• Lines of Business:

Primary Occupancy Homeowners ( HO3, HO-4, HO -6)

Dwelling Fire

DIC

Renters

Equipment Breakdown

Earthquake

Seasonal

Rental

Tenant

• Aegis Advantage: A.M. Best, ‘Excellent’ Rated

Admitted and Non admitted Paper

Any Protection Class

Older Homes Accepted

State-of-the-art Quoting and Issuance System

Real-time Rating

• Why this program stands out:

• Aegis’s Homeowners Program supports HO-3 and HO-5 policy forms for owner-occupied primary homes. Coverage is available up to $800,000 for new business and $875,000 on renewal, giving you strong dwelling limits.

• It includes optional extended replacement cost coverage (up to 25% of dwelling value) and open perils coverage for contents (via the HO-5 endorsement) — this means more comprehensive protection for your home and personal property.

• • The program emphasizes modern underwriting tools: roof age, wildfire exposure, replacement cost valuation — all designed to give accurate pricing and avoid surprises.

• Given the unique risk environment in California (wildfire, earthquake potential, older homes, etc.), having a program administrator experienced in specialty risk placement like Aegis & Insure Hive can be a real advantage.

Is this a good fit for your agency?

• If you have clients whose homes are:

• Owner-occupied (the live there as their primary residence)

• In good condition (roof, wiring, plumbing)

• Valued within the coverage limits noted above

• Located in a jurisdiction in California where you want strong support for Catastrophe/Fire exposure