Now Quoting Homeowners in DE, SC, & VA

Posted on June 30, 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 to Delaware, South Carolina, & Virginia agents

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 bringing that same expertise to site-built properties with HOMES, a new homeowners E&S product.

Get to know HOMES

WHO

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.

WHAT

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.

WHERE
Access to HOMES coverage is now available in Delaware, South Carolina, and Virginia, as well as in Alabama, California, Colorado, Florida, Georgia, Louisiana, Mississippi, North Carolina, and Texas, with even more states coming soon.

WHY

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.

HOW

Ready 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!

For questions about HOMES, email us at homes@asperains.com, or give us a call at (804) 774-2119.

We make the hard-to-insure easy to please.