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 | ![]() |
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Seasonal | ![]() |
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Owner | ![]() |
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Vacant | ![]() |
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Condition | Above average or better | ![]() |
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Average | ![]() |
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Fair | ![]() |
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Structure | Single Family | ![]() |
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Duplex | ![]() |
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3- or 4-family | ![]() |
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Age | 80 years or newer (60 years in some states) and roof 20 years or newer | ![]() |
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Any age | ![]() |
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Coverage | Comprehensive | ![]() |
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Named perils | ![]() |
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Replacement cost settlement | optional | ![]() |
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ACV settlement | ![]() |
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optional | |
Full repair cost | ![]() |
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Refer to program manual for specific details.