Recreational Vehicles

Easy Rating Options Available

Ineligible Risks

• Units that are unapproved Assembled, Custom or Refurbished. Refurbished refers to chassis or structural modifications. EXCEPTION: The installation of accessories, trailer hitches, trike conversions or sidecars is acceptable, unless there is resulting structural or chassis alteration. 
• Units with only Physical Damage coverage(s). 
• Units with frames and front ends (“forks”) materially altered from the original manufacturer’s specifications. 
• Units with freewheeling front wheels (front wheels must have braking system). 
• Units used for racing, speed, hill climbing events or any other organized event, which includes the practice or preparation for any such event. 
• Units used for law enforcement or security services. 
• Units that have been salvaged or rebuilt. EXCEPTION: Liability only coverage is available for re-titled salvaged units with a State Assigned VIN, yet these units may not be bound until American Modern Insurance Group approves through the “Request for Approval on Custom Assembled or State Assigned VIN”.  
• Units equipped with a nitrous system. 
• Units that are turbo charged. 
• Units that are homemade or kit built. 
• Units not principally garaged at least 6 months in a state where there is an active American Modern Motorcycle Program. 
• Units for sale or on consignment at the time of application. 
• Units with any unrepaired/existing damage. 
• Units that are dune buggies or snowmobiles. 
• Units with more than one owner. EXCEPTION: Units may have more than one owner, if and only if, all owners primarily reside in the same principle residence. 
• Units titled in the name of any business or association. 
• Units used for commercial or business purposes. This includes, but is not limited o: (1) Units leased or rented to others. (2) Units used for business in a funeral or escort service. (3) Units used for business purposes (example: pizza delivery).