Insurance professionals got together after the 2004 and 2005 destructive hurricane seasons. They decided to work together because there weren’t a lot of private companies in the Florida marketplace for homeowners to rely on. The original company was called the American traditions insurance company or ATIC. In 2006 they began to offer insurance policies for manufactured homes and specialized in this area. In 2007 they expanded and offered their affiliate insurance company, Modern USA Insurance Company.

This company offered more capacity for homeowners, condominium owners, and manufactured homes for those in the Florida area. In addition, the companies provide insurance policies for those that live in the Florida area. In May of 2008, ATIC merged with Modern USA Insurance Company, and now both are managed by the same Insurance professionals. As a result, they have plenty of experience with insurance and offer various rates and policies for consumers.

Insurance Breakdown

Homeowner

You can get insurance for your home and other structures around your personal property. You’ll be covered if there are any damages from hail, windstorms, fire, vandalism, theft, lightning, and other causes. For example, if your home is damaged or destroyed, the coverage can help you pay for temporary housing and your living expenses while your home is being rebuilt or repaired. In addition, you can get medical payments and personal liability coverage if someone on your property is injured due to negligence. This can also be helpful if you are taken to court for damaging someone else’s property.

Dwelling Fire

This insurance is seasonal coverage for your rental or secondary property. Any home written under this coverage cannot be a vacant home. This is not a typical package policy, so you should only get it if it suits your needs. Talk to your Modern USA insurance provider about dwelling fire insurance to see if it’s something you want.

Manufactured Home

This insurance will cover your manufactured home. It will cover attachments such as sheds, carports, screen rooms, attached garages, etc. It will also protect personal property if destroyed or damaged, but when storms, fire, lightning, hail, vandalism, theft, etc. Your living expenses will be covered as well as temporary housing while the home is being rebuilt or repaired.

Condominium Unit Owner

This insurance will cover you as a condominium owner. You will be responsible for the personal belongings within your condo, but this coverage covers the personal property in case it is destroyed or damaged. It covers specific events such as theft, lightning, hail, windstorms, fire, vandalism, etc. With this policy, your living expenses and temporary housing are covered while your home is rebuilt or repaired. You can also get medical payments and personal liability coverage it’s this insurance policy. It can help if you are taken to court for damaging someone else’s private property. You can also protect yourself if someone is injured on your personal property due to your negligence.

Flood

Floods can happen at any time and even far away from significant waterways. You are in greater danger of a surge in the Florida area due to hurricanes and storms. You should purchase flood insurance immediately, as it will take 30 days for your flood insurance policy to become effective. Many homeowners’ policies won’t insure your personal property or home for flood damage, so you will need this coverage. You’ll be covered by damage caused by floodwaters or for the loss of your home. This coverage has guidelines you can read about in NFIP or the National Flood Insurance Program. You may be at greater risk for flood in Florida, so you should speak with a modern USA provider about your troubles. You may be able to receive discounts if you purchase flood insurance and home insurance together through the company, so you might want to consider this. This sort of policy can be tailored to meet all of your individual needs.

Breakdown Of Equipment

You may have equipment on your property that is in danger of breaking down that you might want to cover through insurance. Modern USA can add you to a manufactured home, home, or condo insurance if needed. This provides insurance for electrical, mechanical, and pressure systems that might break down. Most insurance policies will not cover the breakdown of equipment. However, it will cover things that can fail mechanically, such as heat pumps, air conditioning systems, electrical panels, swimming pool equipment, washers, televisions, computers, dryers, sump pumps, garage door openers, stereo equipment, fans, and other mechanical equipment. This can give you peace of mind if you have a lot of equipment on your property that runs the risk of breaking down. Having insurance for this equipment can be a good idea.

Identity Theft

Identity theft is a more common problem than most people realize. In America is estimated that every 3 seconds, someone is a victim of identity theft. You may not think about him in your insurance policy, but it can be something that you should consider. If you spend a lot of time online, you might want some identity theft coverage just in case your information is stolen. This service will monitor over 1,500 databases to detect identity theft threats. In addition, you will be advised on how to protect your family from identity theft. If you suffer identity theft, then there is someone professionally trained to help you restore your identity, and we’ll work with you to get your funds back that may have been stolen from you.

Manufactured Home Renter

This policy is known as renter’s insurance. It will cover damage to personal property which a tenant owns. It won’t obscure the manufactured home itself, but it covers the belongings inside and will cover you when you travel. If you live in a manufactured home with your renting in this is damaged, then the renter’s policy will help you find an alternate living arrangement. You can also get medical payments coverage and purchase liability insurance if someone who comes to your rental home is injured while at your rental.

Summary

Modern USA insurance company is now the largest provider for manufactured homes in Florida. They offer excellent service through various independent insurance agents in the Florida area. They work on good faith, integrity, and fair dealings. You can rely on Modern USA Insurance Company to provide you with all your insurance needs in the Florida area.