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 coverage 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, and now we’re bringing that same creativity, skill, and industry expertise to single-family homeowners’ insurance.

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.

Contact your agent today to see how we can find the 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%
• 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 – 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 service coverage
• Emergency removal coverage
• Trees, shrubs, plants, and lawns
• Debris removal
• Antennas & satellite dishes

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