American Modern Insurance Agent in Yuba City, CA
Oakview Insurance Services is an independent agency in Yuba City appointed with American Modern. We write its manufactured home, rental, vacant, and seasonal home programs, along with collector cars, motorcycles, ATVs, golf carts, and boats, for clients throughout California.
Mariah Davis founded Oakview in her hometown of Yuba City in 2010. American Modern has been one of our key partners for mobile homes, toys, and classic cars across Yuba, Sutter, Colusa, and Butte Counties.
- AM Best A+ (Superior)
- Mobile Homes, Rentals & Toys
- 850+ Five-Star Google Reviews
- NFIP Certified Flood Agency
- Local Yuba City Office
Why California Clients Choose American Modern
A specialty carrier for the homes and vehicles that standard policies handle poorly.
American Modern Insurance Group grew out of The Midland Company, a Cincinnati business founded in 1938 that financed cars and then mobile homes. In 1965 it started its own insurance companies to cover those homes, and manufactured housing is still at the center of what it does. It added boats in the 1990s, collector cars in 1993, and motorcycles, ATVs, and snowmobiles after that. Munich Re bought the company in 2008, and AM Best affirmed the A+ (Superior) rating of American Modern's insurance companies on July 23, 2026, as part of its Munich Re rating action.
In California, American Modern policies are written by its licensed insurers, including American Modern Property and Casualty Insurance Company (CA Lic. No. 6129-1) and American Modern Home Insurance Company, which does business here as American Modern Insurance Company (CA Lic. No. 2222-8). American Modern is still taking new manufactured home and dwelling business through Oakview, including in higher wildfire-risk areas. Each home is subject to underwriter approval. The brush score and American Modern's capacity in the area often decide it, along with the home's construction, condition, occupancy, and loss history, so availability varies by property and location.
What Oakview Writes With American Modern
Homes and toys, quoted from our Yuba City office for clients anywhere in California.
Manufactured and Mobile Homes
This is the program American Modern was built on, and the main reason it is a key partner for us. It covers single-wide and double-wide homes, modular homes, and professionally built tiny homes that are tied down or set on a foundation. American Modern's program guide lists no age restriction for the home as long as it is in fair condition or better, and the home can be lived in by the owner, used seasonally, or rented out. Every home is subject to underwriting, and coverage for the home, your belongings, and liability follows the policy terms.
- Single-Wide
- Double-Wide
- Modular Home
- Tiny Home
Rental and Seasonal Homes
Landlord coverage for a house you rent out, and coverage for a cabin or second home that sits empty part of the year.
- Rental Home
- Seasonal Home
Vacant Homes
For a house in probate, between tenants, or in the middle of a remodel. American Modern's Dwelling Basic program can be an option for a vacant home, subject to underwriting.
- Vacant Home
Hard-to-Place Homes
Can be an option for owner-occupied homes that other carriers turn down because of the home's age, location, or claim history. Every home goes through American Modern's underwriting, and acceptance is not guaranteed.
- Homeowners
Collector Cars
Agreed value coverage for classic, antique, muscle, and modified cars, street rods, kit cars, and restorations in progress. The car must be stored in a locked garage or building, and you need a separately insured car for daily driving.
- Collector Vehicle
Motorcycles, ATVs, and Golf Carts
One program for street bikes, dirt bikes, ATVs, side-by-sides, golf carts, low-speed electric vehicles, and snowmobiles.
- Motorcycle
- ATV and UTV
- Golf Cart
- Snowmobile
Boats
Coverage for boats and personal watercraft on their own policy, separate from your home or auto coverage, subject to underwriting.
- Boat
Where American Modern Fits in the Sacramento Valley
Mobile Homes in the Valley and Foothills
Yuba City, Marysville, Live Oak, Gridley, Oroville, and the country roads between them have a lot of mobile and manufactured homes. In the foothills, the brush score usually decides whether a home qualifies, so we check that early. Our high fire area insurance page covers the other options when a home is hard to place.
Inherited or Empty Houses
When a parent's house sits empty while an estate settles, or a rental is between tenants, the old homeowners policy may not fit anymore. Call us as soon as you know the house will be empty so we can look at vacant coverage before there is a gap.
Boats, Side-by-Sides, and Golf Carts
Boats on the Feather River, side-by-sides used around the property, and golf carts in retirement communities all need coverage of their own. We can often write them with American Modern alongside your home.
Flood and Earthquake Are Separate
Standard homeowners policies generally do not cover flood damage. That matters in the Feather River and Yuba River flood plains, and Oakview writes flood insurance as a separate service. Standard California homeowners policies also generally exclude earthquake damage. Earthquake protection is available through separate policies or eligible endorsements.
American Modern Coverage Through Oakview
| Coverage | Who it's for |
|---|---|
| Manufactured home | Owners of single-wide, double-wide, modular, and tiny homes, whether lived in, used seasonally, or rented |
| Rental home | Landlords with a single-family rental or a few investment houses |
| Seasonal home | Owners of a cabin or second home that sits empty part of the year |
| Vacant home | Houses in probate, between tenants, or under renovation |
| Homeowners | Owner-occupied homes other carriers decline because of age, location, or claim history |
| Collector vehicle | Classic and specialty cars kept in a locked garage or building, alongside a separately insured daily driver |
| Motorsport | Motorcycles, dirt bikes, ATVs, side-by-sides, golf carts, and snowmobiles |
| Boat | Boats and personal watercraft |
Coverage is subject to American Modern underwriting, policy terms, limits, and exclusions.
