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, AMsuite+, 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.
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, including roof cosmetic damage exclusion and
swimming pool slide and diving board liability exclusion, apply.