If you have customers with manufactured homes, including tiny homes, you know two things: good coverage is not as easy to find as it once was, and this niche market for housing has special requirements. Your customers look to you to protect their home, regardless of how it’s built. For more than 50 years, American Modern has protected customers with a stated value loss settlement, full coverage, flexible usage and age standards, and discounts.
When to write
- Owner-occupancy, rental or seasonal
- No age limit, even pre-1976
What’s eligible
- Single-family home
- Single-wide, double-wide, modular, tiny home
- Values up to $300,000
- Fair condition or better
Important options
- Personal property
- Personal or premises liability from $25,000 to $500,000
- Water backup from drain or sump pump overflow
- Other structures
- Enhanced coverage (increases limits)
- Equipment breakdown
- Golf cart physical damage and liability extension
Included coverage
- Open peril protection
- Stated value settlement for a total loss
- ACV for partial loss with option for full repair or replacement cost (age limit requirement)
- Water damage at 100% for owner-occupancy, can buy-down
- Vandalism
- Theft
- Emergency removal
- Builder’s risk
Other programs to consider
If the home is vacant, it can be placed in American Modern's Dwelling Basic program.
Tiny Homes have most of the same options as Manufactured Homes.
This product or individual options may not be available in all states. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions. A complete Program Manual can be found under the Forms tab in AMsuite.
Available in the Following States
- Arizona
- Idaho
- Iowa
- Minnesota
- Montana
- Nebraska
- North Dakota
- Oregon
- South Dakota
- Washington
- Wisconsin
- Wyoming
