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 positions itself as a specialty personal‑lines market focused on non‑standard or unique residential and recreational risks written through appointed agencies on the AMsuite platform. Product availability and specific terms vary by state and by an agency’s authority level; producers are directed to consult state‑specific product manuals and comparisons in the AMsuite Forms library for full eligibility and rating rules. Preferred / target business - Residential: - Dwelling Basic – Named peril/ACV program designed for broad flexibility in occupancy, age, and condition of property, including risks that may not qualify for standard HO markets. Up to 30 properties (mix of Dwelling Basic and Dwelling Special) can be scheduled on one policy, appealing to small real‑estate investors and owners of multiple dwellings. - Dwelling Special – DP‑3 style program for vacant property, rental property, and seasonal homes with all‑risk/replacement‑cost coverage. Easily switches between rental and vacant occupancies, supporting properties that change use over time. - Homeowners – Packaged HO coverage for customers who do not need or do not qualify for a traditional HO‑3, with options to upgrade for water damage, theft, and service‑line failure. - Manufactured Home – Long‑standing flagship program redesigned to allow more customized coverage for manufactured homes; up to 25 units can be written on a single policy, supporting small portfolios or park‑style exposures. - Condominium – HO‑6 product for rental and seasonal condos, including units held in the name of an individual, family, or single‑purpose LLC; premises liability extends to property managers, making it attractive for landlord and vacation‑rental scenarios. - Recreational: - Boat – Broad appetite for most boat types, with particular focus on bass and walleye boats, personal watercraft, and antique vessels. Positioned as a go‑to market for mainstream and niche watercraft risks with streamlined quoting that minimizes routine underwriting referrals. - Yacht – Customizable yacht coverage for vessels 27 feet or longer and up to about $1M in value, including ownership by individuals, trusts, LLCs, or corporations. Up to four shared owners allowed, targeting jointly owned pleasure craft and higher‑value personal yachts. - Collector Vehicle – Updated classification and modification system to simplify quoting for agents who do not specialize in collector cars, indicating an appetite for a broad range of collector and hobby vehicles. - Motorsports – Expanded motorcycle program including customs, antiques, snowmobiles, and lower‑speed electric vehicles; pricing is tuned for competitiveness in recreational and powersports segments. Restricted / declined risks (operational themes) - All products are subject to underwriting review and approval; American Modern emphasizes that not all risks are available or acceptable in all states. - Higher‑hazard or atypical risks (e.g., very old structures, unusual occupancies, marginal condition, higher liability exposures) may still be considered but are more likely to require review, supporting their role as a market for non‑standard or hard‑to‑place personal lines. - Specific declinations, such as prohibited dog breeds, roof conditions, or age‑of‑home limits, are governed by product manuals and comparative grids accessible via the AMsuite forms library and are not spelled out on the public product‑improvement page; producers must reference those manuals for concrete acceptance criteria. Geographic and availability notes - Product availability, coverage options, and discounts vary by state and by the channel/authorization under which an agency writes with American Modern. Some residential and recreational offerings may not be filed or open in every jurisdiction. - Texas‑specific comparison documents are called out for key residential products, indicating state‑specific program differences that may also exist in other states. Submission and workflow expectations - Quoting and policy issuance are done through AMsuite, which embeds underwriting rules and editing logic to generate quick, accurate quotes and limit the need for manual underwriting contact on ordinary submissions. - Agents are expected to review product comparison documents and product summaries to understand coverage differences when converting or placing business, then consult full product manuals for binding requirements, eligibility, and rating factors. - When risks trigger exceptions or fall outside automatic rules, quotes route either to the agency’s designated underwriting authority or to American Modern’s home office for review, with typical decisions targeted within 24–48 hours for submitted quotes (per AMsuite workflow help content). Agents must track quote status and complete issuance after approval. Broker / producer notes - Access is limited to contracted agencies and producers; the AMsuite Resource Center and product materials are positioned as agent‑facing resources to help explain coverages to customers and support training. - American Modern emphasizes training paths, webinars, and job aids to keep producers current on appetite, product features, and process, and directs agencies to the AMsuite Forms library for up‑to‑date manuals and state‑specific rules. - The carrier describes itself as supportive of agents in handling “unique risks” across residential and recreational lines and encourages contacting their support center for help with quoting or product questions. Overall operational takeaway: American Modern remains a specialty personal‑lines market for non‑standard residential property and recreational risks, with broad flexibility on occupancy and property condition, multi‑location scheduling options for investors, and a wide recreational appetite (including most boats/Yachts and motorsports). Producers should rely on AMsuite’s embedded rules, product comparisons, and manuals for specific underwriting criteria, and anticipate home‑office review for risks that fall outside automated parameters or that require exceptions.