American Modern
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
American Modern continues to position itself as a specialty-market carrier for hard-to-place residential and recreational risks, with quoting centered in AMsuite/AMsuite+. For Home, current agent-facing guidance emphasizes broader acceptance where standard HO-3 markets may decline due to age, claims, occupancy or location concerns. Residential appetite includes owner-occupied and seasonal homes through Homeowners FLEX; single- or two-family risks with no age restriction and average condition or better are highlighted for FLEX. The broader residential platform also promotes solutions for vacant, rental, seasonal, manufactured, duplex, 3- and 4-family, and other nonstandard homes, subject to state/program rules. Practical preferred/responsive business includes homes with age/location challenges, seasonal/vacation homes, short-term rentals with rental terms as short as 7 days, multiple rental units on one policy (up to 20 homes except CA/NC/NY), unconventional construction such as geodesic/log/straw bale/floating/tiny/factory-built, homes in high protection classes including 9 and 10, large acreage, LLC/corporate/estate ownership, and risks with limited prior claims history. Dwelling Basic is promoted for renovation risks, held-for-sale homes, between-tenant rentals, low-value homes (typically from $5,000), fair-condition homes where issues are cosmetic/repairable, flat roofs, standalone structures, fuse boxes, and wood-stove primary heat. Notable residential restrictions/limitations shown in current materials: FLEX is for average condition and better and owner/seasonal occupancy; vacant homes should be redirected to Dwelling Basic; mandatory exclusions include roof cosmetic damage and swimming-pool slide/diving-board liability exclusion; knob-and-tube wiring is not accepted in the Dwelling Basic context; pool risks require fencing and loft gates; animal liability can be excluded to make an otherwise acceptable home work; all products/options vary by state and require program-manual review for definitions, limits, conditions, limitations and exclusions. For Boat/Watercraft, current agent guidance targets most well-maintained pleasure craft up to 27 feet, including ski boats, sailboats, bass/walleye, runabouts, pontoons, sportfisher, performance boats, and personal watercraft, with speeds up to 90 mph and insured values up to $1 million. Larger watercraft are segmented out: vessels 27–64 feet and houseboats up to 100 feet go to the Yacht program. Available coverage structures include full coverage or liability-only; standard included features highlighted are Protection & Indemnity, under/uninsured boaters, fishing gear, $2,500 personal effects, emergency assistance/towing, accidental fuel spill, haul out, medical payments, and pet protection, with options such as hull damage, extended parts replacement, bow-to-stern protection, and trailer physical damage. Submission/broker notes: American Modern states underwriting requirements are built into AMsuite; if the system gives an alert or underwriting exception, agents should submit to underwriting with supporting details. System help pages indicate quotes may route to a managing agent or home office based on authority, comments should explain why the risk merits approval, and submitted quote review commonly runs about 24–48 hours. Watercraft FAQ guidance also indicates that if American Modern requests missing information, the producer generally has five business days before a quote is declined or a policy canceled. Operationally, agents should use AMsuite+/AMsuite to start quotes, consult the applicable program manual before binding, and monitor the separate catastrophe binding-restriction page. Current binding restriction guidance applies across states during potential natural catastrophes and temporarily prohibits new business issuance, coverage changes, deductible changes, and rewrites in threatened areas; renewal processing is not affected, and exceptions require company-underwriter review (with a Maryland-specific note referencing COMAR 31.08.12.04).