible, it’s a good thing you found American Modern® insurance. Our specialty coverage is tailor-made for homes that fall outside the standard market — and our dwelling solutions deliver the flexibility that helps you cover more homes and grow your business. We have solutions for all your customers’ special situations. Take a quick look at our products by name or by occupancy, and then jump into the specific details of each!
Our Residential Programs Have Something
For (Almost!) Every Home
An HO-3 alternative, Homeowners FLEX provides open peril and replacement cost coverage, with up to full water damage, to both owner-occupied or seasonal homes in above-average condition. Key coverages can be dialed up or down.
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A package of coverage based on a dwelling form, this named peril and ACV program targets homes not eligible for HO-3, but that are still in at least average condition. Water damage, theft, and other coverages are optional.
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This long-time American Modern program provides full coverage, a stated-value total settlement, optional replacement cost for homes 30 years of age or newer, and many options. Vacant homes accepted in Dwelling Basic.
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A modification to a DP-3 form, this program protects single-family to four-family, vacant, rental, or seasonal homes in average or better condition with open peril and replacement cost. Build up the coverage to full water damage and more.
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Our version of dwelling fire, this named peril and ACV program welcomes all occupancies, has no age-of-home limit, and accepts homes in at least fair condition. Water damage, liability, personal property, burglary, and more are optional.
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Exclusively for rental units and seasonally used homes, this HO-6 product accepts homes titled in the name of an individual, a single family, or an LLC. Short-term rental is an option, and liability can be extended to a property manager.
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Occupancy Types
Special conditions may prevent a full-time home from securing traditional insurance coverage. Our options help you protect that home and family.
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Vacation homes come in all sorts, from luxury properties on a lake or golf course, to more humble cabins in the woods. We have programs for both.
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A property might be vacant because it’s undergoing a renovation, is for sale, or is part of an estate closing. That alters the insurance need. We have two solutions.
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Whether it’s a single-family home rented out for the income, or a vacation home lent out for short-terms, we can prove as much coverage as needed.
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Program availability varies by state.
Occupancy Overview
For more at-a-glance details, click on the product name in the table below.
|
Owner |
Rental |
Seasonal |
Vacant |
Non-residence |
|
| ✓1 | ✓ | ✓ | ✓ | — | |
| ✓ | ✓ | ✓ | ✓ | ✓ | |
| ✓ | — | ✓ | — | — | |
| ✓ | — | ✓ | — | — | |
| ✓ | ✓ | ✓ | ✓2 | — | |
| ✓1 | ✓ | ✓ | ✓2 | — |
1 available in limited states | 2 use Dwelling Basic program