Personal Lines 

WIAA agents have direct access and binding authority with Aegis. Please email for a unique log in. 

NOTE: Agents are responsible for emailing WIAA a copy of the signed application along with supporting documents within 24-48 hours of issuance. Failure to do so may result in no commission being paid.

For Underwriting, please call Aegis at: 844-207-4339. For Claims, please call Aegis at: 800-233-2160.

Products available: HO3, HO4, HO5, HO6, DP-1, DP3, Earthquake and Motorcycle

HO3 and HO5

  • Homes built 1900 or newer
  • Instant wildfire hazard scores (assures acceptability)
  • Dwelling values up to $1,000,000
  • Up to 25% Extended Replacement Cost included (up to 50% available)
  • $100,000 Personal Liability & $50,000 Animal Liability coverage included
  • Green coverage & bundled coverage packages available
  • Open Perils HO-5 endorsement available for Personal Property
  • Numerous other discounts available, including newly acquired home, auto insurance and loyalty credits
  • Scheduled Personal Property available by endorsement
  • Up to 2 prior losses in the past 36 months accepted


DP1 and DP3

  • All occupancies –primary, seasonal, vacant (DP-1), vacation rental or tenant
  • Business, Corporation or LLC as Named Insured allowed
  • Dwelling values up to $750,000 (DP-1) and $1,000,000 (DP-3)
  • Dwelling Replacement Cost Value (DP-3) or ACV (DP-1) policies available
  • Single family, duplex, triplex and fourplexall accepted
  • Personal Liability, Personal Injury, Animal Liability and Medical can be added
  • Numerous discounts available, including multi-policy and loyalty credits


HO4 and HO6

  • Personal Property is the primary coverage with limits available from $5,000 up to $250,000 (HO-4) or up to $300,000 (HO-6)
  • Vacation Rental (including Home Sharing), Seasonal & Tenant Occupancy available (HO-6)
  • $100,000 Personal Liability included
  • $50,000 Animal Liability included
  • Water Backup Coverage up to $5,000 (HO-6)
  • Loss Assessment Coverage up to $25,000 (HO-6)
  • Deductible options from $500 to $10,000
  • Many discounts available including auto insurance, multi-policy, burglary/fire alarms, and loyalty credits


Earthquake (stand-alone)

  • Deductibles from 5% to 25% offered for both Basic and Comprehensive policies
  • Comprehensive Protection includes $25,000 in swimming pool coverage and up to $100,000 Loss of Use limits
  • Dwelling values up to $1,000,000
  • Dwellings built in 1900 or newer with 1 to 4 units (manufactured/mobile homes and condos are unacceptable)
  • Counts toward a multi-policy discount on your Aegis home, dwelling fire, condo, renter or motorcycle policy



  • No motorcycle license required
  • Multiple violations acceptable (Majors, Minors and/or Accidents)
  • Roadside Assistance and Trip Interruption coverage available
  • Any valid U.S. driver’s license is accepted
  • SR22 available
  • Accessory coverage available up to $5,000
  • Unacceptable bikes: special construction, homemade, go-cart, dune buggy, tractor, not produced by an Original Equipment Manufacturer, turbo, super charged, or performance modified

Posted in: Carrier Guides