Aegis General Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Scope / positioning - Personal property segment focuses on primary HO, E&S HO and dwelling fire, DIC, and related coverages delivered via the Aegis General portal. Product pages provide high-level underwriting parameters; detailed manuals and program guideline PDFs (per product page links) govern binding authority. Core appetite – standard Homeowners (HO3/HO5, admitted) - Target: Primary owner-occupied 1–4 family dwellings written on HO3 with optional HO5 (open perils) endorsement for contents. - Values: New business dwelling limits up to $800,000; automatic inflation guard can increase to $875,000 on subsequent renewals. - Age of home: Dwellings built 1900 or newer. - Coverage features: Up to 25% extended replacement cost included; HO5 endorsement for open perils personal property; $100,000 personal liability and $50,000 animal liability included.([aegiseasy.com](https://aegiseasy.com/homeowners-insurance/)) - Tools/underwriting: Integrated dwelling valuation at point of sale; real-time data for wildfire hazard, roof exposure, and loss history; point-of-sale underwriting alerts to surface required info before or at bind, aiming to reduce post-bind underwriting corrections.([aegiseasy.com](https://aegiseasy.com/homeowners-insurance/)) - Discounts: Multi-policy (including auto), loyalty, and other typical preferred credits available; exact availability varies by state.([aegiseasy.com](https://aegiseasy.com/homeowners-insurance/)) - Markets: Mix of admitted and non-admitted solutions available to give flexibility in stressed home markets; coverage, limits, and availability vary by state.([aegiseasy.com](https://aegiseasy.com/homeowners-insurance/)) Core appetite – Excess & Surplus (E&S) HO3/DP3 - Target: Premium home and dwelling fire risks that fall outside standard markets, including primary, seasonal, and rental properties. - Occupancy: - HO3: Primary owner-occupied dwellings. - DP3: Owner, tenant, seasonal, and vacation rental dwellings. - Values: Up to $1,000,000 Coverage A at new business; up to $1,250,000 via inflation guard on renewal. - Age of home: Dwellings built 1900 or newer. - Coverage features: HO3 and DP3 forms, 25% extended replacement cost, $100,000 personal liability and $50,000 animal liability, optional HO5/open perils on personal property, stand-alone DIC available for high-wildfire areas. - Discounts: Auto, roof replacement, burglary/fire alarm, and other risk-improvement credits as available. - Carrier strength: Supported by A (Excellent) A.M. Best rated paper.([aegiseasy.com](https://aegiseasy.com/excess-surplus/)) - Operational: E&S platform includes automated surplus lines (SL2) pre-fill for easier compliance and an underwriting/service team specifically trained on E&S workflow.([aegiseasy.com](https://aegiseasy.com/excess-surplus/)) Core appetite – Dwelling Fire (DP3/DP1, admitted "Fire Insurance") - Target: Non-primary or non-standard occupancies placed on dwelling forms, including vacation rentals, seasonal/secondary, tenant-occupied, and vacant dwellings. - Forms: DP3 (limited replacement cost) and DP1 (ACV). - Values: Up to $800,000 Coverage A for DP3 and $750,000 for DP1 on new business. - Age of home: 1900 or newer. - Occupancy: All occupancies supported (including tenant, seasonal, vacation rental, and vacant) – specific conditions/endorsements governed by the Fire Insurance Program Guidelines (DB Insurance) PDF. - Coverage features: Personal liability with personal injury option; dwellings may be titled to a corporation, LLC, or business; stand-alone DIC available for higher wildfire exposure areas; green coverage and bundled coverage options.([aegiseasy.com](https://aegiseasy.com/fire-insurance/)) - Underwriting tools: Same integrated dwelling valuation and real-time data (wildfire, roof, loss history) with point-of-sale underwriting alerts used across homeowners products.([aegiseasy.com](https://aegiseasy.com/fire-insurance/)) Difference in Conditions (DIC) – wildfire focus - DIC is positioned as a complement to HO and dwelling fire for properties in high wildfire-exposure areas. Product page language indicates use for filling gaps where standard markets restrict fire or catastrophic peril coverage; stand-alone DIC is explicitly referenced as available in higher wildfire exposure territories for both HO and dwelling products.([aegiseasy.com](https://aegiseasy.com/homeowners-insurance/)) Other referenced personal lines products - Renters (HO4), equipment breakdown, and earthquake are listed in the AegisEasy product guide navigation but detailed underwriting parameters are accessed via separate product pages and/or flyers and guidelines PDFs, not fully visible in the main summaries.([aegiseasy.com](https://aegiseasy.com/)) Geographic & carrier notes - Aegis indicates admitted and non-admitted solutions for home insurance, suggesting different carrier partners/structures by state and risk profile.