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    Dwelling Basic

Dwelling Basic

Maybe your home needs a little work and you’re having trouble getting full coverage. Or maybe you just want the essentials. For one property or several on the same policy, we’re happy to help.
Need to cover something else? See all of our options.
Coverage highlights
Many property types welcome

Up to four-family construction, up to three stories

Coverage choices

Named peril for dwelling, other structures, and personal property

Plenty of extras and options

Liability for injuries on the property, personal liability, personal property, vandalism, burglary, and more

Discounts that build savings

10 possible discounts could save you 20% or more

Dwelling Basic at a glance
At American Modern, basic doesn’t mean bare minimum. You still have plenty of choices.
How you’re protected:
  • Coverage includes actual cash value for the dwelling and other structures, as well as personal property
  • Full repair cost for dwelling and structures is an upgrade
Included coverage:
  • Basic dwellings and other structures, such as sheds and garages
  • Reasonable repairs, debris removal, fair rental value, and fire department surcharge
Enjoy extra options:
  • Personal liability, liability for injuries on the property, and personal property 
  • Vandalism, burglary, theft
  • Water damage, short-term (less than three months) and occasional rental, identity theft recovery, coverage for a building under construction, home equipment breakdown protection, and more
You should know:
  • This flexible coverage makes it easy to insure many types of occupancies and structures and protect you from loss
  • The property coverage has up to 10 available discounts, which could help you save 20% or more
Dwelling Basic at a glance
We cover properties in many shapes and sizes
  • No age restriction
  • Fair condition or better
  • Values up to $300,000 ($1M for vacant); range varies by state
  • No age restriction
  • Fair condition or better
  • Values up to $300,000 ($1M for vacant); range varies by state
  • No age restriction
  • Fair condition or better
  • Values up to $300,000 ($1M for vacant); range varies by state

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Agents can answer your questions, explain any requirements, and provide a quote. Use our search tool to find one near you.
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We are here to assist you Monday through Friday, between the hours of 8 AM and 8 PM, EST.
Customer service phone +1 (855) 469-2644
Customer service phone
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Customer Service Email servicecenter@amig.com
Customer Service Email
servicecenter@amig.com
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Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may vary or not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including but not limited to American Modern Property and Casualty Insurance Company (CA Lic. No. 6129-1).

American Modern Insurance Group, American Modern, AMsuite, modernLINK, and Homeowners FLEX are registered trademarks of American Modern Insurance Group, Inc. All other names, logos, and brands described herein are trademarks or registered trademarks of their respective holders, and use herein does not imply affiliation with or sponsorship or endorsement by them of American Modern, its products, or its services.

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