Personal Lines

Dwelling


Homeowners or Dwelling Fire coverage written through various carriers to provide coverage for:

  • 1-4 Family Owner Occupied
  • Rentals
  • Secondary or Seasonal
  • Vacant
  • Coastal Properties
  • Homes with Day Care
  • Risks with Claim Issues

Coverage includes:

  • Dwelling
  • Other Structures
  • Personal Property
  • Fair Rental Value
  • Additional Living Expenses
  • Medical Payments
  • Residence Burglary
  • Replacement Cost (Contents / Dwelling)
  • Water Back Up
  • Personal Injury
  • Home Day Care
  • Inland Marine Floater
  • Liability up to $1,000,000 for most policies
These are just a sample of the product lines and/or coverages we write. Please contact an underwriter with any specific questions you may have.
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Excess Liability


  • Coverage is excess liability over your primary auto, home, watercraft, recreational vehicle or umbrella policy
  • Follow form over the primary policy
  • Minimum point of attachment for the homeowners is $100,000 CSL
  • Minimum point of attachment for the auto is $100,000 CLS or 100/300/50
  • Minimum point of attachment for the watercraft and recreational vehicles is $300,000 CSL
These are just a sample of the product lines and/or coverages we write. Please contact an underwriter with any specific questions you may have.
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Personal Umbrella


  • Preferred, Standard , Non-Standard and Celebrity programs available
  • Limits up to $10,000,000
  • No retention deductible
  • Excess Uninsured motorist coverage included with a limit of 25/50 with optional limits up to $1,000,000
  • Coverage for an unlimited number of automobiles
  • Coverage up to 15 1-4 Family Dwellings either owner occupied or rentals
  • Coverage for an unlimited number of watercraft up to 26 feet
  • $5,000,000 in coverage for a risk with a DUI in the household for a driver of any age
  • High Risk drivers
  • Professional Athletes, Coaches, Fortune 100 CEOs, Nationally recognized entertainers, best selling authors
  • Most programs available in NY, NJ, MA, CT, DEL, OH, PA, and RI
  • Limits up to $5,000,000
  • 4 rating tiers available for various types of risks
  • Coverage up to10 vehicles and 10 owner occupied residences
  • Coverage up to 5 rental properties
  • Up to 6 moving violations and 3 at fault accidents per household
  • 1 DUI/DWI conviction allowed for operators between ages of 22 and 79
  • Underlying auto limits of 100/300/50 are acceptable (except for households with drivers less than 22 years and 70 yrs and over.
  • Risks with Personal Liability claims less than $26,000 are acceptable
  • Program available in NY, NJ, MA, CT, OH, DEL, PA, MI, NH, RI, VT and FL
These are just a sample of the product lines and/or coverages we write. Please contact an underwriter with any specific questions you may have.
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In-Home Business


RLI Insurance Company targets enterprises engaged in the retail distribution of products and/or services with operations based at the place of residence. Professional Liability is excluded on some classes.

  • Premiums start at $154
  • 140 Classes of business
  • Business Property written on an all risk Business Owners form
  • Business Property limits up to $100,000
  • Coverage for Business Property temporarily off premise
  • Business Liability limits up to $1,000,000
  • Loss of Income
  • Optional money/securities
  • Optional Identity Fraud Expense Coverage
  • Optional Garagekeepers Coverage
  • $250 deductible
  • Policy is direct billed on renewal
  • Program available in NY, NJ, MA, CT, PA, MI, NH, RI, VT, DE, ME, and OH
These are just a sample of the product lines and/or coverages we write. Please contact an underwriter with any specific questions you may have.

RLI Insurance Co.
Peoria, IL

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Manufactured Home


American Modern Insurance Group targets your single and double wide manufactured and modular homes. Coverage can be written on your owner occupied, seasonal, tenant, light commercial and rental units.

  • Comprehensive Coverage / Stated Value
  • Enhanced Coverage Endorsement provides increased special limits on certain types of personal property, increased additional living expense and debris removal. Automatic coverage for owner occupied units
  • Optional trip collision coverage
  • Optional golf cart physical damage
  • Optional replacement cost on contents
  • Optional replacement cost on partial losses for homes new to 15 years old
  • Optional extended replacement cost for homes new to 15 years old
  • Optional equipment breakdown coverage
  • Optional builders risk coverage
  • Policies are direct bill. 1, 4, and 10 pay installment plans and credit card payments are available.
  • Program available in NY, NJ, PA, ME, VT, NH, DE, MI, RI, CT, OH, and MA
These are just a sample of the product lines and/or coverages we write. Please contact an underwriter with any specific questions you may have.

American Modern Insurance Group
Cincinnati, OH
Company DMV code for Vehicle ID Cards: 061

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