Protect your home with customized homeowners insurance. Comprehensive coverage designed for your property and surrounding area.
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Custom Homeowners Coverage for Your Property
Your home is likely your largest financial investment. Homes face unique risks—extreme heat, severe weather, and liability concerns. Aegis Insurance Group provides homeowners insurance tailored to local climates, property types, and neighborhood considerations.
50
+
Years Experience
Whether you own a modest home, luxury property, or investment real estate, we build coverage that protects your biggest asset while fitting your budget and risk profile.
What Does Home Insurance Protect?
Dwelling Coverage
Your home’s structure and protection.
Dwelling coverage protects the physical structure of your home—walls, roof, foundation, built-in fixtures, and attached structures like garages. This includes protection against:
- Fire and smoke damage
- Wind and hail damage
- Lightning damage
- Theft and vandalism
We ensure your coverage amount reflects the actual rebuild cost, accounting for local construction costs and labor rates.
Personal Belongings Coverage
Your possessions matter too.
All the items inside your home — furniture, electronics, clothing, jewelry — deserve protection. Personal belongings coverage protects against:
- Theft
- Fire and smoke
- Weather damage
- Vandalism
Standard policies usually cover a portion of your dwelling coverage limit. If you own high-value items, we can adjust this amount to provide additional protection.
Liability Protection
Protect yourself against guest injuries and accidents.
If someone is injured at your home, or if you accidentally damage someone else’s property, liability coverage protects you. It covers:
- Medical expenses for injured guests
- Legal defense costs
- Damages awarded by courts
- Property damage you accidentally caused
Homeowners should maintain sufficient liability coverage. We generally suggest choosing a robust level of protection, with the option to increase limits for added peace of mind.
Additional Living Expenses (ALE)
Stay secure during home repairs.
If a covered loss makes your home uninhabitable, ALE covers temporary housing, meals, and other living expenses while repairs are completed. This protection is especially valuable if your air conditioning or other essential systems are damaged.
- Medical Payments Coverage – Medical costs for guest injuries.
Even if you’re not found legally liable, medical payments coverage can pay for minor injuries to guests on your property — helping avoid potential lawsuits
Homeowners Coverage for Different Properties
Rental Properties
Investment properties require different coverage than owner-occupied homes. Landlord policies protect:
– Building structure
– Liability for tenant injuries
– Loss of rent if the property becomes uninhabitable
Second Homes & Vacation Properties
Vacation homes need specialized coverage. Standard homeowners policies sometimes have limits for vacant properties.
Historic Homes
Older homes have unique characteristics — construction materials, architectural features, updated systems. We ensure adequate coverage for rebuild costs specific to your property type.
Bundling Saves Money
Combining your home insurance with auto, life, or business coverage through Aegis Insurance Group often provides meaningful savings. Bundling multiple policies generally leads to even greater discounts and overall cost efficiency.
