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!

"Dwelling basic" text over photo of a dwelling basic house

Some homes may not be eligible for full coverage, and sometimes a customer may request just the basics. This product helps you cover most occupancies – a full-time home, rental property, seasonal home, vacant property, and even non-residential structures. The flexible format makes it easy to insure the building and protect a customer from loss.

When to write

  • Consideration needed due to condition concerns
  • Full coverage not needed or wanted
  • Renovation is in process
  • Hard-to-find coverage needed such as vacant or non-residential
  • Multi-family construction
  • Landlord wants to cover up to 10 properties on one policy

What’s eligible

  • Single family up to a four-family home
  • Values up to $300,000 ($1M for vacant)
  • No age limit in most states (a 20-year roof age limit typically applies)
  • Average condition or better
  • Up to three stories
  • Town/row homes permitted

Important options

  • Water damage at 10% Coverage A with $5,000 mold remediation sublimit
  • Water backup from drain or sump pump overflow
  • Premises liability from $25,000 to $500,000
  • Personal property
  • Short-term rental, occasional rental
  • Theft with resulting vandalism
  • Burglary
  • Builder’s risk
  • Service line failure

Included coverage

  • Named peril protection
  • ACV settlement, optional full repair cost
  • Personal property covered with ACV settlement

Other programs to consider

For a seasonal home or rental property in good to great condition (single to 4-family), look at the Dwelling Special program. It offers open peril coverage and replacement cost protection.

In a few states, an owner-occupied or seasonal home (single or two-family) in good condition can also be quoted in the Homeowners FLEXSM program. It offers a package of protection like you find in an HO-3 policy.

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