([aegiseasy.com](https://aegiseasy.com/homeowners-insurance/)) - Program withdrawal communications (via distribution partners) show Aegis has exited certain Affordable Homeowners and dwelling products in multiple states, confirming appetite has tightened around targeted HO/DF and niche programs; current product map and availability must be verified by logging into the Aegis portal or reviewing latest product map communications.([agency.goindium.com](https://agency.goindium.com/carrier-updates/aegis-general-product-updates?utm_source=openai)) Preferred/target risks (operational view) - Primary HO: Well-maintained, owner-occupied single-family dwellings 1900+, within value bands noted above, with standard construction and insurable replacement cost, in territories that meet wildfire, roof, and loss-history scoring criteria. - E&S HO/DF: Higher-risk or non-standard profiles still within construction, value, and hazard thresholds—e.g., homes in more challenging wildfire territories, rentals (including vacation), and higher-value dwellings needing capacity beyond standard HO but still within $1M–$1.25M Coverage A limits. - Dwelling fire: Seasonal, secondary, tenant-occupied or vacant properties that fit age/value parameters, including those held in entity names (LLC/corporate) where personal liability and property coverage are needed. - DIC: Homes or dwellings in wildfire-exposed areas where underlying policies limit or exclude desired coverage; used as stand-alone complement to FAIR Plan or other primary markets. Common restricted/declined themes (inferred from guidelines structure and tools; confirm in PDFs) - Homes outside 1900+ build year. - Coverage A above the stated maximums for each program without special approval. - Severe prior loss history, poor roof condition, or properties in extreme hazard zones as flagged by real-time wildfire/roof/loss data. - Risks where documentation required by point-of-sale underwriting alerts is not provided at issuance. Submission and producer instructions - Distribution is producer-based via the Aegis General online portal (prod.aegisinsurance.com). Existing producers must log in to quote and bind; new producers enroll via an online application with e-sign and are supported by webinars, field support, and marketing materials.([aegiseasy.com](https://aegiseasy.com/)) - Program-specific underwriting manuals and Program Guidelines (PDFs) are referenced directly on each product page (e.g., "HO3 Program Guidelines (DB Insurance)", "DP3 E&S Program Guidelines", "Fire Insurance Program Guidelines (DB Insurance)") and must be followed for binding (limits, eligibility, inspection and documentation rules, and referral triggers).([aegiseasy.com](https://aegiseasy.com/homeowners-insurance/)) - Underwriting process is designed around real-time data and point-of-sale alerts; producers should respond to alerts and secure any additional items (photos, documentation, inspections) immediately to avoid post-bind re-underwriting or rescission. - Producer-onboarding packets from Aegis General emphasize that producers may not bind coverage outside published underwriting materials and must not disclose internal underwriting guidelines to third parties; binding prior to receipt of signed apps/down payments is prohibited.([assets.zyrosite.com](https://assets.zyrosite.com/dWxOK7Vrkqhpel0K/aegis-ii-uw-manual-AVLaqWpQ7PTyLQQv.pdf?utm_source=openai)) Broker/producer operational notes - Aegis markets itself as an ease-of-use personal property writer with high-efficiency quoting and binding, particularly in challenging California and Western wildfire markets; DIC and E&S offerings are explicitly structured to complement constrained standard markets.([aegiseasy.com](https://aegiseasy.com/)) - For current appetite and moratoriums (especially in wildfire or catastrophe-prone regions), producers are expected to monitor the Aegis portal news feed and product map communications (e.g., for product exits and new-business moratoriums). Practical guidance - Always check product-specific Program Guidelines PDFs for: - Detailed eligibility (construction type, protection class, proximity to brush/shoreline, prior losses, lapses, occupancy specifics). - State-specific variations and surcharges/credits. - Referral requirements for older roofs, high TIVs, non-standard occupancies (e.g., short-term rental intensity), entity-owned dwellings, and wildfire brush scores. - Treat portal underwriting alerts as hard stops unless/until cleared by underwriting; do not bind outside the parameters (build year, max limits, hazard tiers) without documented underwriter approval. - Confirm current availability by state for Affordable/Dwelling products and any replacement offerings, as Aegis has recently exited certain lines in multiple jurisdictions.