American Modern

Policy Types

100

What type of conditions does the home need to be in? 

Dwelling needs to be in average or better condition.

200

What losses are covered?

named perils or 

• Aircraft
• Burglary
• Explosion
• Fire or lightning
• Riot or civil commotion
• Smoke
• Vandalism or malicious mischief
• Vehicles
• Volcanic eruption
• Windstorm or hail

300

What types of homes are acceptable?

Owner and Seasonal homes ONLY

400

What does a Homeowner Flex policy include?

• For dwelling in average or better condition.
• Losses covered for open/all-risk perils.
• Based on the HO3 form.

500

What type of policy do you choose to write Builder's Risk?

A Dwelling Fire policy.

Liability

100

What is covered under Premises Liability-Property Manager? 

Pays for injuries to someone else, for which a property manager is responsible, occurring on the insured property.

200

What is covered under Premise liability?

• Provides liability coverage for the owner of a rental or seasonal property for liability related solely to that premises.
• Protects the owner if held liable for accidents which happen to other people while they are on the insured property.

300

What is Premises Liability? 

Pays for injuries to someone else, for which you are responsible, occurring on the insured property.

400

Premises Liability is also known as 

"Owners, Landlords and Tenants" insurance

500

Can you find Premises Liability under products in KMS?

No