A Simple Guide to American Modern Mobile Home Insurance

Mobile homes, also referred to as manufactured homes, are wonderful, mobile options for affordable living. They are designed to be cozy and comfortable, perfectly suited to those looking for a more streamlined lifestyle. However, insuring your mobile home is something that is often overlooked, which can lead to undesirable outcomes.

Amidst the diverse options of insurance policies available, American Modern stands out in the industry, specifically for their policies on mobile homes. This guide will cover everything you need to know about American Modern mobile home insurance.

What is American Modern Mobile Home Insurance?

American Modern Insurance Group is a specialty insurance company that provides coverage for mobile homes, and other types of unique properties. They started their business in 1965, and since then, have become one of the largest insurers of mobile homes in the United States.

Their policies are meant to protect your mobile home from unexpected circumstances like theft, damage, and other hazards that may come your way. With an American Modern mobile home insurance policy, you can rest easy knowing that your property is protected by one of the most reliable insurers in the industry.

What Does American Modern Mobile Home Insurance Cover?

Generally, American Modern mobile home insurance policies are designed to cover a great deal of potential losses, including:

Loss or damage to the mobile home, including the attached structures, like patios or decks
Theft or vandalism of the mobile home or its contents
Liability coverage for those who may be injured on your property
Personal property coverage for your belongings
Additional living expenses if the mobile home becomes unlivable due to damage or other hazards
Emergency repairs needed to ensure the safety of the home or its inhabitants

What Are the Benefits of Choosing American Modern Mobile Home Insurance?

Expertise and Experience

American Modern has been in the mobile home insurance business for over 50 years, so they definitely know what they’re doing. They have earned the trust of customers by providing quality insurance policies and offering tailored solutions based on unique circumstances.

Flexible Payment Options

American Modern understands that everyone’s financial situation is different. That’s why they offer flexible payment options, with payment methods ranging from monthly to annually. This makes it easy for those who cannot pay a lump sum upfront.

Comprehensive Coverage

What sets American Modern apart from others is its comprehensive coverage that includes protection against perils like fire, theft, and even falling objects. They also cover damages caused by other factors like smoke damage and lightning, giving you peace of mind in case of a disaster.

How to Get American Modern Mobile Home Insurance?

Getting an American Modern mobile home insurance policy is easy. All you have to do is follow the instructions below:

1. Get a Quote

The first step is to get a quote. You can get an online quote on their website or contact their customer service agents to get a personalized quote suitable for your needs.

2. Provide Information About Your Mobile Home

The next step is to provide information about your mobile home, like its age, size, and location. You may also have to provide information about any previous claims, if applicable.

3. Choose Your Coverage Levels

Based on the quote provided, you can choose the coverage that suits you best. American Modern offers several coverage options, ranging from basic to comprehensive plans.

4. Sign the Contract and Make Payment

Once you’ve chosen your coverage levels, you can sign the policy agreement and make payment. You can choose a payment plan that suits you best, pay for the policy monthly or annually.


1. How much does American Modern Mobile Home Insurance cost?

The cost of insurance depends on several factors, like the value of your property, your location, and coverage levels. You can get a quote online or contact a customer service representative for more information.

2. Does American Modern Mobile Home Insurance cover flood damage?

Depending on your policy, American Modern could cover flood damage. However, it’s always best to check to see if flood damage is included in your policy because it is not covered by all policies.

3. Is there a waiting period once you become a policyholder?

Some policies have specific waiting periods. This means that if your mobile home is damaged or stolen within a certain time frame after taking out the policy, you will not be covered. However, it is generally a good idea to check with your insurance provider to clarify any waiting periods.

4. Can I make changes to my policy?

Yes, you can make changes to your policy. You may contact the customer service team to discuss any changes you may need to make, and they will work with you to make them happen.

5. How long does it take to file a claim?

The time it takes to file a claim varies. However, most claims can be filed online or by phone, and the process should take between 24 to 48 hours.

In conclusion, American Modern mobile home insurance is a great option if you’re looking for reliable coverage. Their policies are designed to protect your mobile home against unexpected perils, and their customer service team is always available to help you.”