American Modern Home Insurance Review [2024]
If you live in a mobile home or are having difficulty finding a new insurance company because of your long claims history, you can buy American Modern home insurance to keep your home safe. American Modern is available in all 50 states and offers additional coverages to protect your primary dwelling and vacation home.
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Diego Anderson
Licensed Real Estate Agent
Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...
Licensed Real Estate Agent
UPDATED: Feb 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- American Modern offers insurance coverage for mobile and other specialty homes
- You must call the American Modern company phone number to get a quote
- You can purchase additional coverages from American Modern to keep your home fully protected
Are you having trouble finding adequate and affordable insurance coverage because you live in a mobile home or have an extensive claims history? If so, you may find that the American Modern home insurance company is the right choice for you. First opened for business in 1965, American Modern actually specializes in mobile home insurance coverage and in protecting individuals who have a history of filing claims.
Even better, this company does business all throughout the United States, so the state where you live won’t pose an issue if you want to buy American Modern home insurance to protect your dwelling.
Keep reading to learn more about American Modern mobile home insurance and discover if this company can help you acquire the insurance coverage that you need.
If you want to compare American Modern home insurance quotes to the competition, enter your ZIP code and get free insurance quotes right away.
What kind of coverages does American Modern home insurance provide?
Although American Modern only offers a slim style of home protection known as HO-2 coverage, you can still get quite a lot of protection for your home with this company. When you purchase a policy with American Modern, you’ll automatically receive actual cash value (ACV) and named perils coverage with your policy. The standard coverage offered by this company also includes:
- Dwelling coverage
- Coverage for other structures
- Coverage for personal property
- Liability coverage
- Additional living expenses coverage
- Coverage for reasonable emergency repairs
But that’s not all the protection that you can get when you give your business to American Modern. You’ll also have access to mechanical breakdown coverage. This type of crucial coverage can help you if repairs need to be made to your electrical system, or other major appliances. You could even get your HVAC system repaired with this coverage.
Now, you must remember that the structure of your home and all the items stored within it will only be covered up to their ACV. For instance, let’s say that you had bought some golf clubs for $500 a few years ago and over time their value had depreciated to $300. If those clubs were destroyed in a house fire, you would only receive $300 to replace the clubs.
If this fact concerns you, there are additional coverages that you could purchase to give yourself some additional peace of mind.
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What optional coverages are offered by American Modern Home Insurance?
It’s said that your home is your castle, so it only makes sense that many homeowners want to purchase as much coverage as possible to protect it. Thankfully, American Modern offers extra coverage options that can help you achieve that goal, like:
- Full repair cost settlement
- Water backup coverage
- Open perils coverage
If you were to buy full repair cost settlement coverage, any depreciation to your home’s structure would be ignored if you ever needed to be reimbursed for repairs. No one wants sewage water flooding their home, but in the event that this ever happened, you could be protected if you had purchased water backup coverage from American Modern. You could even upgrade your policy entirely if you decided to purchase open perils protection.
These are all great coverages to have, but can an individual who lives in a mobile home get protection with American Modern?
Does American Modern offer mobile home coverage?
If you live in a mobile home and want to work with American Modern then you are in luck, but mobile homes aren’t the only specialty homes that this well-established company provides coverage for. You can turn to American Modern if you need:
- Coverage for a vacation home
- Vacant property insurance
- Landlord insurance
While it’s very exciting that American Modern offers all these kinds of coverages and more, can you get affordable American Modern home insurance for your primary dwelling?
How to Get American Modern Home Insurance Rates
When trying to find out which home insurance policy is best for your budget, it’s far more efficient to shop online than to visit one insurance agent’s office after another.
Unfortunately, you can’t get American Modern home insurance quotes straight from the company website. You’ll need to call the American Modern Property and Casualty insurance company phone number. However, once you do secure a quote from the company, don’t hesitate to see how American Modern home insurance rates stack up to the competition.
You can gather a multitude of free quotes online and review them. This strategy will allow you to see which quote best suits your insurance needs and also falls in line with the requirements of your budget. This is especially important since American Modern doesn’t share what kind of discounts are available for homeowners online.
