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)