Make a Payment | Online Services Login | Blog | Just for Agents HOME / INSURANCE / HOME INSURANCE Home Insurance Some homes are made for American Modern® insurance—especially those that need the kind of coverage that our specialty insurance provides. There are many reasons why a standard insurance company may not accept your home, or may price it higher than you think is reasonable. It might be because of past claims, its age, size, or value. These circumstances are rarely challenges for American Modern. We offer two programs for a full-time residence, either single-family or two-family. Both solutions present a bundle of protection that protects the structure, and also covers your personal possessions and liability exposure. Which program is open to you depends on your state. In some states we offer Homeowners FLEXSM which is comparable to a typical Homeowners policy.* Open peril protection – Your cause of loss is covered unless the policy document specifically excludes it. Replacement cost settlement – There is no deduction for depreciation in determining the value of the loss. In other states we offer a program simply called “Homeowners” that supports homes that may have a challenge getting insurance coverage because of its age or location. Named peril protection – The covered causes of loss are listed in the policy. Actual cash value (ACV) settlement – Depreciation is deducted from the settlement total. Ask your agent which coverage is right for your home and location—and how to customize it for a perfect fit! Want more information or a quote? Your agent can answer your questions and get you a quote. Looking for an agent? Use this search tool to find one near you, or call us at 866-884-6167. * Please refer to the applicable Homeowners FLEX Program Manual for complete details. Different sub-limits may apply that vary from a standard HO-3 policy. All risk pertains specifically to dwellings and structures. Roof cosmetic damage exclusion and swimming pool slide and diving board liability exclusion apply. Quick Links Find an agent for a quote Current customers Learn More Check out American Modern's LivingWise. It's inspiration, information, and innovation for smart, secure, and sustainable living. Keep reading Tweet Home Customer center Make a payment File a claim Change your policy Manage your account Insurance solutions Mobile home Vacation home Collector car Motorcycle Snowmobile Full-time home Vacant property Boat ATV & UTV Pet Health Rental property Condominium Yacht Golf cart Company overview Newsroom Media resources Management team Careers Company values Company history Campus directions Contact us Adjuster training Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may vary or not be available for all risks or in all states. Rates, discounts vary, are determined by many factors, and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including but not limited to American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No. 2222-8) and American Modern Property and Casualty Insurance Company (CA Lic. No. 6129-1.) American Modern Insurance Group, American Modern, AMsuite, modernLINK, and Homeowners FLEX are trademarks or registered trademarks of American Modern Insurance Group, Inc. All other names, logos, and brands described herein are trademarks or registered trademarks of their respective holders, and use herein does not imply affiliation with or sponsorship or endorsement by them of American Modern, its products, or its services. Corporate office | 7000 Midland Blvd. | Amelia, OH 45102 | webinfo@amig.com Mailing address | PO Box 5323 | Cincinnati, OH 45201-5323 © 2021 American Modern Insurance Group, Inc. All rights reserved. Privacy policy | Legal disclaimers | Notice of information practices