Local Pennsylvania American Modern Insurance Agents

Owner, MVP Insurance

MVP Insurance is one of the local Pennsylvania agencies that can quote American Modern coverage. We work with the carrier as an independent agent, so homeowners with manufactured, seasonal or harder-to-insure dwellings can compare an American Modern policy against other options without calling a carrier directly. Our Zelienople office handles quotes for homes across western Pennsylvania.

Looking for an American Modern Agent in Pennsylvania?

The short answer: MVP Insurance is an independent agency that partners with American Modern to place home coverage for properties that standard policies often turn down. We are not American Modern. We are a separate agency, founded in 2008 by Josh Medure and David Varrati, and we can submit your home to this carrier alongside others on our carrier list.


Most people look for an American Modern agent because a standard carrier said no. That usually happens with an older single-wide, a cabin used a few months a year, or a house sitting empty during an estate settlement. American Modern works through independent agentsrather than selling directly to consumers. So an agency like ours is typically how Pennsylvania homeowners get access to its policies.

David Varrati

By: Joshua Medure

Owner, MVP Insurance

MVP Insurance is a local, independent agency, licensed to serve individuals and businesses across Ohio and Pennsylvania.

We serve clients from our offices in New Springfield and Zelienople and throughout Northeast Ohio and Western Pennsylvania, working with multiple carriers to help homeowners, drivers, renters and condo owners, landlords, contractors, restaurant owners, shop owners, auto repair shops, professional offices and many other personal and commercial clients find coverage that fits.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

Why Work With MVP Instead of Going Direct?

You get a person who knows how Pennsylvania homes actually get underwritten, plus a side-by-side comparison you would otherwise have to build yourself. Specialty properties come with quirks that an online form rarely catches. A manufactured home on rented lot space, a camp near Cook Forest with a wood stove, or a rental duplex with a recent roof claim all raise questions an underwriter will ask.


We see the same mistakes often. Owners insure a mobile home at its purchase price instead of an agreed value. They assume a seasonal cabin is covered like a primary home when it sits vacant for months. Others never ask about water damage limits until a supply line bursts. Because we are 100% independent, we work for you, not the carrier. If another company fits better, we will say so. We also provide 24/7 claims support when something goes wrong at 2 a.m.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

Popular American Modern Policies for Hard-to-Place Dwellings

MVP places American Modern home coverage, which typically includes manufactured homes, seasonal residences, vacant homes and some dwellings other carriers may decline. Details always depend on the property and underwriting.

Property Type What American Modern May Offer Common Gap to Watch
Manufactured/mobile No age limit if in fair or better condition Low default water limit
Seasonal/secondary Coverage for part-time use Vacancy and freeze exclusions
Vacant Short-term policies Theft and vandalism limits
Modular/tiny homes Factory-built options Foundation and tie-down questions

Coverage is generally available for single-wide and double-wide mobile homes, modular homes, and tiny homes. The carrier typically has no age restriction for manufactured homesin fair or better condition. Water damage is usually covered at 10% of the dwelling limit, which can often be raised to 100% by endorsement. Manufactured home policies may use Stated Value loss settlement, meaning you and the insurer agree on value upfront. For empty houses, the carrier offers vacant property insurance, and short terms of 3, 6 or 12 months are generally available in the market. Our Pennsylvania mobile home insurance pagecovers manufactured homes in more depth.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

Physical Damage Coverage for Tractors and Trailers

How to Get an American Modern Quote and More About the Carrier

Starting a quote takes a few minutes and one conversation. Here is how it typically works:


  • Share the basics: address, year, size, construction type and how often you live there.
  • Mention the details: heating source, roof age, skirting, tie-downs and prior claims.
  • We shop it: MVP compares American Modern with other carriers that fit your property.
  • Review and bind: we walk through limits and endorsements before you commit.


As for the carrier itself, American Modern focuses on specialty markets that mainstream insurers often avoid. It operates as a subsidiary of Munich Re, one of the world's largest reinsurers. As of this writing, it holds an A+ (Superior) financial strength rating from A.M. Best, affirmed in April 2026.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

Common Questions About Specialty Home Coverage

Can I get insurance on an old mobile home in Pennsylvania? Often, yes. American Modern typically accepts manufactured homes of any age if they are in fair or better condition.


Does homeowners insurance cover a cabin I only use in summer?Not always. A standard policy may restrict coverage when a home sits empty, so a seasonal policy is usually the safer fit.


Is American Modern the same as MVP Insurance?No. MVP is an independent agency that works with American Modern as one of several carriers.


What happens if my house is empty while I sell it?Vacancy can limit or void standard coverage. A short-term vacant policy may fill that gap.


Can I buy American Modern insurance online directly? The carrier generally sells through independent agents, so you would work with an agency like MVP.


Specialty homes are worth insuring properly, and the right policy usually comes down to small details like water limits, vacancy rules and how value is settled. Bring us your property and we will compare American Modern with other options so you can choose with confidence. Start your quotewith our Zelienople, PA or New Springfield, OH team. MVP Insurance holds Pennsylvania license #519263, Ohio license #37714, NPN 10588293.

MVP Insurance is a local, independent agency, licensed to serve individuals and businesses across Ohio and Pennsylvania.

We serve clients from our offices in New Springfield, Ohio and Zelienople, Pennsylvania and throughout Northeast Ohio and Western Pennsylvania, working with multiple carriers to help contractors, landlords and real estate investors, restaurants, retail shops, auto repair shops, professional offices and many other personal and commercial clients find coverage that fits.

