American Modern
American Modern is a specialty insurer for property situations that may not fit standard homeowners markets.
What they are known for
American Modern focuses on residential and specialty property: specialty dwelling, seasonal and rental homes, manufactured homes, and recreational exposures where verified. It is valuable when a standard home market does not work.
When we may consider American Modern
We may compare American Modern when a home or property does not fit a standard homeowners carrier, such as a seasonal, rental, vacant, or manufactured home.
Good to know before you choose
American Modern is a specialty market, not a one-size standard home carrier, and it does not solve every hard-to-place risk. Availability depends on the property and state.
Explore related coverage
Service and claims
This page is about market access, not policy service. For claims, billing, or payment contacts, use the Carrier Directory, or start a request in the Service Center.
Vantage Point Risk is an independent insurance agency. Carrier availability, coverage options, eligibility, pricing, and underwriting decisions vary by state, coverage type, business operations, property details, claims history, and carrier appetite. Mention of an insurance company does not guarantee availability, appointment status, eligibility, or placement with that company.
Not sure which company fits your situation?
The right carrier depends on your operations, your property, your history, and your goals. Tell us about your risk and we will match it to the market that fits.