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
Other solutions to consider

If a home is vacant, it can be eligible to be placed in our Dwelling Basic program.

Passionate boat owners take care of their vessels, so they’ll be looking for more from their insurance coverage. Our Boat program offers bow-to-stern protection.

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.

Other solutions to consider

If a home is vacant, it can be eligible to be placed in our Dwelling Basic program.

Passionate boat owners take care of their vessels, so they’ll be looking for more from their insurance coverage. Our Boat program offers bow-to-stern protection.

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.

Other solutions to consider

If a home is vacant, it can be eligible to be placed in our Dwelling Basic program.

Passionate boat owners take care of their vessels, so they’ll be looking for more from their insurance coverage. Our Boat program offers bow-to-stern protection.

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.