photo of smiling family sitting on porch

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

Photo of a yellow house

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.
Get program details

Photo of a large two story house

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.
Get program details

Photo of a manufactured home

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.
Get program details

Photo of a cabin surrounded by pine trees

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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Photo of a dwelling basic house

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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Photo of a condo living room

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.
Get program details

Program availability varies by state.

Occupancy Types

click here to watch a video introduction for owner occupied homes

Special conditions may prevent a full-time home from securing traditional insurance coverage. Our options help you protect that home and family.
Watch a video introduction

click here to watch a video introduction for vacation and seasonal homes

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.
Watch a video introduction

click here to watch a video for vacant homes

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.
Watch a video introduction

click here to watch a video introduction for rental homes

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.
Watch a video introduction

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

Dwelling Special

1

Dwelling Basic

Homeowners FLEXSM 1

Homeowners1

Manufactured Home

2

Condominium

1 2

 

1 available in limited states | 2 use Dwelling Basic program