Lower Rates, More Credits and Broader Coverage!

 AMIG 

American Modern DP-3, DP-1 & Vacant Programs

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American Modern Dwelling Fire Changes to Increase Your Business

New, lower rates in most counties for DP-3 & DP-1

Lower rates statewide for Vacant Program

Learn more about these changes in a free Webinar!

More Dates coming soon.

DP-3 & DP-1 Credits

  • New, increased credits for $500/$1000/$2500/$5000 deductible options
  • New, older insured discount of 5% for those 55 and older
  • New, age of home credits for DP-3: 15% for homes new – 15 yrs. & 9% for homes 16-25 yrs.
  • New, central station fire and burglar alarm credits & local alarm credits

DP-3 & DP-1 Coverages

  • Removal of water sublimit in the DP-3 Program
  • Vacancy permission endorsement on DP-3’s (rates reduced over 35%)
  • New, fair rental value/loss of use endorsement
  • New, for Rental & Seasonal – add a property manager as an additional insured
  • New, medical payment limit of $10,000
  • New, water backup and sump coverage endorsement
  • New, ordinance or law coverage endorsement

Vacant Program

  • New, lower property & liability rates statewide
  • Multi-family surcharge removed
  • Builder’s risk endorsement
  • Vacant DP-1 fire only program closing and the policies will roll into fire & EC coverage (net rate reduction)