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    Dwelling Special

Dwelling Special

Homes that aren’t used all the time still need protection—but maybe not as much. Standard homeowners insurance may not work for seasonal, rental, or vacant properties. Don’t worry; you can still find the coverage you need.
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

“All risk” for dwelling and other structures and named peril for personal property

Plenty of extras and options

Liability for injuries on the property, personal property, burglary, theft, water damage, mold remediation, rental, identity theft recovery, and more

Discounts that build savings

10 possible discounts could save you 20% or more

Dwelling Special at a glance
With American Modern, you choose what matters to you. Because every home is special.
How you’re covered:
  • Coverage includes replacement cost for dwelling and other structures; modified functional replacement cost is an option for older homes
  • Includes actual cash value for personal property; replacement cost is an option
Included coverage:
  • Other structures on the property, reasonable repairs, debris removal, and additional living expenses
  • Fair rental value, fire department surcharge, water damage, and mold remediation
Enjoy extra options:
  • Liability for injuries on the property, personal property, water damage, burglary, and theft
  • Short-term (less than three months) and occasional rental, identity theft recovery, home equipment breakdown, and more
You should know:
  • This coverage is well suited for a vacation home that may need less extensive coverage than a full-time residence
  • Coverage is not packaged, so you can customize
Dwelling Special at a glance
We cover properties in many shapes and sizes
  • No age restriction
  • Above average condition or better
  • Values from $75K up to $1M (range varies by state)
  • No age restriction
  • Above average condition or better
  • Values from $75K up to $1M (range varies by state)
  • No age restriction
  • Above average condition or better
  • Values from $75K up to $1M (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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