We Write Island Homes
The Great Lakes region is blessed with numerous water resources, both large and small. Numerous people love access to these beautiful locations, so it's not unusual to find that many have built either primary or seasonal homes on islands. While most are connected to the mainland by a bridge, some are not. Most insurance companies avoid these homes because a fire department is not capable of reaching the home.
We do have a solution for island homes with no road access. American Modern covers them on their dwelling fire program. Both DP1 and DP3 coverage forms are available for seasonal and rental policies, and DP1 is even available for owner occupied situations. Other, standard underwriting rules would apply. Quotes can be done online, by sending us a quote request form, or by giving us a call. We are also here to answer any questions you may have about the product.