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TERRITORY DEFINITIONS

Territory 50
Albany
Allegany
 Broome
Cattaraugus
Cayuga Chautauqua Chemung
Chenango
Clinton 		Columbia Cortland Delaware Dutchess
Erie
 Essex
Franklin
Fulton
Genesee 
Greene 
Hamilton 
Herkimer 
Jefferson 
Lewis 
Livingston 
Madison 
Monroe 
Montgomery
New York Niagra
Oneida Onondaga Ontario
Orange
 Orleans Oswego Otsego 		Putnam
 Rensselaer Rockland St. Lawrence
Saratoga Schenectady Schoharie
 Schuyler
Seneca 		Steuben
 Sullivan
Tioga
Tompkins
Ulster
Warren Washington Wayne
Wyoming
Yates
 

Territory 51
 Bronx Kings 
 
Nassau
  Queens Richmond Suffolk Westchester
 

 PREMIUM PLANS
 
Direct Bill is American Modern Insurance Group’s own automated billing and processing system. With the completion of an easy application, this system will automatically produce a declarations page, bills and renewals. All policies can be dispatched from our office to the insured. Please inquire for details.

We now accept credit cards and EFT as a method of payment!
 

ANNUAL POLICIES
1. Paid in Full.  
 
2. 4-Pay Plan - 25% down with 3 installments. Collect the 25% down. We will bill in 3 installments which will be due by day 60, day 150, & day 240.
 
3. 10-Pay Plan - 16.3% down with 9 installments. Collect the 16.3% down. We will bill in 9 installments which will be due by day 40, day 70, day 100, day 130, day 160, day 190, day 220, day 250, & day 280.

A SERVICE CHARGE IS ASSESSED FOR EACH INSTALLMENT, INCLUDING THE DOWN PAYMENT.

WHICH PROGRAM TO USE?

 
 Multi-Sectional Program - Designed for multi-sectional homes that are owner occupied as the primary residence of the insured. (No rental or seasonal permitted)

Single-Sectional Program - Designed for single-sectional homes that are owner occupied as the primary residence of the insured. (No rental or seasonal permitted)

Mobile Home Program - Designed for homes that are owner occupied as the primary residence of the insured. This program offers your insured maximum flexibility by allowing them to choose the specific coverages they desire. (No rental or seasonal permitted)

 Seasonal Mobile Home Program - Designed for any home that is not the primary residence of the insured, but is used by the insured on an intermittent, or non-continuous basis. Vacant or rental homes are not eligible.

Rental/Commercial Mobile Home Program - Designed for any home rented to others for residential purposes, or designed for any home used in a light office or professional capacity. (Beauty salons, day care centers, and stores or markets are not eligible for this program)

Tenant Program - Designed to provide personal property coverage for individuals renting a manufactured home.
 

POLICY AND COVERAGE HIGHLIGHTS
 
COVERAGES MULTI-SECTIONAL/ SINGLE-SECTIONAL PROG. MOBILE HOME PROGRAM SEASONAL MOBILE HOME RENTAL/ COMMERCIAL TENANT PROGRAM
Comprehensive Dwelling Coverage Included Included Included Included (Broad Form Optional) N/A
Comprehensive Adjacent Structures 10% of Dwelling Limit Optional Optional Optional (Broad Form Optional) N/A
Personal Property Comprehensive 40% of Dwelling Limit Comprehensive Optional Comprehensive Optional Broad Form Optional Named Perils Included
Personal Liability Medical Payments Damage to Property of Others $25,000 $500/$25,000 $250 per occurrence Optional Optional N/A Optional
Premises Liability N/A N/A N/A Optional N/A
Stated Value Included Included Included Included N/A
Replacement Cost For Partial Losses Optional Optional Optional N/A N/A
Personal Property Replacement Cost Optional Optional N/A N/A N/A
Deductible $250 All Other Perils $500 Catastrophic Windstorm Deductible (Territory 51) $250 All Other Perils $500 Catastrophic Windstorm Deductible (Territory 51) $250 All Other Perils $500 Catastrophic Windstorm Deductible (Territory 51) Selected Options $500 Catastrophic Windstorm Deductible (Territory 51) $250 All Other Perils $500 Burglary
Earthquake Coverage 10% Deductible per coverage, ($1,000 min.) Included Included Included Comprehensive - Incl. Broad Form - Excl. N/A
Scheduled Personal Property Optional Optional N/A N/A N/A
 

