How To Choose A Dwelling Solution
Think American Modern®
for harder-to-place risks
• Rental properties
• Vacation or second homes
• Homes with a claims history
• Landlords with 10 or more properties
• Homes not needing liability coverage
• Owners with less than perfect credit
… and also for unusual risks
• Cabin with no utilities
• Stand-alone structures ex. boat slip or pole barn
• Homes undergoing a renovation
• Rental property between tenants
• Vacant homes, manufactured homes and condos
Match your property to a program
| DP-1 | Specialty Homeowners | DP-3 | ||
| Occupancy | Rental |  | | |
| Seasonal | | | | |
| Owner | | | ||
| Vacant | | |||
| Condition | Above average or better | | | |
| Average | | | ||
| Fair | | |||
| Structure | Single Family | | | |
| Duplex | | | | |
| 3- or 4-family | | | ||
| Age | 80 years or newer (60 years in some states) and roof 20 years or newer | | | |
| Any age | | | ||
| Coverage | Comprehensive | | ||
| Named perils | | | ||
| Replacement cost settlement | optional | | ||
| ACV settlement | | | optional | |
| Full repair cost | | |
Refer to program manual for specific details.
