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Residential by product
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Recreational
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Residential by product
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Residential by occupancy
  • Owner-occupied homes
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Recreational
  • Collector vehicle
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Don’t work empty-handed. Load up with marketing and training to get the word out and stay top of mind.

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Everyone needs a hand sometimes—and we have plenty to lend. Find the right kind of help at the right time.

Our solutions

Covering a wide variety of hard-to-place risks—that’s our specialty. Here’s a quick look at our full product menu.
All residential occupancies
Help your customers protect non-traditional properties like vacancies, vacation homes and short-term rentals (just to name a few). With American Modern, you’re right at home with specialized coverage for special circumstances.
Owner-occupied homes

Not every home is made for traditional insurance. That’s when our residential options can help the most.

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Seasonal/Vacation homes

Mountain chalets, lake cabins and other getaway places can be difficult to write. Not for us.

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Rental homes

Do rental units have unique needs? They sure do—and we have several ways to provide it.

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Vacant homes

Even empty homes need protection. We insure many properties in the middle of a sale, estate transfer or renovation.

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All products may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.

Additional product resources
Insuring Seasonal and Vacation homes
Insuring Seasonal and Vacation homes
Vacant homes need special coverage
Vacant homes need special coverage

Training resources
Seasonal occupancy overview
Seasonal occupancy overview
Quoting and issuing policies in AMsuite
Quoting and issuing policies in AMsuite
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Customer Service Phone Number (800) 543-2644
Customer Service Phone Number
(800) 543-2644
Customer Service Email address servicecenter@amig.com
Customer Service Email address
servicecenter@amig.com
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For agents
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Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may vary or not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including but not limited to American Modern Property and Casualty Insurance Company (CA Lic. No. 6129-1).

American Modern Insurance Group, American Modern, AMsuite, modernLINK, and Homeowners FLEX are registered trademarks of American Modern Insurance Group, Inc. All other names, logos, and brands described herein are trademarks or registered trademarks of their respective holders, and use herein does not imply affiliation with or sponsorship or endorsement by them of American Modern, its products, or its services.

Please refer to the applicable Homeowners FLEX Program Manual for complete details. Different sub-limits may apply that vary from a standard HO-3 policy. “All risk” pertains specifically to dwellings and structures. Mandatory exclusions, including roof cosmetic damage exclusion and swimming pool slide and diving board liability exclusion, apply.

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