American Modern^® insurance

Protecting your vacant home

You inherit a property, move away before your house is sold, or relocate for a renovation – what could go wrong, right? It’s good to know our solutions answer the call, even when nobody’s home.

Vacant home solutions

The house may be empty, but you still have coverage choices. Take a look and ask your agent what’s best for you.

Homeowners For homes in average condition or better, worth $50-$500K, and covering any age 1- to 2-family owner-occupied and seasonal homes.	Homeowners FLEX^® For homes in average condition or better, worth $50-$1M (range varies by state), and covering any age 1- to 2-family owner-occupied and seasonal homes.
Dwelling Special For homes in above average condition or better, worth $75K-$1M, and covering any age seasonal, rental, and vacant homes. Owner-occupied available in limited states.	Dwelling Basic For homes in fair condition or better, worth $20-$500K (range varies by state and vacancy), and covering up to 4-family any age owner-occupied, seasonal, rental, and vacant homes.
Manufactured Home For homes in fair condition or better, worth $5-$300K, and covering owner-occupied and seasonal homes in park or on private land.

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.