Now Quoting HOMES in Florida
Posted on May 18, 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 Florida 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 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 |
| Access to HOMES coverage is now available in most Florida counties, as well as in California, Colorado, Louisiana, North Carolina, and Texas, with even more states coming soon. |
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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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For questions about HOMES, email us at homes@asperains.com, or give us a call at (804) 774-2119.