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Aegis General:
Market Differentiation with Our Affordable Homeowners Insurance Program

Aegis General offers its agency distribution partners an insurance product for property owners in the affordable housing market at a fair price through Aegis Security Insurance Company, an A.M. Best “A-, Financial size VII” rated carrier. Our Affordable Homeowners product focuses on safeguarding the property and assets of clients typically not available through the standard markets. Our product is designed for risks that may have sustained one or two minor losses or have a property with an aging roof. Some insureds may own a dog breed that would otherwise deem the entire risk ineligible. Aegis General offers special limitations or exclusions to reduce these exposures while maintaining a risk’s eligibility.

Affordable Homeowners Program Highlights

  • Occupancies – Owner & Seasonal
  • Value – Up to $500,000 Coverage A, depending on geography
  • Valuation – Integrated ACV valuation software tool or choose your own Market Value in determining Coverage A
  • Protection Class – All are acceptable
  • Age of Home – All are acceptable (with a focus on homes 10+ years old)
  • Prior Claims – Two prior losses may not make the risk ineligible
  • Animal Injury Liability – All dog breeds are acceptable


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Individual product coverages, limitations, and exclusions may vary by state.

Coverage Features

  • Fire or Lightning
  • Windstorm or Hail
  • Explosion
  • Riot or Civil Commotion
  • Damage by Aircraft or Vehicle
  • Smoke
  • Vandalism & Malicious Mischief
  • Burglary
  • Glass Breakage
  • Personal Liability including medical payments to others
  • And Much More

Property coverages respond to the dwelling, unattached structures and personal property. In addition, rental value and additional living expenses are available if a loss renders the property uninhabitable for a period of time. Other additional coverages include: fire department service charge, the cost to remove property from the property if it’s a threat and debris removal among others.

To learn where we offer our Affordable Homeowners insurance product, please click here.

Best-in-Class Claims Service from Aegis Security

Aegis Security Insurance Company provides superior claim service, no matter the size or type of loss. In addition to providing superior day-to-day claims handling service, Aegis Security Insurance Company has built a dedicated mobile catastrophe claims team that responds to events immediately — in some cases they are there even before the catastrophe is over! Aegis Security Insurance Company’s mobile catastrophe claims teams utilizes licensed adjusters and appraisers who are able to issue payments on the scene, with authority to settle claims in the fastest, most efficient way possible.

Grow your book of business with Aegis General.

We invite you to learn more about our Affordable Homeowners insurance program and becoming a producer with Aegis General. We can help you expand your footprint in this market segment. As specialty property insurance specialists with an emphasis on addressing the needs of hard-to-place habitational risks, we can assist you in delivering a product that is both comprehensive and competitive. Contact us at (866) 662-5752 or complete the form at the top of this page