DP-3 & DP-1 policies for primary, secondary, tenant, vacation rental and vacant occupancies.

Dwelling Fire Insurance Highlights

  • Limited replacement cost (DP3) and actual cash value (DP1) policies available
  • All occupancies supported
  • Dwelling values up to $800,000 (DP3) or $750,000 (DP1)
  • Dwelling built in 1900 or newer
  • Personal liability coverage available with personal injury option
  • Dwellings can be titled in the name of a corporation, LLC or business
  • DIC endorsement available for policies located in areas of higher wildfire exposure
  • Green Coverage & bundled coverage packages available
  • Numerous discounts available, including auto insurance, multi-policy and loyalty credits

Individual product coverage, limitations and exclusions may vary by state.  Not all products available in all states.

Product Innovation

  • Aegis General’s integrated dwelling valuation tool for single-family homes helps clients get just the right amount of coverage for their homes, including those with actual cash value coverage.  A full dwelling valuation report is provided at binding.
  • Real-time data integration throughout the quote process provides accurate wildfire hazard, roof exposure and loss experience assessments.
  • Point-of-sale underwriting alerts advise of additional items that may be needed at the time of policy issuance, reducing stress and eliminating post-bind underwriting surprises.

For seasonal, secondary, tenant, vacation rental and vacant homes, Aegis General provides a dwelling fire program with both DP3 (limited replacement cost) and DP1 (ACV) policies available. In addition, personal liability can be added by endorsement, making the Aegis dwelling fire policy into a true multi-peril policy form.

But more than that, at Aegis we integrate cutting-edge tools and technology to provide real-time guidance on estimated replacement costs, updated roof data, wildfire exposure and loss history right at the point-of-sale. It’s a heavy investment, but one we feel is worth your time and confidence by providing the best information available at your fingertips and significantly reducing post-bind underwriting surprises.

And of course, we have all the various coverage options, deductibles and discounts you would expect from a top-tier property market.

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