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American Modern

FatherMoment
09
Apr

American Modern

AmericanModernProtecting passions with first-choice specialty insurance
Insurance Solutions from American Modern
Sometimes customers need something different than what the general market offers. That’s specialty insurance. That’s American Modern.

Mobile Home

Since 1965 we’ve been protecting classic mobile homes and today’s upscale manufactured housing. Our program accepts any factory-built home, whether it is a single-wide, double-wide, triple-wide, or 2-story modular. Unlike other insurers, we place no age restriction on your home.

Coverage highlights:

  • Comprehensive protection – Your policy covers any cause of loss (fire, lighting, wind, hail, explosion, burst water pipes, and so on) unless that cause is specifically excluded in the policy documents.
  • Stated value loss settlement – For a total loss, we settle at the state value of your home which is listed on your policy. There is no depreciation deduction. For a partial loss, we pay the actual cash value of the loss, but you can upgrade that to a replacement cost valuation.
  • Liability – You are covered if an injury occurs to someone while on the premises, or if you accidentally injure someone or damage property away from your home.
  • Personal property – Your personal belongings are protected on an actual cash value basis if the home suffers a covered loss.

Collector Car Insurance

A collector car’s age, rarity, value, unique features, limited use, availability of parts and services, and popularity across generations make it more desirable than a “daily use” auto. One of the most inclusive classic auto and collector car insurance policies in the industry. Our program is inclusive with options for all types of collectors, vehicles and values.
Coverage highlights:

  • Agreed value loss settlement
  • Broad usage allowance
  • Mileage plans include unlimited miles
  • Date and specific time of the loss
  • Deductible options from $0 to $10,000
  • Flexible payment options

Boat

We insure boats up to 64 feet in length and up to 70 m.p.h. Bass boats are a sweet spot. Both avid and occasional boaters who understand that a boat is an investment look for coverage that does more than just provide liability. That’s our market.

Coverage for most boat types:

We accept boats up to 64 feet in length, 70 m.p.h. (faster for some classes), and $1 million in value (most states).

  • Bass/walleye
  • Pontoon
  • Sail boat
  • High-performance
  • Ski boat
  • Sport fisher
  • Houseboat
  • Trawler
  • Cruiser
  • Mid-performance
  • Runabout
  • Hovercraft

In some states we offer a special program just for yachts, and a Jet Ski® or Wave Runner® qualify for protection under our personal watercraft program.

Landlord

We offer landlords options to insure a single rental property or an entire portfolio. Rental property is tricky to insure. American Modern® offers two solutions. You can even combine ten or more properties onto one policy, with one bill and one renewal date.

Choose from comprehensive coverage

Eligible home types

  • Homes up to 80 years of age (60 years in some states)
  • Roof updated within the past 20 years
  • Above average or better condition
  • Up to a four-family structure

Coverage provided – Any cause of loss is allowed except those specifically excluded in the policy documents. Losses are settled at the replacement cost, up to the policy limit. There is no depreciation deduction.

Or flexible coverage

Eligible home types

  • No age limit on the structure
  • Fair or better condition
  • Up to a four-family structure

Coverage provided – The policy covers just those causes of loss listed by name in the policy documents (fire, lighting, wind, hail, explosion, and others). It covers the most common risks, but not everything. Losses are settled for the actual cash value (ACV), which takes depreciation into account. In many states we offer an upgrade to full repair cost coverage.

Motorcycle

American Modern® offers replacement cost coverage that does not expire, and we include $3,000 in accessory coverage. Our program accepts cruisers, touring, dual purpose, dirt bikes, scooters, and trike conversions.

Coverage for most bike types

  • Cruiser
  • SuperSport
  • Touring
  • Dual purpose
  • Standard
  • Scooter
  • Dirt bike
  • Trike conversion
  • Moped

Yacht

In select states we have a special program designed for smaller yachts and cabin cruisers.
Sail in U.S. and Canadian waters, plus Mexico’s Pacific coast (north of Rio Santo Tomas, Baja), the lakes between Mexico and Texas, and optional navigation to the Bahamas.

Special coverage and limits

  • Personal effects and fishing gear – Up to $10,000 in coverage for personal effects and fishing gear.
  • Emergency assistance – Up to $2,500 to reimburse emergency assistance and towing, and up to $10,000 for search and rescue.
  • Travel loss reimbursement – Up to $1,000 per day ($10,000 per term max.) plus lodging and transportation.
  • Under or uninsured watercraft – If you have an accident with someone with little or no insurance, we keep you covered.
  • Using other watercraft – Your liability protection extends to the use or rental of another boat.

Vacation Home

Protect your second home with programs flexible enough for either a high-end or rustic get-away. Seasonal homes vary from a cottage or rustic cabin to investment property in a resort. Whether in your family for years, or newly purchased, we can protect it.

Eligible home types

  • Homes up to 80 years of age (60 years in some states)
  • Roof updated within the past 20 years
  • Above average or better condition
  • Up to a four-family structure

Coverage provided – Any cause of loss is allowed except those specifically excluded in the policy documents. Losses are settled at the replacement cost, up to the policy limit. There is no depreciation deduction.

