American Modern Home Insurance Review (2023)

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.

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