When a Traditional HO-3 Isn't an Option...

We recognize that not all property owners have the same needs. We also recognize that there are many different situations can make finding a standard Homeowners policy challenging. Concorde partner American Modern has created a new Homeowners FLEX product to help fill this gap! Questions? Reach out to our Personal Lines Team.   

Homeowner FLEX Program Availability within Concorde's Territory:
Arizona, Minnesota, Nebraska, Oregon, Wisconsin, Wyoming

**HO-10 Product Available in Other States - Click Here For Details**

Quote Now in AMsuite 


Homeowners FLEX lets you protect more customers in more ways

The Homeowners FLEX product lets you customize coverage for more customers, even those whose homes have age, claims, and location concerns. This program offers the same open peril protection (aka all risk) and replacement cost settlement that’s at the core of a typical HO-3 policy.*

  • Write owner-occupied, seasonal, and vacation homes.
  • Cover homes that do not have a place in the standard HO-3 market due to claims, age, size, or value concerns.
  • Dial up or down the coverages for water damage, liability, named peril personal property, loss of use,
    other structures.
  • Add options such as occasional rental, earthquake, service line failure, or ID recovery.
  • Seasonal homes are accepted and coverage remains unmodified during the off-season vacancy. 

You’ll be comfortable writing this new product because the coverage is based on the ISO HO-3 form you already know
well, and with a company that is rated A+ (Superior) by A. M. Best Company.

Additional Program Details   Quote Now in AMsuite

*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. Roof cosmetic damage exclusion and swimming pool slide and diving board liability exclusion apply.


Have you tried our Concorde Navigator?
 

This online tool can help you narrow down which
programs may be a fit for your Personal Lines
Property account.  Click Here to Try It!

 

 

 

Select your Risk State to filter available programs.

AMsuite Homeowners (HO-10)

American Modern Insurance Group

Offer this packaged solution for a home that needs more than just fire coverage. The homeowners product provides a package of coverage for a full-time or seasonal home that because of its value, age …

Homeowners FLEX

American Modern Insurance Group

Homeowners FLEX lets you protect more customers in more ways The Homeowners FLEX product lets you customize coverage for more customers, even those whose homes have age, claims, and location conc…