Excess and Surplus Insurance (E&S)
Available in
E&S Insurance Highlights
- Premium home insurance policies (HO3 & DP3)
- Primary owner-occupied homes (HO3) as well as owner, tenant, seasonal & vacation rental (DP3)
- Dwelling values up to $1,000,000 on new business and $1,250,000 on subsequent renewals
- A (Excellent) ratings from A.M. Best
- Dwellings built in 1900 or newer
- Up to 25% extended replacement cost coverage included
- $100,000 personal liability and $50,000 animal liability included
- Stand-Alone DIC policies available in areas of higher wildfire exposure
- Green Coverage & bundled coverage packages available
- Open perils endorsement (HO5) available for Personal Property coverage
- Numerous discounts available, including auto insurance, roof replacement credits, burglary and/or fire alarm discounts
Individual product coverage, limitations and exclusions may vary by state. Not all products available in all states.
Downloadable Resources
The resources below support your sales process for the Aegis E&S program. Client-ready materials are noted where applicable.
- E&S Flyer: One-page program overview. Print or share directly with clients.
- HO3 E&S Program Guidelines: Underwriting guidelines and eligibility requirements for the HO3 E&S program (Agent Reference).
- DP3 E&S Program Guidelines: Underwriting guidelines and eligibility requirements for the DP3 E&S program (Agent Reference).
Premium home and dwelling fire insurance for your clients’ primary, seasonal, and rental properties
Aegis General provides premium E&S homeowners and Dwelling Fire insurance — HO3 and DP3 policy forms covering your clients’ primary, seasonal, and rental properties, with dwelling limits up to $1,000,000 at policy inception.
Our automatic Inflation Guard keeps the dwelling coverage current and provides dwelling limits up to $1,250,000 on subsequent renewals. In addition, Extended Replacement Cost coverage provides an added level of protection, up to 25% of the dwelling value.
Premium Home Protection Made Simple
Aegis’ excess and surplus (E&S) markets offer excellent capacity to support the standard homeowners market. Our E&S offerings are designed to meet the needs of clients seeking premium home and dwelling fire insurance. We’ve applied our ease-of-use principles, such as easy compliance with automated pre-fill SL2 forms, to all of our E&S programs. And our entire underwriting and service team is trained and ready to assist you.
