American Modern logo
Dwelling Special
Dwelling Special protects rental property, vacation homes, and vacant property with replacement cost coverage. It is well suited for a home that may need less extensive coverage than a full-time residence.
What’s eligible Occupancy type
  • Above average condition or better
  • No age restrictions in most states
  • Up to four-family home
  • Up to three stories
  • Up to 30 homes on one policy
  • Row houses or townhomes
  • Rental 
  • Seasonal 
  • Vacant
What’s eligible Occupancy type
  • Above average condition or better
  • No age restrictions in most states
  • Up to four-family home
  • Up to three stories
  • Up to 30 homes on one policy
  • Row houses or townhomes
  • Rental 
  • Seasonal 
  • Vacant
What’s eligible
  • Above average condition or better
  • No age restrictions in most states
  • Up to four-family home
  • Up to three stories
  • Up to 30 homes on one policy
  • Row houses or townhomes
Occupancy type
  • Rental 
  • Seasonal 
  • Vacant
Included coverage
  • Other structures - 10% Coverage A (does not reduce Coverage A)
  • Reasonable repairs
  • Debris removal
  • Additional living expenses / Fair rental value - 10% Coverage A
  • Fire department surcharge - $500
  • Water damage - 10% Coverage A with a $5,000 sublimit for mold and remediation
Included coverage
  • Other structures - 10% Coverage A (does not reduce Coverage A)
  • Reasonable repairs
  • Debris removal
  • Additional living expenses / Fair rental value - 10% Coverage A
  • Fire department surcharge - $500
  • Water damage - 10% Coverage A with a $5,000 sublimit for mold and remediation
Included coverage
  • Other structures - 10% Coverage A (does not reduce Coverage A)
  • Reasonable repairs
  • Debris removal
  • Additional living expenses / Fair rental value - 10% Coverage A
  • Fire department surcharge - $500
  • Water damage - 10% Coverage A with a $5,000 sublimit for mold and remediation
Important options
  • Water backup from drain or sump pump overflow
  • Premises liability from $25,000 to $500,000
  • Personal property
  • Burglary - up to 100% of Coverage C
  • Water damage - increase from 10% to up to 100% Coverage A
Important options
  • Water backup from drain or sump pump overflow
  • Premises liability from $25,000 to $500,000
  • Personal property
  • Burglary - up to 100% of Coverage C
  • Water damage - increase from 10% to up to 100% Coverage A
Important options
  • Water backup from drain or sump pump overflow
  • Premises liability from $25,000 to $500,000
  • Personal property
  • Burglary - up to 100% of Coverage C
  • Water damage - increase from 10% to up to 100% Coverage A
Frequently Asked Questions
Other solutions to consider

For a one- or two-family seasonal home, look at the Homeowners FLEX® program. It offers open peril coverage and replacement cost protection configured as a package similar to   HO-3. In some states, our Homeowners program accepts seasonal homes that do not need open peril or replacement coverage.

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.
Other solutions to consider

For a one- or two-family seasonal home, look at the Homeowners FLEX® program. It offers open peril coverage and replacement cost protection configured as a package similar to   HO-3. In some states, our Homeowners program accepts seasonal homes that do not need open peril or replacement coverage.

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.
Other solutions to consider

For a one- or two-family seasonal home, look at the Homeowners FLEX® program. It offers open peril coverage and replacement cost protection configured as a package similar to   HO-3. In some states, our Homeowners program accepts seasonal homes that do not need open peril or replacement coverage.

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.
Additional product resources
Write our residential products right
Write our residential products right
Residential products comparison guide
Residential products comparison guide
Training resources
Dwelling Basic vs. Dwelling Special
Dwelling Basic vs. Dwelling Special
Residential products overview
Residential products overview
View all training arrow_forward