Homeowners insurance covers six core areas that protect your property, belongings, and finances after a covered loss: dwelling, other structures, personal property, personal liability, additional living expenses, and optional add-ons.
Homeowners Insurance
Dependable Coverage for the Home You’ve Built.
Homeowners insurance protects your house, your belongings, and your finances if a covered loss like fire, wind, or theft occurs. Whether your home is new or full of memories, American Traditions makes protecting it simple, with specialized expertise, dependable coverage, and responsive service.
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What Does Homeowners Insurance Cover?
Dwelling
Covers the physical structure of your house, including its foundation, walls, roof, and attached features like a garage or deck, so you can repair or rebuild after a covered event such as fire, wind, or hail.
Personal Property
Covers the things you keep inside your home, from furniture and electronics to clothing and everyday essentials, if they are damaged, destroyed, or stolen in a covered loss.
Other Structures
Extends protection to the structures on your property that sit apart from your home, such as a detached garage, fence, storage shed, or backyard workshop.
Personal Liability
Helps protect your finances if you’re legally responsible for accidental injuries to others or damage to their property.
Additional Living Expenses
Helps pay for a temporary place to stay and related everyday costs if a covered loss makes your home unlivable while repairs are underway.
Personalized Protection
Add optional coverages that fit your home and priorities, from higher limits on valuables to extra protection for the risks that matter most to you.
Why Choose American Traditions for Homeowners Insurance?
Local Expertise.
Dependable Protection.
Confidence Moving Forward.
Homeowners choose American Traditions for specialized property expertise, local independent agents, responsive claims, flexible coverage, and more than two decades of dependable protection. American Traditions currently writes homeowners insurance in Florida, with more markets on the way.
- Specialized property insurance expertise
We understand what it takes to protect a home and help simplify the insurance process from quote to coverage. - Independent agent network
Work with knowledgeable local agents who can help tailor coverage to your home and your needs. - Responsive claims experience
When the unexpected happens, our claims professionals work to help you recover quickly and fairly.
- Flexible coverage options
Choose coverage designed around your home, belongings, and budget. - Straightforward service
Clear communication, dependable underwriting, and a commitment to making insurance easier. - Trusted protection
For more than two decades, we’ve helped homeowners protect what matters most.
Why Choose American Traditions for Homeowners Insurance?
Local Expertise.
Dependable Protection.
Confidence Moving Forward.
- Specialized property insurance expertise
We understand what it takes to protect a home and help simplify the insurance process from quote to coverage. - Independent agent network
Work with knowledgeable local agents who can help tailor coverage to your home and your needs. - Responsive claims experience
When the unexpected happens, our claims professionals work to help you recover quickly and fairly. - Flexible coverage options
Choose coverage designed around your home, belongings, and budget. - Straightforward service
Clear communication, dependable underwriting, and a commitment to making insurance easier. - Trusted protection
For more than two decades, we’ve helped homeowners protect what matters most.
Getting Started is Easy
Whether you prefer working with a trusted local agent or purchasing directly, getting the right manufactured home insurance starts with a few simple steps.
Step 1
Tell Us About Your Home
We’ll gather a few details to better understand your home and coverage needs.
✓ Home address
✓ Year built
✓ Size and features
✓ Primary or seasonal residence
Step 2
Choose the Protection That’s Right for You
We’ll help you determine the coverage limits, deductibles, and optional protections that best fit your home, belongings, and budget.
✓ Home coverage
✓ Personal property
✓ Liability protection
✓ Additional coverage options
Step 3
Get Covered with Confidence
Purchase your policy through one of our independent agents or, where available, complete your quote directly online—whichever works best for you.
✓ Work with a local expert
✓ Buy online when available
✓ Review your policy anytime
Questions Along the Way?
Our independent agents are here to answer questions, explain your options, and help you choose coverage that fits your home and your lifestyle.
Let’s Find the Right Coverage Together
Whether you’re purchasing a new manufactured home or reviewing an existing policy, we’re here to help you explore coverage options with confidence.
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Frequently asked questions
What does homeowners insurance typically cover?
Homeowners insurance covers six core things: your home’s structure (dwelling), other structures on your property, your personal belongings, personal liability, additional living expenses if a covered loss makes your home temporarily uninhabitable, and optional coverages. Coverage limits vary by policy, so your independent agent can tailor them to your home’s value, location, and needs.
How much homeowners insurance do I need?
You need enough dwelling coverage to fully rebuild your home at current construction costs, not its market value or the price you paid. You will also want personal property coverage that reflects what you own and liability limits that protect your finances. Your independent agent can help you estimate the right amounts for your home and situation.
Does homeowners insurance cover floods or hurricanes?
No, standard homeowners insurance does not cover flooding; flood damage requires a separate flood policy. American traditions does, however, offer an endorsement as a substitute for a standalone flood policy. Hurricane, wind and hail damage is usually covered, though deductibles and requirements vary by location, which matters most in coastal and storm-prone areas. Your agent can confirm exactly what your policy includes.
Do I need homeowners insurance if my home is paid off?
Yes. Even when no mortgage lender requires it, homeowners insurance protects one of your largest investments, helping you rebuild after a covered loss and covering you if someone is injured on your property. The coverage is worth keeping whether or not your home is paid off.
Can I customize my coverage with optional endorsements?
Yes. You can add endorsements such as higher limits for jewelry or valuables, water backup coverage, and other enhancements. Your independent agent can walk you through the options that fit your home and budget.
How do I get a quote for homeowners insurance?
You can get a homeowners insurance quote two ways: connect with a local American Traditions independent agent, or start a quote online where available. We’ll gather a few details about your home and coverage needs and help you find protection designed around your property and your life.
Which states does American Traditions offer homeowners insurance in?
American Traditions currently offers homeowners insurance in Florida. We’re a specialist property insurer expanding into new markets, so if you don’t see your state yet, check back or ask a local independent agent about availability.
