Homeowners Flex

Homeowners FLEX^®

Homeowners FLEX lets you customize coverage for more customers, even those whose homes have age, claims, and location concerns. It’s based on a familiar HO-3 form, so FLEX with confidence.

What’s eligible	Occupancy type
Single or two-family No age restriction Average condition and better	Owner Seasonal

What’s eligible	Occupancy type
Single or two-family No age restriction Average condition and better	Owner Seasonal

What’s eligible
Single or two-family No age restriction Average condition and better
Occupancy type
Owner Seasonal

Included coverage
Water damage from 10%, 25%, 50%, 75%, 100% Named peril for personal property Liability from $25,000 to $1M Theft Reasonable repairs Debris removal

Included coverage
Water damage from 10%, 25%, 50%, 75%, 100% Named peril for personal property Liability from $25,000 to $1M Theft Reasonable repairs Debris removal

Included coverage
Water damage from 10%, 25%, 50%, 75%, 100% Named peril for personal property Liability from $25,000 to $1M Theft Reasonable repairs Debris removal

Important options
Earthquake Hobby farming Home equipment breakdown protection Home sharing or occasional rental Scheduled personal property

Important options
Earthquake Hobby farming Home equipment breakdown protection Home sharing or occasional rental Scheduled personal property

Important options
Earthquake Hobby farming Home equipment breakdown protection Home sharing or occasional rental Scheduled personal property

Frequently asked questions

Are there any restrictions for the age of the home or roof?

In most states, we will write any age home or roof. However, if the home or roof is older, we may require Actual Cash Value (ACV) rather than replacement cost.

Does the Homeowners Flex program provide full water coverage?

100% water coverage is provided, but customers can also select lower amounts down to 10%. Customers should pay close attention to their water selection as this limits the payout if there is a claim.

Can my customers get insurance if their property has defects or items that need to be repaired?

Yes, but our Dwelling Basic product is a better solution for these scenarios. The Homeowner product is designed for dwellings of average or better quality.

Can my customers rent out a room and still have insurance?

Yes, we have an occasional rental endorsement that allows customers to temporarily rent out a room or their entire house. However, risks with full-time rentals belong in Dwelling products rather than Homeowner products.

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