American Modern

California Residential Products

Manufactured Home
  • 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
Homeowners
  • 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
Dwelling Fire

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
Condo
  • In CA, Offer Owner, Seasonal and Rental (Short and Occasional Terms)
  • In AZ, Offer Seasonal and Rental (Short and Occasional terms)
  • Coverage A Limits $500k and 100% Water Damage Coverage Included
Additional Information
  • Short-term rental coverage
  • 3 Prior losses acceptable
  • Any Age Home Including Those Without Updates
  • Extended Replacement Cost
  • Direct Bill
  • LLCs, Trust/Deeds are Acceptable as Primary Named Insured
  • Writes in All Protection Classes