Homeowners E&S (HOMES)

At Aspera, we know homes are more than just walls and a roof, they’re where memories are made—and they deserve protection even when homeowners insurance is hard to find. For more than a decade, we’ve been finding coverage for hard-to-insure manufactured homes along the Gulf and Atlantic Coasts. Now we’re bringing that same creativity, skill, and industry expertise to Homeowners E&S, or as we call it, HOMES.

While many standard home insurance providers have been canceling or non-renewing homeowners policies, especially in areas prone to severe weather, Aspera does things a little differently. We access excess and surplus (E&S) homeowners insurance policies.

E&S insurance is a specialty market that helps people and businesses find coverage when issues like high-risk locations, losses, or even unique building materials, prevent them from finding coverage in the “admitted” market. E&S carriers are not required to follow the same state regulations as their admitted counterparts, so they are able to offer greater underwriting flexibility.

Our access to HOMES allows us to say “yes,” even when other carriers say “no.”

From hard-to-place risks like short-term rentals to high-risk venues like coastal regions or wildfire-exposed locations, Aspera’s dedicated team builds customized solutions to fit your home, your needs, and your lifestyle.

HOMES can be accessed in:

• California
• Colorado
• Louisiana
• Texas

Contact your agent today to see how we can find the homeowners solutions you need to protect what you love.

Target Classes

• Standalone, single-family homes
• Primary or seasonal owner-occupied
• Short- or long-term rentals

Ineligible Classes

• Vacant properties
• Commercial occupancies
• Properties with existing damage

Policy Structure

• Homeowners policy special form & endorsements

Policy Types

• Preferred: All perils

Deductible Offerings

• Wind & Hail: 2%, 3%, 5%, or 10%
• Wildfire: 2%, 3%, 5%, 7.5%, or 10%
• All other perils: $500, $1,000, $2,500, or $5,000, $7,500, $10,000, or $25,000

Coverage Options

• Coverage A – Dwelling – up to $1M available
• Coverage B – Other structures
• Coverage C – Contents (personal property)
• Coverage D – Additional living expenses
• Coverage E – Personal liability – up to $300,000 available
• Coverage F – Medical payments – up to $2,500 available
• Fire department emergency service charge – up to $250
• Emergency removal – up to $750
• Trees, shrubs, plants, & lawns
• Debris removal
• Antennas, satellite dishes, & solar panels – up to $100
• Mold, fungi, bacteria, & wet or dry rot – up to $5,000
• Reasonable repairs

Dwelling & Other Structures Settlement Methods

• Total loss payment equal to amount of insurance subject to policy provisions
• Replacement cost value settlement on coverages A and C
• All other coverages settle at actual cash value