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    Homeowners

Homeowners

It was just a house until you made it a home. When your home’s age, value, or claim history get in the way of getting coverage, we can help you get the coverage you need.
Need to cover something else? See all of our options.
Coverage highlights
Many property types welcome

Single-family or two-family construction

Coverage choices

Named peril for dwelling, other structures, and personal property

Plenty of extras and options

Enhanced coverage, water backup/sump pump overflow, water damage, theft, service line failure, and more

Discounts that build savings

10 possible discounts could save you 20% or more

Homeowners at a glance
It may not be perfect, but it’s yours. Protect your just-right home with just-right coverage.
How you’re covered:
  • Actual cash value for dwelling and other structures; upgrade to full repair cost or replacement cost
  • Actual cash value for personal property, with an option for replacement cost
Included coverage:
  • Liability, personal property, other structures, and reasonable repairs
  • Debris removal, loss of use (pays additional costs for housing and living expenses), and fire department surcharge
  • Water coverage included at 10% with the ability to upgrade to 100% of coverage
Enjoy extra options:
  • Enhanced coverage (adds collapse, weight of snow/ice, power surge, falling objects, glass breakage)
  • Identity theft recovery, home equipment breakdown protection, service line failure
  • Ordinance or law coverage to rebuild your home if it’s been destroyed and to upgrade it to current codes, theft, water backup/sump overflow
  • Scheduled personal property
You should know:
  • In states where Homeowners is not offered, talk with your agent about what’s right for you
Homeowners at a glance
We cover properties in many shapes and sizes
  • No age restriction unless it’s a row house or townhome
  • Average condition or better
  • Values from $50,000 up to $500,000, with range varying by state
  • No age restriction unless it’s a row house or townhome
  • Average condition or better
  • Values from $50,000 up to $500,000, with range varying by state
  • No age restriction unless it’s a row house or townhome
  • Average condition or better
  • Values from $50,000 up to $500,000, with range varying by state

Talk to an agent

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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Chat with our virtual assistant 24/7. You can check on your claim, get billing details, sign up for EZPay automatic payments, and more.
Customer Service
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
+1 (855) 469-2644
Customer Service Email servicecenter@amig.com
Customer Service Email
servicecenter@amig.com
Don’t see what you need?
Visit our customer support center.
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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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