Watch and Learn!

Need a reason to write American Modern? We’ve got three!

See how our Dwelling solutions compare.

Write it right chart

Check out the chart above for a quick-reference guide to our Dwelling differences!

"Condominium" text over photo of a condo living room

Finding coverage for a condo that is a full-time rental, or just used seasonally, may be a challenge. But you can help these customers with our HO-6 program. It’s tailored to a full-time rental or a seasonal unit.

When to write

  • Rental units
  • Seasonally used home
  • If a rental unit, add option for short-term rentals
  • If used seasonally, add option for occasional rentals

What’s eligible

  • Single family home
  • Values up to $500,000 (Coverage A)
  • Average condition or better
  • Units in high rises are accepted

Important options

  • Water backup from drain or sump pump overflow
  • Short-term or occasional rental
  • Ordinance or law
  • Theft while rented
  • Landlord personal injury, such as wrongful eviction

Included coverage

  • Named peril protection
  • Replacement cost
  • Liability from $100,000 to $500,000
  • Water damage from 25%, 50%, 75% of Coverage A, or full coverage
  • Loss assessment from $1,000 to $50,000
  • Property manager liability if a rental unit

Other programs to consider

If the condo is vacant, it can be placed in our Dwelling Basic program.

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.