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Modern USA Insurance Company

Insurance professionals got together after the 2004 and 2005 destructive hurricane seasons. They decided to work together because there wasn’t a lot of private companies in the Florida marketplace for homeowners to rely on. The original company was called 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 called Modern USA Insurance Company.

 

This company offered more capacity for homeowners, condominium owners, and those with manufactured homes for those living in the Florida area. 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. They have plenty of experience with insurance an 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 in case there are any damages from hail, windstorms, fire, vandalism, theft, lightning, and other causes. If your home is damaged or destroyed then the coverage can help you pay for temporary housing and your living expenses while your home is being rebuilt or repaired. You can get medical payments as well as personal liability coverage in case someone that is 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 a seasonal coverage for your rental or secondary property. Any home that is written under this coverage cannot be a vacant home. This is not a typical package policy so you should only get this policy if it suits your needs. Talk to your Modern USA insurance provider about dwelling fire insurance to see if it’s something that you might want.

 

Manufactured Home

 

This insurance will cover your manufactured home. It will cover attachments such as sheds, carports, screen rooms, attached garages, and so on. It will also cover the personal property if it is destroyed or damaged but when storms, fire, lightning, hail, vandalism, theft, and so on. 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 typical events such as theft, lightning, hail, windstorms, fire, vandalism, and so on. Your personal living expenses and temporary housing are covered while your home is being rebuilt or repaired with this policy. You can also get medical payments as well as personal liability coverage it’s this insurance policy. It can help you if you are taken to court from damaging someone else’s personal property. You can also protect you if someone is injured while they are on your personal property due to your own negligence.

 

Flood

 

Floods can happen at any time and even far away from major waterways. In the Florida area, you are in greater danger for a flood due to hurricanes as well as storms. You should purchase flood insurance right away 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 flood waters or for the loss of your home. This coverage has guidelines what you can read about in NFIP or the National Flood Insurance Program. You may be at greater risk for flood in the Florida area so you should speak with a modern USA provider about your risks. You may be able to receive discounts if you purchase flood insurance as well as 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. You can be added to a manufactured home, home insurance, or condo insurance if you feel you need it. This provides insurance for electrical, mechanical, and pressure systems that might break down. Most insurance policies will not cover the breakdown of equipment. It will cover things that can fail a 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 this to your insurance policy but it can be something that you should consider. If you spend a lot of time online, you might want some sort of identity theft coverage just in case your information is stolen. This service will monitor over 1,500 databases so it can detect identity theft threats. You will be given advice on how you can protect your family from identity theft. If you suffer identity theft then there is someone that is professionally trained to help you restore your identity and we’ll work with you so you 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 is owned by a tenant. It won’t cover the manufactured home itself but it covers the belongings that are 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 in case someone that comes to your rental home is injured while they are at your rental.

 

Summary

 

Modern USA insurance company is now the largest provider for manufactured homes in Florida. They offer great 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 all of your insurance needs in the Florida area.

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