American Modern

Occupancy: owner, rental, seasonal, vacant, tenant
Home: no age limit, single family, multi-sectional, modular, tiny home
Coverage: comprehensive causes of loss – stated value settlement for total loss – ACV for partial loss – upgrade to full repair, replacement or extended replacement cost for homes 30 years of age and newer – ACV settlement for personal property, upgrade to replacement cost.
RC available on any aged home in CA
Coverage A limits of $300k in AZ and up to $500k in CA
Optional Endorsements like Golf Cart, Mechanical Breakdown
100% Water Damage Coverage
In AZ, can schedule up to 25 Units on 1 Personal Lines Policy

Occupancy: owner, seasonal
Home: no age limit, 1- to 4-family, above average or better condition, up to 3 stories, row homes, flat roof
Value: $75,000 to $1.25M
Commission 10% for most classes
Coverage: comprehensive (all risk) coverage, replacement cost, modified functional replacement cost, extended replacement cost settlement for dwelling and other structures – named peril coverage, ACV settlement for personal property, upgrade to replacement cost
1-2 Family Units
Coverage A Max Value is $1M with $1M Liability Option (both AZ/CA)
Optional Coverage up to 100% Water Damage Coverage

Basic:

All Occupancies (excluding tenant) including Non-Resident
No Age Limit, 1-4 Family Unit, Average to Better Condition – Think Flippers!
Value in CA: Up to $1M, Value in AZ: Up to $300k (Seasonal/Rental/Owner) and $1M for Vacant.
Optional Limited Water & Theft Coverage available
In AZ, can schedule up to 30 Units on 1 Personal Lines Policy

Special:

All Occupancies (Excluding Tenant)
No Age Limit, 1-4 Family Unit, Above Average Condition – Think Airbnb/VRBO!
Value in CA: Up to $1.25M, Value in AZ: Up to $500k for Rental and $1M for (Seasonal/Vacant)
Option to Buy Up to 100% Water Damage Coverage, Service Line and Personal Injury