SUPPLEMENTAL COVERAGES
 

Add'l Living Expense/Loss of Use

*20% of dwelling limit

 10% of dwelling limit ($20 per day maximum *N/A $20 per day, 30 day maximum 20% of Personal Property Limit ($20 per day maximum)
Fire Dept. Service Charge *$500 $250 $250 $250 $250
Emergency Removal Cov *Reasonable Cost $750 $750 $750 N/A
Trees,Shrubs, Plants & Lawns *5% of dwelling limit ($500 per item) $200 limit ($100 per tree/lawn $25 per plant/shrub) $200 limit ($100 per tree/lawn $25 per plant/shrub) $200 limit ($100 per tree/lawn $25 per plant/shrub) N/A
Debris Removal *5% of dwelling limit 3% of dwelling limit (maximum $250) 3% of dwelling limit (maximum $250) 3% of dwelling limit (maximum $250) Reasonable Expense
Credit Card, Fund Transfer Card, Forgery and Counterfeit Money *$1,000 $500 *N/A *N/A $500
Antennas and Satellite Dishes *$500 $100 $100 $100 $100
Emergency Repair Cov. *Reasonable & Necessary N/A N/A N/A N/A
Loss Assessment Cov. *$1,000 N/A N/A N/A N/A

*Supplemental Coverages are changed from the standard policy limits due to the Enhanced Coverage Endorsement #73111 (09/97), or the Rental/Commercial Occupancy Endorsement #73137 (01/98) or the Seasonal Home Endorsement #71986 (12/93), as it applies.

 

UNDERWRITING GUIDELINES
 

GENERAL RULES AND RATING INFORMATION
   
1. Application MHO-MLD WOA (Rev. 01/01) The agent's and applicant’s signatures are required.
2. Binding Bound applications that do not meet our underwriting criteria for eligibility will be
processed and a direct notice of cancellation will be issued to terminate coverage.
Unbound applications that do not meet our underwriting criteria for eligibility will be
returned to the agent with a letter of explanation.
3. Whole Dollar Premium The premium shall be rounded separately for each coverage to the nearest whole dollar.
4. Minimum Written & Earned Premium The minimum earned premium is $50 for all programs.
The minimum written premium is $150 for the Tenant program and $50 for all other
programs.
5. Dwelling Limit/Insurance to Value Homes 15 years or newer may be insured to market value (actual cash value) or
replacement cost value. Homes 16 years and older must be insured to market
value (actual cash value).
The market value dwelling limit should be determined by adding the home's market
value and the value of attached structures, excluding the value of the land.
The replacement cost dwelling limit should be determined by adding the home's
replacement cost value and the value of attached structures, excluding the value of
the land.
For assistance in determining the value of the home, check with local dealers or use
the Mobile-Manufactured Housing Cost Guide.
6. Age of Home Determination Determine the age of the home as follows:
(effective year of the policy minus (-) model year of the home)
   

DEFINITIONS
   
1. Primary/Owner Occupied Mobile Home Manufactured homes and stationary travel trailers owned by the insured that are
occupied on a full-time basis as the insured’s primary residence for at least five (5) consecutive months. (Homes may not be rented to others for any length of time.)
2. Secondary/Seasonal Mobile Home Manufactured homes and stationary travel trailers owned by the insured that are
occupied on an intermittent or non-continuous basis as the insured’s secondary or seasonal residence for less than five (5) consecutive months. (Homes may not be
rented to others for any length of time.)
3. Rental/Commercial Mobile Home Manufactured homes owned by the insured that are rented to others, or homes used
for light office, professional or institutional purposes. (Examples of light office usage are businesses with very light or no customer traffic.)
4. Tenant An insured living in a rented manufactured home.
5. Doublewide/Multi-Sectional Home Multiple sections joined together to form one unit, as intended by the manufacturer.
   
