American Modern has been insuring specialty properties since 1965, and they’ve built their reputation on covering the things most standard carriers won’t touch — manufactured homes, vacant dwellings, seasonal properties, boats, collector vehicles, and motorcycles. Based in Cincinnati and part of the Munich Re Group, they carry an A+ financial strength rating from AM Best. If your property is non-standard or sits in a category most companies decline, American Modern is where independent agents typically turn first.
