American Modern Insurance Agent
Yuba City, CA
Oakview Insurance Services is an appointed American Modern Insurance agent serving Yuba City and Northern California. American Modern -- part of Munich Re and AM Best A+ rated -- is a national leader in specialty insurance for manufactured homes, specialty dwellings, collector vehicles, and recreational equipment. Find American Modern alongside all our carrier partners at Oakview.
Specialty Insurance Since 1965, Munich Re Backed
American Modern Insurance Group (AMIG) has been a national leader in specialty property and recreational vehicle insurance since 1965. Now a Munich Re company -- one of the world's largest reinsurers -- American Modern carries an AM Best A+ (Superior) financial strength rating and writes over $1.4 billion in premiums annually. They focus exclusively on the specialty markets that standard carriers underserve: manufactured homes, hard-to-insure dwellings, collector vehicles, and recreational equipment. In California, policies are issued by American Modern Insurance Company (CA License No. 2222-8).
Two Specialty Divisions, Dozens of Programs, One Carrier Relationship
American Modern operates across two broad specialty markets: residential property (manufactured homes, specialty dwellings, rental properties, vacation homes, vacant structures, condos) and recreation (classic cars, motorcycles, boats, ATVs, snowmobiles, golf carts, travel trailers). For clients in the Sacramento Valley who own multiple specialty items, American Modern is one of the few carriers that can cover both the hard-to-insure home and the collector vehicle under one company relationship.
American Modern Products Available Through Oakview
As an appointed American Modern agent, Oakview can quote and place the following specialty programs for California clients.
Manufactured Home Insurance
Purpose-built coverage for single-wide, double-wide, and permanently sited manufactured homes. American Modern has written manufactured home insurance for nearly 60 years -- one of the longest-running programs of any carrier. Structure, personal property, and liability all covered with forms designed for factory-built housing.
Specialty and Hard-to-Insure Homes
Coverage for properties that standard admitted carriers decline -- unusual construction, prior losses, high wildfire hazard, or underwriting profiles outside normal appetite. American Modern has admitted and non-admitted options for hard-to-place California homes.
Vacation and Seasonal Homes
Coverage for secondary residences, cabins, lake houses, and properties not occupied year-round. Standard homeowners policies restrict or exclude coverage on seasonal-use properties. American Modern's vacation home program is purpose-built for non-primary-residence occupancy patterns.
Vacant Property Insurance
Coverage for homes that are temporarily or long-term unoccupied -- in probate, between tenants, under renovation, or in any transitional status where standard policies suspend coverage after 30-60 days vacancy.
Rental Property (DP-3)
Landlord dwelling coverage for non-owner-occupied rental properties. Covers the structure, landlord liability, and loss of rental income. Available for single-family rentals and small investment properties throughout California.
Collector Car Insurance
Agreed value collector vehicle coverage for classic and specialty cars. Similar to Hagerty in structure -- American Modern uses agreed value rather than ACV, protecting what you've invested in the vehicle rather than a depreciated market rate.
Motorcycle Insurance
Specialty motorcycle coverage for vintage, collector, and non-daily-use motorcycles. American Modern's motorcycle program covers the situations where a standard auto endorsement falls short -- particularly for stored, restored, or collector-value bikes.
Boat, ATV, Snowmobile and More
Watercraft, ATVs, UTVs, snowmobiles, and golf carts -- recreational vehicles excluded by standard auto and homeowners policies. American Modern writes dedicated programs for each, with coverage appropriate to the vehicle type and use pattern.
American Modern Coverage Summary
| Product | Who It Fits | CA Available |
|---|---|---|
| Manufactured Home | Factory-built housing needing dedicated policy forms, not adapted standard HO | Yes |
| Specialty / Hard-to-Insure Home | Prior losses, unusual construction, wildfire exposure, non-standard risk profiles | Yes (admitted and E&S) |
| Vacation / Seasonal Home | Secondary residences and cabins not occupied as a primary dwelling year-round | Yes |
| Vacant Property | Homes in probate, renovation, or between occupancies where standard coverage lapses | Yes |
| Rental Property (DP-3) | Non-owner-occupied investment properties needing landlord coverage | Yes |
| Condo (HO-6) | Unit-owners needing interior coverage beyond what the HOA master policy provides | Yes |
| Collector / Classic Car | Specialty vehicles with agreed value coverage rather than ACV depreciation | Yes |
| Motorcycle | Vintage and collector motorcycles not covered adequately by standard auto | Yes |
| Boat / Watercraft | Powerboats, sailboats, personal watercraft not covered by standard homeowners | Yes |
| ATV / UTV / Golf Cart / Snowmobile | Off-road and recreational vehicles excluded from standard auto policies | Yes |
Local American Modern Agent for the Sacramento Valley
Manufactured Homes Throughout the Valley
The Sacramento Valley has a significant manufactured home population across Yuba City, Marysville, Live Oak, Gridley, and the surrounding rural areas. These properties need dedicated coverage that standard homeowners policies do not provide. American Modern has been writing manufactured home insurance since the 1960s and remains one of the deepest programs available through independent agents in California.
Specialty and Hard-to-Insure Properties
Properties with prior losses, unusual construction, or wildfire hazard exposure are increasingly difficult to insure in California. American Modern offers both admitted and non-admitted options for properties that don't qualify through standard carriers. As an independent agency, Oakview evaluates American Modern alongside Aegis, Foremost, Bamboo, Orion180, and others to find the right fit for each property.
Collector Vehicles and Recreational Equipment
Classic car owners, motorcycle collectors, boat owners, and ATV riders throughout the Sacramento Valley need coverage that standard auto policies don't provide. American Modern's recreational vehicle programs use agreed value for collector cars and provide dedicated coverage for each vehicle type. For households with both a specialty dwelling and a collector vehicle, American Modern can often cover both under one carrier relationship.
Oakview as Your Local American Modern Agent
Oakview Insurance Services represents American Modern alongside 100+ other carriers. When you contact us, we evaluate whether American Modern's specialty programs genuinely fit your situation -- or whether another carrier on our panel is a better match. You get a local Yuba City agent at (530) 674-5054 who knows the specialty markets and can place coverage quickly.