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
Aegis General Insurance Agency is a program administrator focused on residential property niches rather than broad standard HO portfolios. Public-facing material emphasizes that they remain committed to manufactured homes, vacant structures, and rental/seasonal dwellings and are exiting certain broad affordable homeowners and dwelling products (e.g., Affordable Homeowners all states; Dwelling Basic in select states; Dwelling Special all states) with a moratorium on new business and non‑renewals handled in accordance with state requirements. This suggests current appetite is concentrated on targeted specialty housing segments, not mass‑market homeowners. Preferred business (home-related): - Manufactured homes and other factory-built housing are core: single‑ or double‑wide mobile/manufactured homes, permanently sited travel trailers, modular homes, and tiny homes. Coverage is offered for structure and personal property, and this is described as a major focus of Aegis Security/Aegis General programs. - Specialty and underserved housing markets: rental properties/landlord dwellings, vacant structures, and seasonal/secondary homes are actively marketed as target segments under Aegis’s Affordable Housing and Specialty personal lines brands. - Residential property programs are distributed nationwide, but capacity and availability vary by state and by specific program; they rely on multiple admitted and non‑admitted carrier partners, and brokers should expect state‑specific eligibility and product maps. Restricted or declined classes (operational implications): - Affordable Homeowners and Dwelling Special programs have been or are being withdrawn in all states; Dwelling Basic is withdrawn in a listed subset of states. These lines should be treated as closed to new business where moratoriums have been imposed, and agents should expect book non‑renewals over time. New HO or dwelling submissions should be steered toward active manufactured housing, landlord, vacant, and seasonal programs instead of prior ‘affordable homeowners’ offerings. - Aegis positions itself as disciplined and targeted in risk selection. While detailed rule‑by‑rule HO underwriting criteria (e.g., age of home, protection class) are not published on the public site, the focus on ‘specialty’ and ‘underserved’ housing and the partnership model with multiple carriers implies that risks outside these niches (e.g., standard preferred HO3 in competitive markets) are not the priority and may be less competitive or not available in all territories. Geographic notes: - Aegis General/Aegis Security are licensed and/or writing across all 50 states and DC, but specific product availability is state‑dependent. Aegis publicly notes exiting certain manufactured home and dwelling products in particular states (e.g., manufactured home in CO, KY, LA, MS, NJ, SD; Dwelling Basic in CO, KY, LA, MS, NC, NJ, OK) and all states for some other dwelling/HO programs, while maintaining a broader nationwide manufactured housing/affordable housing presence via other capacity arrangements. - Agents should not assume a product is available in all states; they should verify eligibility and open programs through the Aegis producer portal and current product map before quoting. Submission and producer requirements: - Business is written through appointed producers using the Aegis General online portal. Existing producers log in to rate, bind, and manage policies; new agencies must enroll via the ‘Become a Producer’ flow, which offers e‑sign applications, weekly webinars, and field/marketing support. - Product selection and quoting for homeowners, dwelling fire, renters, earthquake, DIC, equipment breakdown, and E&S home coverages are done via the portal, which embeds state‑ and program‑specific underwriting rules and moratoriums. Agents are expected to follow on‑screen eligibility questions and program guides rather than manual paper guidelines. - Aegis uses electronic communications and agency management system feeds (IVANS eDocs/downloads) to notify producers of moratoriums, pending cancellations, and non‑renewals. Agents are instructed to monitor the ‘Policies Pending Cancellation’ and News Feed sections inside the portal for current non‑renewal and exit details. Broker/producer notes: - Aegis markets ‘industry leading’ commissions on new and renewal business and encourages use of its training webinars and marketing resources. - Because product availability has shifted (with recent exits from some HO/dwelling programs), producers should treat any third‑party underwriting guides or appetite maps as stale unless confirmed in the Aegis portal or in the latest official product map. - For any manufactured home or specialty housing submission, confirm that you are using an active program and carrier paper; when in doubt, verify with Aegis underwriting support using the contact information on the program sites and adhere to any state‑specific moratorium or withdrawal instructions before binding. Overall, operationally assume: Aegis wants specialty residential property (manufactured homes, landlord/rental, vacant, seasonal, and related coverages like DIC, earthquake, equipment breakdown, and selected E&S), with tight control of which products and states are open at any given time. Standard HO3 or broad affordable homeowners is no longer a key appetite; all submissions should go through the Aegis producer portal where current program‑level underwriting rules, questions, and moratoriums are enforced.