SUG offers two Homeowners programs, for American Modern Insurance Group and Aegis Security Insurance Company.

Our targeted market segments include either owner-occupied or seasonally occupied homes that are not desirable to standard insurers because of age, condition, losses or other underwriting criteria. We can insure lower valued homes, especially older homes where the replacement cost is far in excess of the actual cash value. Most of the homes for which we offer coverage are insured on an actual cash value basis, but we can also offer replacement cost coverage or repair cost valuations, in most states.

Our Homeowners forms are intended to insure many risks that are not generally acceptable or desirable to standard markets, but, when appropriate, we can also offer dwelling fire coverage for owner or seasonal occupancies.

 All of our offered programs are admitted and direct bill. They offer pay plans and accept credit card payment. All also offer online rating and most offer online upload of applications.

Our intention is to provide you with a comprehensive product offering that will provide a market for most reasonable properties and provide you with all of the tools to quickly quote and issue business and service your customers.

If you would like a quote, please download the quote sheet from the home page and send to us and we will return a quote.

Offers a very flexible specialty homeowners program. The unendorsed policy form offers basic coverage. It may be endorsed to add additional perils, as well as theft, earthquake, water backup and personal property replacement cost coverages, among others.

Property values as low as $40,000 may be insured and as many as three claims may be considered. Actual Cash Value, Replacement Cost and Full Repair Cost property valuations are available.

Program is admitted and direct bill, offering many billing options, including credit card payment and mortgagee bill. We currently offer this program in Ohio, Indiana, Kentucky and Illinois.

Online Rating is available, as well as new application upload.

AMIG modernLINK Online System for Rating and Issue (login + password necessary)

If you would like an immediate quote, please submit our quote form.

Aegis also offers a Homeowners program for homes that do not fit a standard market. Their sweet spot is in lower-valued homes, where basic coverage is desired. Few optional coverage-enhancing endorsements are available. Qualifying homes are offered very competitive pricing.

Property values from $40,000 - $125,000 may be insured and as many as two claims may be considered. Actual Cash Value  property valuation is available.

Program is admitted and direct bill, offering many billing options, including credit card payment and mortgagee bill, for renewals.we currently offer this program in Indiana, Illinois, Kentucky and West Virginia.

Online Rating is available, as well as new application upload.

Aegis First Online System for Rating and Issue (login + password necessary)

if you would like an immediate quote, please submit our quote request form.