Homeowners insurance for primary homes with an available HO5 endorsement to provide open perils coverage for contents.

Download: HO3 digital brochure
Download: HO3 program guidelines
  • Top-tier home insurance policies (HO3 & HO5)
  • Primary owner-occupied homes
  • Dwelling values up to $800,000 on new business and $875,000 on subsequent renewals
  • Dwelling 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, multi-policy and loyalty credits

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

  • Aegis General’s integrated dwelling valuation tool for single-family homes helps clients get just the right amount of coverage for their homes.  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.

Flood Preparedness

A family sits together and laughs in their home.

Homeowners Insurance

Aegis General provides top-tier homeowners insurance — HO3 & HO5 policy forms for primary residences with dwelling limits up to $800,000 at policy inception. Our automatic Inflation Guard protection keeps the dwelling coverage current and provides dwelling limits up to $875,000 on subsequent renewals. In addition, Extended Replacement Cost coverage provides an added level of protection, up to 25% of the dwelling value.

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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