American Modern Insurance Group is rated
A+ (Superior) by A.M. Best and has been recognized for over a decade by the Ward Group as one of the Top 50 property and casualty insurers in the U.S. AIM has proudly partnered with AMIG for more than 20 years, offering agents access to stable, flexible personal lines solutions for clients across Maryland and Virginia.
Overview of the Program From AIM
Agents Insurance Markets, Inc. (AIM) offers a broad personal lines insurance program tailored for clients in Maryland, North Carolina, and Virginia. With access to top-rated carriers and a mix of admitted and non-admitted options, AIM helps agents place a wide range of residential and recreational property risks, including hard-to-place accounts.
Ideal Accounts and Appetite
This program is designed for agents working with:
- Primary, seasonal, rental, and vacant dwellings (DP-1 & DP-3)
- Manufactured homes, including coastal properties
- Personal umbrella risks with youthful or challenging drivers
- HO-3, HO-4, and HO-6 policies with higher liability needs
- Recreational vehicles including RVs, motorcycles, and watercraft
Whether you’re helping a client insure a vacant rental in Maryland or a manufactured home on the Virginia coast, AIM has solutions to help you meet those needs efficiently.
Coverage Highlights and Advantages
American Modern Insurance Group (Admitted):
- DP-1 and DP-3 for owner-occupied, seasonal, rental, and vacant properties
- No minimum earned premium on vacant policies
- Short-term vacant options: 3, 6, or 12 months
- Liability coverage up to $500,000
- Manufactured home coverage with replacement cost for homes =15 years old
- Mechanical breakdown enhancement for manufactured homes
- Direct billing and multiple payment plans
Hudson Specialty Insurance (Non-Admitted):
- Personal umbrella limits from $1M to $10M
- Youthful driver eligibility
- Agency bill option
- Virginia and North Carolina availability
Lexington Insurance Company (Non-Admitted):
- HO-3 with $300,000 minimum Coverage A
- HO-4, HO-6, and DP-3 options
- Excess flood and vacant dwelling coverage
- Liability limits up to $500,000
Underwriting Notes and Placement Flexibility
AIM supports both agency bill and direct bill options, with premium financing available on select non-admitted policies. Vacant dwellings can be written for short terms and prorated upon cancellation. The program is suitable for both standard and non-standard risks, including challenging property conditions or driver profiles.
Territories and Availability
This personal lines program is available in Maryland, North Carolina, and Virginia. Admitted and non-admitted options vary by state and carrier, ensuring flexibility for agents managing diverse client needs.
Why Work With AIM?
As a Managing General Agency with strong carrier relationships and decades of experience, AIM offers deep expertise in personal lines underwriting and placement. Agents benefit from AIM’s responsive service, market access, and ability to help you place accounts that may not fit standard carrier appetites.
Backed by a 20+ year partnership with American Modern and access to specialty carriers like Hudson and Lexington, AIM is your go-to resource for flexible, reliable personal lines solutions in MD, NC, and VA.
Frequently Asked Questions
What types of accounts are a good fit for this personal lines program?
This program is ideal for primary, seasonal, rental, and vacant dwellings, manufactured homes (including coastal risks), personal umbrella policies, and recreational vehicles.
Are admitted options available through this program?
Yes, admitted options are available for many risks in Maryland and Virginia through carriers like American Modern. Non-admitted options are also available for more specialized or hard-to-place accounts.
Can I write short-term policies for vacant properties?
Yes, vacant dwellings can be written for 3, 6, or 12-month terms, with prorated cancellation options available.
Which states is this program available in?
This program is currently offered in Maryland, North Carolina, and Virginia.
What carriers are included in this program?
The program includes access to American Modern Insurance Group, Hudson Insurance Group, and Lexington Insurance Company, each highly rated by A.M. Best.
Need help placing an account? Connect with a market specialist.