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Don’t let occupancy, age, condition or claims lock you out of insuring a home. When standard policies won’t work, hard-to-cover risks are easier with specialized coverage and claims expertise. Welcome more homes with American Modern.

Homeowners FLEX^® Some homes may need a more customized solution. Address age, claims and location concerns by dialing coverage levels up or down with this versatile HO-3 alternative.	Homeowners Need an alternative to HO-3 coverage due to value, age or claim history? Offer coverage for a wide range of full-time and seasonal homes.
Dwelling Special You don’t have to treat a seasonal home like a full-time residence. Here’s a replacement value option with less extensive coverage.	Manufactured Home We’ve been helping people protect manufactured homes since 1965. Offer "all risk" coverage for everything from single-family and multi-sectional to modular or tiny homes.
Dwelling Basic Maybe your customer can’t get coverage – or maybe they’re just looking for the basics. Either way, our version of dwelling fire can cover owner-occupied and other occupancy types.

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

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