Personal Lines
Dwelling | Motor Home / Travel Trailer| Mobile Home
Motorcycle | Jet Ski / Watercraft| Elite Collector Car

Click here at access American Modern's modernLink system to quote, bind, issue online

Dwellings / Home owner - Dwelling
Homeowner coverage can be placed from a minimum value of $20,000 to a maximum value of over $1 million.  All homes must be well maintained with pride of ownership.  Updates on wiring are required and no Knob & Tube wiring is accepted
Dwelling coverage can be written on rental, seasonal/ secondary  and vacant dwellings.  Values are actual cash value up to $150,000.  We have a alternative market for rental and seasonal dwellings  for $300,000 and over.  Wiring updates are required and no Knob & Tube wiring.
All risks are looked at individually based on information submitted on our Dwelling Quick Quote Sheet to determine acceptability for quoting.
Elite Collector Auto Program - Auto & Watercraft
Program Guidelines - Download Now

Antique, classic, collectible, custom, exotic, and street rod vehicles all can fit into our program as long as they are collectible, clean and original or restored.

This program is designed for autos that are owned by an individual and used primarily in exhibitions, club activities, parades, other functions of public interest and the occasional pleasure ride

Drivers for this program must be at least 26years old with a clean driving record to qualify for our program.  If you have a car you want us to take a look at, submit one of our Collector Car Quote Sheets

Mobile Home
Our markets can place coverage up to $125,000 for well-maintained manufactured homes in good condition showing pride of ownership.  Coverage is also available on a by-line basis for homes on larger pieces of property, owners with multiple animals or other special circumstances.  Our markets can write policies for the following mobile home uses:
bulletSecondary / Seasonal
bulletTenant (HO4)
bulletCommercial (Limited)

Complete an online Mobile Home Quick Quote Sheet to receive a quote from Both our markets!

Motor Home / Travel Trailer - Motor Home
Whether for pleasure, full timer, limited rental or commercial full time rentals, we have various programs available with the following optional coverages:
bulletUnit values up to $300,000
bulletUnit replacement
bulletFull timer live in / travel packages
bulletCoverage for units over 15 years old
bulletSR-22 filings
Submit one of our Motor Home / Travel Trailer Quick Quote Sheet for a quote today
Motorcycles - Auto & Watercraft
We have a motorcycle program to meet all of your needs from a Harley Davidson to high performance bikes and ATVs.  Our Harley Davidson preferred program and out Tourider program offer discounted rates for the older, experienced driver with good driving records.

For drivers and motorcycles that do not qualify for the above programs, we have other programs with include coverage for high-performance bikes and ATV's

Try our online Motorcycle Quick Quote Sheet to see what program your bike fits in.

Jet Ski / Watercraft - Auto & Watercraft
We have a personal watercraft / Jet Ski program  that offers package coverage which includes Jet Sport Liability for operators 16 years of age with valid driver's license.

We also have a watercraft program for boats up to 60' with values up to $100,000.  (Higher limits can be submitted for approval)  All watercrafts must be well maintained. in good condition,  new or recently insured and all operators must be at least 16 with a valid driver's license.

Please submit any watercraft application for a quote