Homeowners FLEX®
You don’t live in a cookie cutter home. You shouldn’t settle for cookie cutter coverage. With American Modern, you’re free to adjust your policy and protection levels to find the fit that’s right for you.
Need to cover something else?
See all of our options.
Coverage highlights
Many property types welcome
Single-family or two-family construction
Coverage choices
Replacement cost for dwelling and other structures and named peril for personal property
Plenty of extras and options
Occasional rental, earthquake; service line failure, identity theft recovery, and more
Discounts that build savings
10 possible discounts could save you 20% or more
Homeowners FLEX® at a glance
Take coverage customization to the next level with American Modern, where unique is standard.
How you’re protected:
- Replacement cost for dwelling and other structures or modified replacement cost for homes built in or before 1960
- Replacement cost for newer roofs with actual cash value for older roofs (varies by state)
- Optional loss settlements—actual cash value, full repair cost, and extended replacement cost
Included coverage:
- Liability, theft, and named peril personal property
- Other structures available, reasonable repairs, debris removal, loss of use (pays additional costs for housing and living expenses), loss assessment if you live in a shared community, and fire department surcharge
- Select water coverage options: 10%/25%/50%/75%/100% of coverage
Enjoy extra options:
- Earthquake, home sharing or occasional rental
- Identity theft recovery, home equipment breakdown protection, and service line failure
- Ordinance or law coverage to rebuild your home if it’s been destroyed and to upgrade it to current codes, theft, water backup/sump overflow
- Scheduled personal property
You should know:
- In states where Homeowners FLEX® is not offered, talk with your agent about what’s right for you
We cover properties in many shapes and sizes
|
|
|
|
|
|
|
|
|
Talk to an agent
Agents can answer your questions, explain any requirements, and provide a quote. Use our search tool to find one near you.
Please refer to the applicable Homeowners FLEX Program Manual for complete details. Different sub-limits may apply that vary from a standard HO-3 policy. “All risk” pertains specifically to dwellings and structures. Mandatory exclusions, such as roof cosmetic damage exclusion and swimming pool slide and diving board liability exclusion, apply.