When you shop for home insurance, use this list of common discounts to help you make sure that you are getting the rates you deserve:
- Home security system
- Gated community
- Sprinkler system
- New home
- Fire-resistant construction
- Paid-in-full
- Multi-policy
- Paperless billing
Now, if you do choose to purchase a home insurance policy from American Modern, you will have access to flexible payment plans and can pay your bill online as long as you have your American Modern insurance login information.
It’s important to note that American Modern also has requirements for its applicants.
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What insurance requirements must applicants meet to get coverage?
Applicants who are interested in applying for home insurance with American Modern must own a home that is either a single- or two-family building. Be aware that the structure of your home must be in average or better condition. You must regularly maintain your home.
You must also be sure to pay for your insurance coverage on time. Failing to do so could result in the cancellation of your policy, which would not only leave you vulnerable but could also make buying a new insurance policy more difficult. When you have a lapse in coverage, insurance companies take that as a sign that you could be a high-risk individual, and if another insurance company were to offer you coverage, the rates could be very high.
American Modern Insurance: What You Need to Know
If you live in a mobile home or are having difficulty finding a new insurance company because of your long claims history, American Modern may be able to help you get the coverage that you need to keep your home safe. While it is unfortunate that you can’t request a free quote from the American Modern website, you can still access other free resources online, like customer reviews, to help you pick the right insurance company for you.
Don’t hesitate to find the best coverage for your home.
Enter your ZIP code to get free quotes from insurance companies near you and see if American Modern home insurance can help you with your coverage needs.
Frequently Asked Questions
What is American Modern Home Insurance?
American Modern Home Insurance is an insurance company that specializes in providing coverage for various types of homes, including primary residences, seasonal homes, rental properties, and manufactured homes. They offer insurance solutions to protect homeowners against potential risks and losses.
What types of homes does American Modern Home Insurance cover?
American Modern Home Insurance offers coverage for a wide range of homes, including:
- Primary Residences: Coverage for single-family homes, townhouses, and condominiums that serve as the homeowner’s primary place of residence.
- Seasonal/Vacation Homes: Insurance for second homes or vacation properties that are used for part of the year, such as beach houses or mountain cabins.
- Rental Properties: Coverage for homes that are rented out to tenants, including landlord protection and rental income reimbursement.
- Manufactured/Mobile Homes: Insurance designed specifically for manufactured or mobile homes, providing protection against risks unique to these types of dwellings.
What does American Modern Home Insurance typically cover?
American Modern Home Insurance policies may provide coverage for:
- Dwelling: Protection for the structure of the home, including walls, roof, foundation, and attached structures.
- Personal Property: Coverage for personal belongings within the home, such as furniture, appliances, electronics, and clothing.
- Liability: Protection in case someone is injured on the property and the homeowner is found legally responsible.
- Additional Living Expenses: Reimbursement for temporary living expenses if the home becomes uninhabitable due to a covered loss.
- Other Structures: Coverage for detached structures on the property, such as garages, sheds, or fences.
How can I obtain American Modern Home Insurance coverage?
To obtain American Modern Home Insurance coverage, you can follow these steps:
- Research: Visit the official American Modern Home Insurance website or contact their customer service to learn more about their coverage options and policies.
- Get a Quote: Provide the necessary information about your home, including its location, size, and any specific features, to receive a customized insurance quote.
- Compare and Select: Review the coverage options, deductibles, and premiums offered by American Modern Home Insurance, comparing them to other insurance providers if desired. Select the policy that best fits your needs and budget.
- Purchase the Policy: Complete the necessary paperwork, make the required payments, and officially purchase the American Modern Home Insurance policy.
How do I file a claim with American Modern Home Insurance?
If you need to file a claim with American Modern Home Insurance, follow these general steps:
- Contact American Modern: Notify American Modern Home Insurance as soon as possible after a covered loss occurs. You can usually find the claims contact information on their website or in your policy documents.
- Provide Information: Prepare necessary details about the incident, including the date, time, location, and a description of the damage or loss. Provide any supporting documentation or evidence.
- Claim Evaluation: An adjuster from American Modern Home Insurance will assess the damages and determine the coverage and benefits applicable to your claim.
- Claim Resolution: If the claim is approved, American Modern Home Insurance will work with you to resolve the claim and provide the necessary compensation or repairs.
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Diego Anderson
Licensed Real Estate Agent
Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...
Licensed Real Estate Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.