American Modern Seasonal Insurance

"Homeowners FLEX" text over photo of a homeowners flex house

Homeowners FLEX lets you customize coverage for more customers, even those whose homes have age, claims, and location concerns. And it’s all based on a comfortably familiar HO-3 form. So FLEX with confidence. It’s never been easier to customize and cover more.

When to write

  • Full-time or seasonal home needing coverage comparable to HO-3
  • The ability to dial up or dial down coverage levels for water damage, liability, personal property, loss of use, and other structures
  • Ideal for a home used seasonally
  • If used seasonally, cover an occasional rental
  • Town home or row home

What’s eligible

  • Single-family or two-family home
  • Values up to $1M
  • No age limit in most states (a 20-year roof age limit typically applies)
  • Above-average condition or better

Important options

  • Water backup from drain or sump pump overflow
  • Service line failure
  • Ordinance or law
  • Home sharing or occasional rental

Included coverage

  • Open peril protection
  • Replacement cost (ACV on roof) or modified functional replacement cost if the home was built prior to 1960 or earlier
  • Personal property covered for named perils
  • Liability from $25,000 to $1M
  • Water damage from 10%, 25%, 50%, 75% of Coverage A, or full coverage

Available In- OH, IL, IN, KY