Or flexible coverage
Eligible home types

  • No age limit on the structure
  • Fair or better condition
  • Up to a four-family structure

Coverage provided – The policy covers just those causes of loss listed by name in the policy documents (fire, lighting, wind, hail, explosion, and others). It covers the most common risks, but not everything. Losses are settled for the actual cash value (ACV), which takes depreciation into account. In many states we offer an upgrade to full repair cost coverage.

ATV & UTV

Protect your off-road fun with a policy that insures single or multi-passenger ATVs and UTVs.
All-terrain vehicles and utility vehicles come in many configurations, and American Modern® provides excellent coverage for nearly all types.

  • Sport
  • 4-wheel
  • Utility
  • 6-wheel
  • Multi-passenger
  • 8-wheel

PWC

Protect your fun on the water with a policy for single or multiple-passenger personal watercraft

Most people refer to a personal watercraft, or a PWC, by the brand name (Jet Ski®, WaveRunner® or SEADOO®). Whatever you call it, American Modern® can protect it.
Discounts

  • Loss free renewal – 5% on first renewal, 10% on successive years
  • Experience – We will adjust the rate to reflect your boating experience.
  • Insuring multiple units – 10% if insuring two or more

Included coverage

  • Personal watercraft are best protected with physical damage protection for the hull, comprehensive coverage for other kinds of damage or loss, plus liability coverage. Where appropriate, a liability only policy can be written.
  • Market value settlement – In the event of a total loss or theft, we pay the market value (actual cash value), which includes a deduction for depreciation. For a partial loss, we pay the repair cost, minus depreciation for damaged parts. The policy deductible applies.
  • Medical payments – Policy includes $1,000 of coverage which can be increased up to $5,000.

Vacant Property

Insuring a vacant home or rental property can be a challenge. We have a policy designed just for it.
The insurance requirements for a vacant home are different than an occupied home. American Modern® has solutions for a vacancy of several months or just a few weeks.

For a vacancy of up to a year, purchase a special policy

  • Named peril protection – Your policy covers those causes of loss listed by name in your policy documents (fire, lighting, wind, hail, explosion, and others). It covers the essentials, but not everything.
  • Actual cash value loss settlement – For a total or partial loss, we settle at the actual cash value (ACV) of the loss, which takes depreciation into account when settling your claim.
  • Term – We write 3-, 6- and 12-month policy terms.
  • Eligible home types
  • Home should be in fair or better condition, showing proper maintenance
  • Up to four-family construction, with no age restriction
  • Valued up to $500,000 (most states > $1M in a few)
  • Renovations in process are accepted without surcharge

Shorter vacancies can be handled with an endorsement

Golf Cart

If you take your golf cart off your own property, protect yourself with a genuine golf cart policy. Golf carts are no longer limited to the course. They are driven around communities and on the farm.

Three coverage options

  • Full coverage – You are covered for your liability, plus collision damage and comprehensive losses to your cart. With full coverage you can add options to your policy.
  • Liability plus comprehensive – Comprehensive coverage includes protection for theft or damage to your cart resulting from causes such as fire or weather, but not collision.
  • Liability only – You are insured for just the liability requirements of your state. Physical damage coverage to the cart is not part of the policy.

Pet

Provide your beloved companion with affordable coverage for accidents and Illness, plus optional wellness care. Pet insurance protects your dog or cat against costly accidents and illnesses by reimbursing you for veterinary and emergency bills.

With pet insurance, you never have to choose between an expensive treatment and your pet’s life. Protect your four-legged family member with a custom Pet Insurance plan today.

Full-Time Home

This program welcomes homes other carriers do not accept due to location, value or past claims. If your house is too far from a fire station, is older, or is valued differently than the neighborhood average, this program may be a good solution for you and your home.
Coverage highlights

  • Named peril protection – The policy covers those causes of loss listed by name in the policy documents (fire, lighting, wind, hail, explosion, and others). It covers the essentials, but not everything. The list can be expanded with the optional Enhanced Coverage endorsement.
  • Actual cash value settlement – Losses are settled for the actual cash value (ACV), which takes depreciation into account. In many states we offer upgrades to full repair cost coverage or replacement cost coverage.
  • Liability – You are covered if an injury occurs to someone while on the premises, or if you accidentally injure someone or damage property away from your home.
  • Personal property – Your personal belongings are protected on an actual cash value basis if the home suffers a covered loss.

Snowmobile

Protect your fun in the snow with full coverage available in ten Midwest and Northeastern states. This policy automatically meets a state’s minimum coverage requirements. If you ride beyond our northern border, your coverage extends into Canada.
Coverage is written in these states

Connecticut, Maine, Michigan, Minnesota, New Hampshire, New York, Pennsylvania, Vermont and Wisconsin.
Three coverage options

  • Full coverage – You are covered for your liability, plus collision damage and comprehensive losses to your snowmobile. With full coverage you can add options to your policy.
  • Liability plus comprehensive – Comprehensive coverage includes protection for theft or damage to your unit resulting from causes such as fire or weather, but not collision.
  • Liability only – You are insured for just the liability requirements of your state. Physical damage coverage to the machine is not part of the policy.

Contact your America’s Choice Insurance Partner representative for more information on all of the great insurance products offered by the American Modern Group.

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