Homeowners Insurance
Aura Risk Management delivers a personal lines homeowners solution designed to provide broad, reliable coverage with no gaps
Aura Risk Management partners with retail brokers to simplify placement for catastrophe-exposed residential risks, providing submission strategy and responsive market access. The Vave US Homeowners program offers customized pricing and coverage for well-maintained properties using an advanced, risk-specific rating methodology.
Policy Highlights:
Key Product Features
- Forms HO3, HO5, HO6, DP3
- Coverage A from $100k to $2m
- Maximum TIV: $3.6m
- High risk coastal properties accepted
- Earthquake available, including California
- All wind, wind only and ex wind options available
- Primary, secondary, tenanted & seasonal homes
- Annual policies only
Product Appetite Sweet Spot
- Properties where catastrophe is the dominant risk
- Resilient building construction and roof upkeep strongly credited
- Year built after 1994 in Florida and after 2000 elsewhere
- Coverage A between $200-800k
Coverages
- Coverage A under $100k (HO3, HO5, DP3) or $20k (HO6)
- Coverage A over $2m
- TIV over $3.6m
- Coverage B/C/D greater than 20%/80%/30% of Coverage A (HO3, HO5, DP3)
- Dwelling not insured to 100% of RCV value
Why Aura Risk?
Our goal is to make it easier for you as a broker providing a more effective way to do business, by creating simpler ways to source
insurance solutions by connecting you to insurance products through our carrier partners.
Specialized Insurance Solutions
Aura Risk is a leading wholesale distributor of specialty insurance products. Our team works with top-rated carriers, giving you access to diverse markets for tailored client solutions.
Excellence in Service
With over 100 years of combined insurance experience, our team is knowledgeable and ready to help you secure the coverage that is right for your client.
National Coverage
Many of Aura’s insurance carriers have a national reach, providing coverage to businesses throughout the United States