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Products, coverages, and discounts are not available to all persons, in all states or apply to all possible risks. Terms, conditions and exclusions may apply. Policies are subject to underwriting review and approval. Rates are derived from a number of factors, which can influence the price, discounts and savings. Your rate may be higher or lower. Rates are subject to change. Policies are written by one of the companies of American Modern Insurance Group, which includes American Modern Home Insurance Company and American Family Home Insurance Company.