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Property insurance is never easy, especially with non-traditional properties. It can be hard to find proper coverage because of age, property type or use. Fortunately, you can count on American Modern to help guide you through the maze of unique property risks and coverage options. We’ll help you be the expert on hard-to-place property insurance, including vacant property, seasonal homes, manufactured homes and more.

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Condominium Insurance (HO-6)

[/vc_column_text][vc_separator color=”black” border_width=”2″][vc_column_text]Many carriers write HO-6 coverage for full-time owner occupancy, but few accept rental or seasonal condominiums. (In Cal [more][/vc_column_text][vc_raw_html]JTNDJTJGYSUzRQ==[/vc_raw_html][/vc_column][vc_column width=”1/3″ css=”.vc_custom_1513282961528{background-color: #f3f3f4 !important;}”][vc_raw_html]JTNDYSUyMGhyZWYlM0QlMjJodHRwcyUzQSUyRiUyRnd3dy5hbWlnLmNvbSUyRmFsbHN0YXRlYWdlbnRzJTJGcmVzaWRlbnRpYWwtc29sdXRpb25zJTJGb3duZXIlMkYlMjIlMjBjbGFzcyUzRCUyMmJveC1saW5rJTIyJTNF[/vc_raw_html][vc_column_text]

Owner-Occupied Homes

[/vc_column_text][vc_separator color=”black” border_width=”2″][vc_column_text]Even if the owner is living in the property, there can be special risks that may prevent traditional insurance coverage. [more][/vc_column_text][vc_raw_html]JTNDJTJGYSUzRQ==[/vc_raw_html][/vc_column][vc_column width=”1/3″ css=”.vc_custom_1513282976245{background-color: #f3f3f4 !important;}”][vc_raw_html]JTNDYSUyMGhyZWYlM0QlMjJodHRwcyUzQSUyRiUyRnd3dy5hbWlnLmNvbSUyRmFsbHN0YXRlYWdlbnRzJTJGcmVzaWRlbnRpYWwtc29sdXRpb25zJTJGcmVudGFsJTJGJTIyJTIwY2xhc3MlM0QlMjJib3gtbGluayUyMiUzRQ==[/vc_raw_html][vc_column_text]

Rental Property

[/vc_column_text][vc_separator color=”black” border_width=”2″][vc_column_text]Many of your customers are looking for rental property coverage for a vacation home, investment property or a home they [more][/vc_column_text][vc_raw_html]JTNDJTJGYSUzRQ==[/vc_raw_html][/vc_column][/vc_row][vc_row gap=”20″ equal_height=”yes” el_id=”grey-3col”][vc_column width=”1/3″ css=”.vc_custom_1513282946173{background-color: #f3f3f4 !important;}”][vc_raw_html]JTNDYSUyMGhyZWYlM0QlMjJodHRwcyUzQSUyRiUyRnd3dy5hbWlnLmNvbSUyRmFsbHN0YXRlYWdlbnRzJTJGcmVzaWRlbnRpYWwtc29sdXRpb25zJTJGdmFjYXRpb24tc2Vhc29uYWwtaG9tZXMlMkYlMjIlMjBjbGFzcyUzRCUyMmJveC1saW5rJTIyJTNF[/vc_raw_html][vc_column_text]

Vacation and Seasonal Homes

[/vc_column_text][vc_separator color=”black” border_width=”2″][vc_column_text]Vacation homes come in all sorts, from luxury properties on a lake or golf course, to more humble cabins with that belov [more][/vc_column_text][vc_raw_html]JTNDJTJGYSUzRQ==[/vc_raw_html][/vc_column][vc_column width=”1/3″ css=”.vc_custom_1513282961528{background-color: #f3f3f4 !important;}”][vc_raw_html]JTNDYSUyMGhyZWYlM0QlMjJodHRwcyUzQSUyRiUyRnd3dy5hbWlnLmNvbSUyRmFsbHN0YXRlYWdlbnRzJTJGcmVzaWRlbnRpYWwtc29sdXRpb25zJTJGdmFjYW50JTJGJTIyJTIwY2xhc3MlM0QlMjJib3gtbGluayUyMiUzRQ==[/vc_raw_html][vc_column_text]

Vacant Homes

[/vc_column_text][vc_separator color=”black” border_width=”2″][vc_column_text]There are many reasons property might be vacant – including a home undergoing renovation, a seasonal home, a renta [more][/vc_column_text][vc_raw_html]JTNDJTJGYSUzRQ==[/vc_raw_html][/vc_column][vc_column width=”1/3″ css=”.vc_custom_1513282976245{background-color: #f3f3f4 !important;}”][vc_raw_html]JTNDYSUyMGhyZWYlM0QlMjJodHRwcyUzQSUyRiUyRnd3dy5hbWlnLmNvbSUyRmFsbHN0YXRlYWdlbnRzJTJGcmVzaWRlbnRpYWwtc29sdXRpb25zJTJGbWFudWZhY3R1cmVkLWhvbWUlMkYlMjIlMjBjbGFzcyUzRCUyMmJveC1saW5rJTIyJTNF[/vc_raw_html][vc_column_text]

Manufactured Homes

[/vc_column_text][vc_separator color=”black” border_width=”2″][vc_column_text]Manufactured homes pose unique risks and deserve insurance coverage that is custom-tailored to them. We can give you the [more][/vc_column_text][vc_raw_html]JTNDJTJGYSUzRQ==[/vc_raw_html][/vc_column][/vc_row][vc_row gap=”20″ equal_height=”yes” el_id=”grey-3col”][vc_column width=”1/3″ css=”.vc_custom_1513282946173{background-color: #f3f3f4 !important;}”][vc_raw_html]JTNDYSUyMGhyZWYlM0QlMjJodHRwcyUzQSUyRiUyRnd3dy5hbWlnLmNvbSUyRmFsbHN0YXRlYWdlbnRzJTJGcmVzaWRlbnRpYWwtc29sdXRpb25zJTJGcGV0LWhlYWx0aCUyRiUyMiUyMGNsYXNzJTNEJTIyYm94LWxpbmslMjIlM0U=[/vc_raw_html][vc_column_text]

Pet Health

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The pet market is huge. Nearly 83 million U.S. households (68 percent) have a pet, with annual spending of nearly $60 bi [more]

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Earthquake

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Earthquakes can happen anywhere at any time, but a typical homeowners policy does not cover this potentially devastating [more]

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