Homeowners deserve more than the “last resort”
Posted on February 17, 2026
Where Others See Risk, We See Opportunity
Key Takeaways:
- HOMES protects properties even in PC 10-rated areas & coastal regions
- Liability, dwellings, structures, & personal property can be covered under one policy
- Simple appointment process could have you quoting within the day
Protecting homeowners is your priority; placing hard-to-insure risks is ours. We make it our goal to deliver homeowners insurance solutions that open new possibilities for your clients.
Welcome to HOMES: Built for your hard-to-place risks
Homeowners in areas classified as a protection class 10 (PC 10) and/or in high-risk coastal locations often face non-renewals or forced placements into last-resort insurance programs. Fortunately, there’s HOMES.
HOMES is an excess & surplus (E&S) homeowners insurance product written through a non-admitted carrier with an A (Excellent) rating from AM Best. Backed by E&S flexibility, HOMES was built to protect properties in the toughest locations, including PC 10-rated areas, coastal regions, and high-wind/hail zones.
Aspera has been placing high-risk manufactured homes along the Gulf and Atlantic coasts for more than 12 years. Now, as the exclusive wholesaler of HOMES, we lean into our industry expertise and know-how to bring more options to more clients.
HOMES combines coverage for liability, dwellings, structures, and personal property in one policy with limits up to $1M and replacement cost options. HOMES is currently available in California, Colorado, Louisiana, and Texas with more states coming in 2026.
Learn more about HOMES coverage options—or request an appointment today. Our process is so simple that once you submit your request, you could be sending out quotes within the day.
If you’re already appointed with Aspera for manufactured homes in Louisiana or Texas, or for Commercial Lines in California or Colorado, you’re ready for HOMES! Email brokerageops@asperains.com to request log-in credentials.