American Modern Insurance in York, PA
Peiffer Insurance has partnered with American Modern Insurance to provide clients with the best premium rates for all their insurance needs. American Modern Insurance is a great partner to work with because it has a reputation for providing a wide range of insurance products to homeowners who cannot find adequate coverage from other mainstream insurance companies.
About American Modern Insurance
American Modern Insurance is a highly regarded specialty insurance company providing home insurance shoppers with the best available premiums on the market with a strong reputation and better customer service reviews than most other specialty insurers. American Modern Insurance has excellent financial ratings too. It also has an A-plus rating from A.M Best, which means the company has a strong financial standing and that customers can deal with a company without worrying about its inability to pay their future claims.
American Modern for Homeowners Insurance
American Modern Insurance provides homeowners' coverage specifically for selected dangers to your home and personal property that are not likely to find in other homeowners’ insurance companies. Their coverage focuses on properties that are susceptible to more risks than traditional homes and therefore not covered under typical homeowners insurance.
For instance, if you have a vacation home that is not occupied for several months in a year, the vacation home is less likely to be damaged by a cooking fire but more prone to storms or other natural disaster damage. It can also suffer more severe damage since no one is available to board up windows and take other precautions before a natural disaster happens.
American Modern Insurance also provides the following particular types of coverage:
- Vacation home insurance for high-end vacation homes that have the same insurance limits as regular full-time homes. Some vacation homes have high value and typically have lower levels of coverage.
- Mobile and manufactured home insurance for manufactured homes that do not qualify for coverage in most standard homeowners' insurance plans.
- Landlord insurance for customers who have multi-unit buildings and rent it out for income.
- Vacant property insurance for homes that have not been occupied for a long time either because they are undergoing renovations or are up for sale.
In most cases, American Modern Insurance deals with clients that have not qualified for a homeowner's insurance policy with other companies. The company, therefore, has specific but minimum requirements for their home insurance products. Their version of a standard homeowner's policy only requires the client's home to be a single or two-family building and to be in average or well-maintained condition. The company does not have a home age limit, which means people who own older homes can still get coverage.
If you are looking for specialized home insurance from a company with solid financial stability and easy-to-meet requirements, American Modern Insurance is an excellent choice.