NEW TO NC: Homeowners coverage for hard-to-place homes
Posted on March 31, 2026
Trusted Expertise Now for Homeowners Insurance!
Key Takeaways:
- A Homeowners E&S product (HOMES) with all-in-one coverage
- Backed by a carrier rated A (Excellent) by AM Best
- Limits up to $1M with replacement cost options
- Now available in all counties across North Carolina
For more than a decade, Aspera has been making the hard-to-insure easy to please with access to flexible manufactured home coverages.
Now, we’re applying our extensive experience writing hard-to-place risks to a Homeowners E&S product that we call HOMES.
Get to know HOMES |
WHO |
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HOMES provides coverage for homeowners with hard-to-insure risks, including PC 10 ratings, wildfire exposures, coastal locations with wind, short-term rentals, prior loss histories, or unusual building materials like metal siding, etc. |
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WHAT |
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We access two unique coverage forms, each with options that include dwellings, other structures, personal property, additional living expenses, personal liability, and more. Choose from the Preferred policy, which offers coverage of dwelling and content losses at replacement cost value (RCV), or the Select form with actual cash value (ACV) coverage options. |
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WHERE |
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Access to coverage is available in all counties and parishes across California, Colorado, Louisiana, Texas—and now North Carolina! |
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WHY |
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HOMES offers one-stop convenience. We access a homeowners policy special form that provides liability coverage and protects dwellings, other structures, and personal belongings in a single policy. |
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HOWReady to get started? Request an appointment today. Our process is so simple that once you submit your request, you could be sending out quotes within the day! |
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