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AL, AK, AZ, AR, CA, CO, CT, DE, DC, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
Available states
24/7 claims
Online quotes
New home discount discount | No |
---|---|
New homeowner discount | No |
Home safety features discount | No |
New policy discount | No |
Bundling discount | No |
No claims discount | No |
Other discounts | No |
Personal property coverage | Yes |
---|---|
Valuable personal property | No |
Theft coverage | No |
Fire coverage | No |
Flood coverage | No |
Identity theft coverage | No |
Homesharing | No |
Dwelling coverage | Yes |
Review by
Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.
American Modern’s main draw is that it might accept homeowners or homes involving a high-risk situation, such as older homes or those with previous claims. Its mobile home policies also offer wide protection that could pique your interest too.Â
While American Modern covers all the basics and offers helpful add-ons if you need them, other home insurance companies include benefits in their standard policies. Those benefits may lower your premium compared to a policy with American Modern, so weigh your options to make sure you’re getting the best deal.
American Modern keeps a healthy list of coverage with important details to note like named peril coverage for your home. It protects you for:
The company offers several options to boost your home’s coverage, including:
American Modern doesn’t mention any discounts on its website or online application. The company likely discounts your rate if you haven’t made claims in the past three years and if your home includes safe features and construction.
American Modern gives you a simple application, so you can get back to everyday life activities faster. After submitting an online form, expect to hear back from a representative within two business days.
You’ll need a handful of details to complete your application, including: