Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Policies are written by American Modern Home Insurance Company d/b/a in CA American Modern Insurance Company (Lic. No 2222-8) and American Southern Home Insurance Company. American Modern Pet Insurance Programs are administered by Embrace Pet Insurance. © 2015 American Modern Insurance Group, Inc. All rights reserved.