A Local Independent American Modern Agency
Oakview is a team of 20 dedicated insurance professionals in Yuba City. American Modern is one of more than 100 A-rated carriers we can access, including our core panel of 30+ direct-appointed carriers plus surplus lines and specialty markets. That lets us quote your mobile home or classic car with American Modern and compare it with the other carriers we write before you decide.
We know the questions American Modern's underwriters ask about brush scores and how a home is set up, so we gather those details at the start. Two of our personal lines agents speak Spanish and can help with business and farm policies too. Oakview is also an NFIP certified flood agency, so a home's flood coverage can be handled in the same office.
Clients have left us 850+ five-star Google reviews, and Oakview was voted Best Insurance Agency, Best Agent, and Best Customer Service in the Appeal-Democrat's Best of Yuba-Sutter-Colusa readers' poll, multiple years. Meet our team, read our reviews on Google, or call (530) 674-5054.
Serving American Modern Clients Across Northern California
We work with clients throughout California, with a focus on Northern California and the communities below.
Our Office
Oakview Insurance Services, Inc.
1670 Sierra Ave Ste 303
Yuba City, CA 95993
(530) 674-5054
Oakview is licensed in California, Oregon, Washington, Nevada, Idaho, and Arizona.
Yuba-Sutter
Our home base covers Yuba City, Marysville, Linda, Plumas Lake, Live Oak, and Wheatland, plus smaller communities like Sutter and Meridian.
Butte and Colusa Counties
We write American Modern policies for clients in Chico, Oroville, and Gridley in Butte County, and in Colusa.
Greater Sacramento
To the south we serve North Natomas, Sacramento, Roseville, Rocklin, Lincoln, and Woodland.
American Modern Insurance Questions, Answered
Is Oakview an appointed American Modern agent?
Yes. Oakview Insurance Services, Inc. (CA License #0L91635) is an independent agency appointed with American Modern. We quote and place its home and recreational programs from our Yuba City office for clients throughout California.
What is American Modern's AM Best rating?
A+ (Superior). AM Best affirmed that rating on July 23, 2026, for American Modern Home Insurance Company, American Modern Property and Casualty Insurance Company, and American Family Home Insurance Company, as subsidiaries of Munich Re.
Is American Modern writing new business in California?
Yes. American Modern is taking new manufactured home and dwelling business through Oakview, including in higher wildfire-risk areas. Each home is subject to underwriter approval. The brush score and American Modern's capacity in the area often decide it, along with the home's construction, condition, occupancy, and loss history, so availability varies by property and location.
Which companies issue American Modern policies in California?
American Modern policies are written by its licensed insurers, including American Modern Property and Casualty Insurance Company (CA Lic. No. 6129-1) and American Modern Home Insurance Company, which does business in California as American Modern Insurance Company (CA Lic. No. 2222-8). Your policy names the company that issues it.
Does American Modern insure manufactured and mobile homes in California?
Yes. American Modern has insured manufactured homes since 1965. Its program covers single-wide and double-wide homes, modular homes, and professionally built tiny homes, and its program guide lists no age restriction as long as the home is in fair condition or better. The home can be owner-occupied, seasonal, or a rental. Every home is subject to underwriting.
How does American Modern's collector car coverage work?
It is agreed value. Before the policy starts, you, Oakview, and American Modern's underwriters agree on what the car is worth, and a total loss pays that amount, less the deductible. The car must be stored in a locked garage or building, and you need a separately insured vehicle for daily driving. American Modern lists several of its collector car discounts, plus the Good Driver discount, as available in California.
Will American Modern cover a vacant house?
Often, yes. Many homeowners policies limit coverage once a house has been empty for a while. American Modern's Dwelling Basic program can be an option for a vacant home, subject to underwriting. Call us as soon as you know a house will sit empty, whether it is in probate, between tenants, or being remodeled.
How do I get an American Modern quote in California?
Call (530) 674-5054 or fill out our online quote form. You can start the request before every document is ready. For a home, it helps to have the year, size, and address; for a collector car, photos and an idea of its value. We will tell you whether American Modern or another carrier is the better fit.
Does Oakview serve American Modern clients outside Yuba City?
Yes. We work with clients throughout California, with a focus on Yuba, Sutter, Colusa, and Butte Counties and the Greater Sacramento area. Existing American Modern clients can find claims and billing contacts on our carriers page.
Talk to a Local American Modern Agent
Tell us about your mobile home, rental, empty house, classic car, or toys, and we will quote American Modern and compare it with the other carriers we can access. If another carrier fits better, we will tell you that too.
Oakview Insurance Services, Inc. | 1670 Sierra Ave Ste 303, Yuba City CA 95993 | CA License #0L91635 | (530) 674-5054 | info@oakviewins.com | Licensed in CA, OR, WA, NV, ID, AZ | In California, policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including but not limited to American Modern Property and Casualty Insurance Company (CA Lic. No. 6129-1) and American Modern Home Insurance Company, d/b/a in California as American Modern Insurance Company (CA Lic. No. 2222-8). American Modern Insurance Group and American Modern are registered trademarks of American Modern Insurance Group, Inc. Coverage is subject to carrier underwriting guidelines and availability. This page is for informational purposes only and is not a commitment to insure.