American Modern Logo

Insurance solutions
Customer center
About us
Occupancy type
Recreational products
Insurance solutions
  • Residential chevron_right
  • Recreational chevron_right
  • Pet Health
  • All solutions
Customer center
  • Make a payment
  • File a claim
  • Track a claim
  • Contact us
  • Blog
About us
  • Company
  • Culture
  • Careers
Occupancy type
  • Full time
  • Part time
  • Rental
  • Vacant
Recreational products
  • Collector Vehicle
  • Motorsports
  • Boat
  • Yacht
Please Author Variation Path on the Component
Please Author Variation Path on the Component
Please Author Variation Path on the Component
Please Author Variation Path on the Component
  • Home
  • /
    Residential
  • /
    Homeowners FLEX®

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
Homeowners FLEX® at a glance
We cover properties in many shapes and sizes
  • No age restriction
  • Average condition or better
  • Values from $50K up to $1M (range varies by state)
  • No age restriction
  • Average condition or better
  • Values from $50K up to $1M (range varies by state)
  • No age restriction
  • Average condition or better
  • Values from $50K up to $1M (range varies by state)

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. 
American Modern Chat
close
Contact American Modern
close
We're here for you
Need help now?
Chat with our virtual assistant 24/7. You can check on your claim, get billing details, sign up for EZPay automatic payments, and more.
Customer Service
We are here to assist you Monday through Friday, between the hours of 8 AM and 8 PM, EST.
Customer service phone +1 (855) 469-2644
Customer service phone
+1 (855) 469-2644
Customer Service Email servicecenter@amig.com
Customer Service Email
servicecenter@amig.com
Don’t see what you need?
Visit our customer support center.
American Modern Logo
Facebook
For policyholders
  • Make a payment
  • Enroll in EZPay
  • File a claim
  • Track a claim
Insurance solutions
  • Recreational
  • Residential
  • Pet Health
  • All solutions
About us
  • Company
  • Culture
  • Careers
  • Apply now
Contact us
  • Chat
  • Give us a call
  • Send us an email

Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may vary or not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including but not limited to American Modern Property and Casualty Insurance Company (CA Lic. No. 6129-1).

American Modern Insurance Group, American Modern, AMsuite, modernLINK, and Homeowners FLEX are registered trademarks of American Modern Insurance Group, Inc. All other names, logos, and brands described herein are trademarks or registered trademarks of their respective holders, and use herein does not imply affiliation with or sponsorship or endorsement by them of American Modern, its products, or its services.

Privacy | California consumer privacy rights | Terms of use | Cookie settings
 © ${year} American Modern Insurance Group.All rights reserved.