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-1Specialty HomeownersDP-3
OccupancyRental
Seasonal
Owner
Vacant
 ConditionAbove average or better
Average
Fair
StructureSingle Family
Duplex
3- or 4-family
Age80 years or newer (60 years in some states) and roof 20 years or newer
Any age
CoverageComprehensive
Named perils
Replacement cost settlement optional
ACV settlement optional
Full repair cost

Refer to program manual for specific details.