Our Owners

Two friends who started an agency

Owner

Joshua Medure

I am a Penn State marketing graduate with more than ten years in insurance. My childhood friend David and I started MVP Insurance in Northeast Ohio because we wanted the people around us to have an agency that gives honest advice, real choices and someone who picks up the phone. I lead the agency’s insurance strategy, which means I read the policies so our clients do not have to. Away from the office, I coach youth football.

Connect on LinkedIn

About the Author

Joshua Medure

Owner, MVP Insurance

I am a Penn State marketing graduate with more than ten years in insurance. My childhood friend David and I started MVP Insurance in Northeast Ohio because we wanted the people around us to have an agency that gives honest advice, real choices and someone who picks up the phone. I lead the agency’s insurance strategy, which means I read the policies so our clients do not have to. Away from the office, I coach youth football.

Personal Insurance in Ohio & Pennsylvania

Coverage for your home, your car, and your family

Protect the everyday things that mean the most to you.

Homeowners Insurance

Your home is one of your most valuable assets. We compare carriers to protect the house, your belongings, and your liability.

Car Insurance

We proactively shop the market to find the best combination of coverage and price for every car in your driveway.

Renters Insurance

Own a condo or rent your home? We insure your unit, your belongings, and your personal liability at a fair rate.

Umbrella Insurance

Extra liability protection above your home and auto policies. Large coverage limits for a small added cost each year.

Life Insurance

Protect the people who rely on you most, so they can keep their home and lifestyle if the unexpected happens.

Flood Insurance

Standard home policies do not cover flooding. We help you add flood coverage through the NFIP or a private carrier before the water rises.

Business Insurance in Ohio & Pennsylvania

No matter how big or small your business, we protect it

Practical coverage for your people, your property, and the work you do.

General Liability

Protection when someone outside your business is hurt or their property is damaged because of your work or your premises.
Explore More

Business Owners Policy

One policy that bundles property and liability for small businesses. Simple, affordable protection for your building and contents.
Explore More

Professional Liability

Protection when a client says your advice or work caused them a loss. A staple of any solid commercial package.
Explore More

Commercial Property

Helping landlords and commercial real estate investors insure their buildings, habitational risks, and the rental income they produce.
Explore More

Workers Compensation

Protecting your employees is protecting your business. Medical bills and lost wages covered when someone gets hurt on the job.
Explore More

Commercial Auto

With a wide selection of commercial auto carriers, we find the right coverage for your trucks, vans, and drivers.
Explore More

Industries We Serve

Insurance built around the work you do

Every industry carries different risks. We know the coverage each one needs and shop the carriers that write it well.

Contractors Insurance

General contractors, remodelers, roofers, and trade crews. We cover the liability, tools, vehicles, and workers your jobs depend on.

Plumber Insurance

Water damage claims follow plumbers everywhere. We cover your liability, your tools, your van, and your crew, job after job.

Restaurant Insurance

Kitchens, bars, and cafes face fire, spoilage, and slip risks. We package property, liability, and liquor coverage in one plan.

5-Star Rated on Google

What our clients say

Our clients say it best. Here is what they share about working with Josh, Dave, and the MVP team.

Contractors & Tradesmen

General contractors, roofers, electricians and plumbers. We cover liability, tools, vehicles and crews so every job stays protected.

Explore More

Insurance Tips & News

Insurance tips for Ohio and Pennsylvania families and businesses

Practical ideas for protecting what matters to you.

How to File an Insurance Complaint in Pennsylvania: What the Insurance Department Handles, How to

How to File an Insurance Complaint in Pennsylvania: A Step-by-Step Guide

24 October 2026
How to File an Insurance Complaint in Pennsylvania. What Pennsylvania households should know, explained in plain English by a local independent agent.
Pennsylvania Insurance Guaranty Association Explained: What Happens When an Insurer Fails, Claim

Pennsylvania Insurance Guaranty Association Explained: What Happens When an Insurer Fails

24 October 2026
Pennsylvania Insurance Guaranty Association Explained. What Pennsylvania homeowners should know, explained in plain English by a local independent agent.
Pennsylvania Auto Insurance Cancellation and Nonrenewal Rules: Notice Periods, Allowed Reasons Under

Pennsylvania Auto Insurance Cancellation and Nonrenewal Rules: What Drivers Should Know

24 October 2026
Pennsylvania Auto Insurance Cancellation and Nonrenewal Rules. What Pennsylvania drivers should know, in plain English.

Insurance Questions, Answered

Questions our clients ask

A little clarity can make your next step easier.

  • What does an independent insurance agency do?

    An independent agency works with multiple insurance companies. We compare your options, explain the differences, and help you choose coverage that fits your needs.

  • Can MVP Insurance quote both my home and auto?

    Yes. We can compare home and auto insurance options together. We explain available discounts and check how the policies work together.

  • Do you insure businesses in Ohio and Pennsylvania?

    Yes. We help businesses in both states compare options for property, liability, employees, and commercial vehicles. The right policy depends on your work and the risks involved.

  • How do I import my current policy for a quote?

    Use our Canopy policy import link to share your current policy information. Our team can then review your existing coverage and compare options with you.

  • How do I report a claim or make a payment?

    Visit our Client Center for billing and claims information. You can also call either office for help finding the right carrier contact.

  • How often should I review my insurance?

    Review your coverage each year and after a major change, such as a move, new vehicle, or business expansion. Tell us what changed so we can help you check your protection.

Covington office, Monday through Friday

Call

614 E. Boston St., Covington, LA 70433

58418 Tyler Drive, Slidell, LA 70461

Request Your Free Quote

Let's make insurance simple for you

Tell us what you need. We will help you explore your options.

Call Pennsylvania