A home may be in great shape, but because it's too far from a fire station, or is an older home, or has a valuation different than the neighborhood average, you may have a challenge finding a solution. Our specialty homeowners program fills the middle ground between basic and comprehensive coverage - protecting not just the structure, but also personal possessions and liability exposure.

Available: MA, ME, NY, PA

Rating Portal: AMIG Modernlink

Home eligibility:

  • Single or two-family construction
  • No age restriction, unless a row or town home.
  • Average or better condition, showing proper maintenance
  • Full-time, owner-occupied residence or a seasonall-used home

Special Coverages and limits:

  • Named peril protection. The list can be expanded with optional Enhanced Coverage endorsement
  • Personal property (can be replacement cost in some states)
  • Liability
  • Other structures
  • Additional living expenses
  • Reasonable expenses
  • Limited burglary
  • Actual cash value loss settlement. Many states offer upgrades to full repair cost or replacement cost coverage

Optional Coverage:

  • Enhanced coverage for additional causes of loss
  • Full repair cost loss settlement, or RC
  • Water backup
  • Breakdown protection
  • Hobby farming
  • Ordinance or law
  • Scheduled personal property
  • Service line - $10,000 limit
  • Water damage

Discounts available (ME only) up to 10% total:

  • Approved association memebership
  • Auto policy with agent
  • Insured aged 50 and older
  • Multiple policies with American Modern
  • No claim in the past 3 years
  • Paperless documents
  • Paying in full
  • Policy in effect 5 years or more

* Alarm discounts available in all states


pdf Specialty Homeowners MA (45 KB)

pdf Specialty Homeowners ME (44 KB)

pdf Specialty Homeowners NY (42 KB)

pdf Specialty Homeowners PA (43 KB)

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This website is for the insurance professional only. It is provided for the convenience of the insurance agent, broker, CSR and other insurance agency employees.

If you are an individual or business looking to purchase insurance you must contact your local retail agent for additional product information.