6. Vacant Home Homes that are unoccupied whether or not the contents have been removed.
7. Adjacent Structures Structures on the dwelling premises which are not attached to the home. (Including
septic tanks.)
8. Protected Home is located within five (5) road miles from a responding fire department.
9. Unprotected Home is located more than five (5) road miles away from a responding fire department.
10. Supplemental Heating Device Includes wood, coal, or pellet burning stoves, space heaters, kerosene heaters,
and/or any other heating device that is not centralized.

 

TEMPORARY SUSPENSION OF WRITINGS


IMPENDING SEVERE WEATHER - BINDING RESTRICTIONS AND PROCEDURES:
FOR UPDATES, CALL (800) 543-2644, EXT. 6700 OR VISIT OUR WEBSITE AT WWW.AMIG.COM. CHOOSE "AGENT AREA",
SELECT "BINDING RESTRICTIONS".

During periods of severe weather, do not accept any applications for new coverage, requests to increase coverage limits, or requests to lower deductibles on existing policies. Impending severe weather includes, but is not limited to, tornado, flood, hurricane or tropical storm warnings and/or watches. Renewals of expiring American Modern Home policies may be written, provided there is no increase in coverage or lapse between policies.

EARTHQUAKE - BINDING RESTRICTIONS AND PROCEDURES:
Restrictions begin with the occurrence of an earthquake, or aftershock, of 5.1 Richter (or greater), and continues for a period of 72 hours for homes located in counties (in their entireties) within 100 miles of the epicenter. Do not accept any applications for new coverage, endorsements to existing policies, or increased coverage limits. Renewals of expiring American Modern Home policies may be written, provided there is no increase in coverage or lapse between policies.
 

DO NOT BIND

Unacceptable

But will be evaluated for acceptability by the Company if:
 

1. Applicant has had two or more property losses in the past three (3) years or any single fire, theft, liability or flood loss in the past three (3) years.

 

steps have been taken to minimize and/or prevent future losses, and credit history indicates financial stability.

2. Applicant is unemployed, other than retired or disabled.
credit history shows financial stability.

3. Applicant has filed any bankruptcy in the past five (5) years.

 

credit history shows financial stability since bankruptcy and circumstances of bankruptcy appear to be resolved.

 

4. Home has more than two liens, or has an individual as mortgagee.
credit history shows financial stability.
5. Homes with a swimming pool
a fence, at least 4 feet high with locking gate, surrounds the pool, OR... the application is submitted without liability coverage.
   

6. Homes that have been uninsured for more than thirty(30) days immediately prior to the requested effective date.

a suitable explanation is submitted with the application.

7. Applications with requests for unscheduled personal property limits in excess of $20,000 or 100% of the home limit, whichever is GREATER.
a suitable explanation is submitted substantiating the requested limits.

8. Homes with built-on additions (attached structures) exceeding the size of the original mobile home.

photos are submitted showing that the additions are of quality construction and are properly maintained. Homemade multi-sectional homes (2 single-section units connected to form a multi-sectional unit) are unacceptable.

9. Homes equipped with a supplemental heating device that was not installed by the home’s manufacturer or by a licensed contractor.

the Heating Source Questionnaire(contained on the application) and 2 photos of the unit clearly indicate proper maintenance and installation.

10. Premises where large, unusual, exotic, vicious or potentially vicious animals exist.

the application is submitted without liability coverage. Animals in this category include, but are not limited to, dogs with a previous bite history or vicious propensities, Dobermans, Chows, Rottweilers, Pit Bulls and Wolf Hybrids including mixed breeds of these animals. Ostriches, Emus, or any type of wild or exotic animals are also restricted.

 

INELIGIBLE RISKS IN ALL CASES . . . . . DO NOT SUBMIT!
 

  1. Risks where any part of the premises is used in connection with a commercial, farming or business operation, (including day care operations) except as provided for in the Rental/Commercial program.
     

  2. Two or more fire and/or liability losses, in any combination, in prior three years.
     

  3. Homes that are in foreclosure.
     

  4. Homes located on an island, or within 1000 feet of a river or seacoast.
     

  5. Homes supported on poles or pilings (elevated).
     

  6. Homes under construction or homes undergoing any renovations that require the home to be vacated.
     

  7. Homes where any supplemental heating devices are used as the primary source of heat.
     

  8. Sites with prior occurrence of brushfires, floods or landslides.
     

  9. Vacant homes.
     

  10. Homes that are not connected to utility services.