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AMERICAN MODERN Manufactured Home 

The Essentials

Once you and your agent have defined your situation, customize your package with these coverage limits and options.

Comprehensive. Beyond protecting the home itself, comprehensive coverage adds equipment and fixtures that were part of the home when first built or purchased from the dealer, including detached garages and sheds.

Personal Property. Choose actual cash value or upgrade to replacement cost coverage for your personal property.

Personal Liability. You could be held liable for an accident that causes property damage or bodily injury to another person. If included in your policy, we pay for the damages incurred and legal representation.  

Medical Payment to Others. If someone is hurt while on your property, we will pay for their medical needs up to policy limits.

Enhanced Coverage Endorsement.* For a primary residence, our policy may offer, or automatically include:

  • Higher limits for special personal property (jewelry, heirlooms, etc.), additional living expenses, debris removal, food spoilage and more.
  • Recharge your fire extinguisher if used to fight a fire.
  • We will pay a reward for information leading to a criminal conviction for arson or vandalism.

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