American Modern | Homeowners Insurance

American Modern Homeowners Insurance
4.5
Protect your home with flexible coverage tailored for modern living and peace of mind.

Average Premium

  • $300k dwelling coverage $2150 / year
  • $750k dwelling coverage $4200 / year

Coverage States

Rates by Dwelling Limit

Specific premium data is not available here. Insurance pricing relies on proprietary factors that vary by property, coverage, and risk. Since these details shift, figures provided are general estimates rather than individualized quotes. To obtain a price tailored to your unique situation, we recommend contacting the insurer directly or visiting their official website to receive an accurate, personalized quote today.

Pros & Cons

Pros
  • Provides insurance for applicants turned down by standard homeowners policies
  • Maintains an A+ (Superior) financial strength rating from AM Best
  • Part-time protection offered for vacation properties and rental units
Cons
  • Coverage options might be restricted by location, home age and value, or other considerations
  • Replacement cost coverage unavailable on certain full-time policies
  • Customer support not accessible 24/7

Discounts

  • Association membership: If you belong to a qualifying homeowners association, you may be eligible for a discount.
  • Claims-free discount: If you go at least three years without filing a claim, you may qualify for a reduced premium.
  • Senior discount: American Modern may provide discounts to policyholders who are 50 years of age or older.
  • Fire and security discounts: Having smoke detectors, burglar alarms, or other security features such as deadbolts could make you eligible for a discount.

Details

  • Customer service: 1-800-543-2644
  • Claims: 1-800-375-2075
  • Website: amig.com

More Insurance Options

  • Renters Insurance
  • Home Warranty