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
