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 is a U.S. specialty personal lines carrier focused on non-standard residential and recreational risks. For Home, currently published materials emphasize specialty residential placements rather than standard admitted HO-3 business: rental property, vacant property, seasonal homes, manufactured homes, condominiums used as rentals or seasonally, and standard/specialty dwellings depending on program availability. On the AMsuite product page, Dwelling Basic is positioned for named-peril/ACV residential risks with flexibility for occupancy, age, and condition; Dwelling Special is positioned for vacant property, rental property, and seasonal homes with all-risk/replacement-cost style coverage; Manufactured Home allows more customized coverage; and Condominium is limited to rental units and seasonally used homes, with titled ownership accepted in an individual, single family, or LLC, and premises liability extending to property managers. Homeowners FLEX materials indicate state variation and direct users to the applicable program manual for full underwriting details; published Florida guidance specifically notes that all-risk language pertains to dwellings/structures, sub-limits can differ from a standard HO-3, and roof cosmetic damage plus swimming-pool slide/diving-board liability exclusions apply. Availability varies by state and by the agency’s authorization, so brokers should treat manuals/state forms as controlling and confirm appointment authority before quoting. For Boat / Watercraft, American Modern currently markets the program as accepting most boat types, with a stated sweet spot for bass and walleye boats; it also includes personal watercraft and antique vessels. Florida rollout guidance states Boat is for vessels under 27 feet, while Yacht is for 27 to 64 feet; the broader AMsuite product page describes Yacht as 27 feet and longer up to $1M in value, with title accepted in an individual, trust, LLC, or corporation and up to four shared owners. Public boat details also indicate liability plus collision/comprehensive, optional liability-only in some cases, and loss settlement options including agreed value, replacement cost for boats up to 3 years old, and market value/ACV. Submission and producer workflow notes are available: appointed agents quote/issue through modernLINK/AMsuite; watercraft submissions referred to underwriting are stated to be reviewed within 24 hours; if underwriting requests missing information, the producer has five business days before decline/cancellation; MVR/boating experience underwriting for watercraft uses a three-year experience period; and system support is available via the published support line. Practical broker takeaway: target specialty residential risks and mainstream small-to-mid personal watercraft/boat accounts that fall within program structure, expect state-specific availability and underwriting review, use product manuals for binding details and decline triggers, and contact underwriting authority or service center when the risk falls outside granted agency authority or when AMsuite generates a referral.