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
Verified producer-facing guidance is published through Aegis Easy / Aegis Specialty for California personal residential property. Current producer resources show program guides for Homeowners (HO3/HO4/HO6), Dwelling Fire, DIC, Earthquake, and E&S options, and note added Hiscox E&S capacity for California home and fire programs. For Homeowners, Aegis markets primary-residence HO3/HO5 solutions in California, with admitted and non-admitted options, integrated dwelling valuation, wildfire/roof/loss-history data at quote, and point-of-sale underwriting alerts; the public product page highlights dwelling values up to $800,000 new business and $875,000 at renewal. The detailed California HO guidelines support Homeowner, Renter, and Unit-Owner business, with Homeowner eligibility focused on single-family owner-occupied primary residences; no more than one boarder/roomer; no other rented space; and 12-month terms (minimum 6 months for short initial terms). Submission/binding instructions require the Aegis electronic application for all new business, all questions fully completed by producer and applicant, signed application retained after binding, and producer retention of supporting documentation subject to current submission procedures. Operationally, inspections are performed on all new Homeowner and Unit-Owner policies, with follow-up inspections on all Homeowner renewals and alternating Unit-Owner renewals; there is a $25 policy fee per new/renewal policy and a $40 inspection fee when inspection is performed. Geographic/cat notes are important: Aegis may impose catastrophe restrictions by event or concentration, uses zip-code and radius capacity management, and the California HO guide lists unacceptable locations including wildfire score greater than 0Y, within 500 feet of brush, within a State or National Forest, inaccessible to emergency equipment, or in increased flood/wave wash/sinkhole/mudslide areas. Preferred/acceptable traits include owner-occupied primary homes, insured to full estimated replacement value, acceptable permanent heat, copper wiring, acceptable plumbing materials, and defensible space clearing vegetation 100 feet from structures or to the property line. Key restricted/declined items in the California guide include vacant, secondary, or seasonal Homeowner risks; illegal activity; rooming house/fraternity/sorority/student-housing occupancies; commercial activity rented to others; more than 2 paid losses in 60 months or more than 1 paid loss involving non-weather water, fire/smoke, vandalism, or theft; foreclosure situations; tenant in possession adverse to owner; title in business/corporate name for Homeowner or Unit-Owner risks (family trust acceptable); more than 2 mortgagees/lenders; poor property maintenance; unfenced or poorly maintained pools/spas; abandoned vehicles; high-liability home business foot traffic; barns/farming equipment over $20,000; outbuildings over 1,200 sq. ft.; fuse-based power, aluminum or knob-and-tube wiring; unacceptable plumbing such as polybutylene; and inadequate defensible space. Liability limitations are notable: no liability for trampoline, pool slide, or diving board losses, and animal liability is limited/excluded for certain breeds, dogs with bite history, and farm/exotic animals. Roof underwriting is active: roof age must be disclosed, proof required if updated, condition verified by inspection, and poor-condition roofs are limited to fire/lightning only; replacement cost eligibility varies by roof type, age, and condition. Producer notes: customer service/underwriting is handled through the producer resource center, downloadable program guidelines are available there, webinar/new-producer resources are published, and onboarding/IVANS/storefront forms are available from the producer resources page.