---
title: "Aegis Security Insurance Company Review [Updated 2026]"
description: "Aegis Security Insurance Company focuses on manufactured homes, mobile homes, and specialty residential properties. Founded in 1977, the Pennsylvania-based insurer operates in all 50 states with Demotech A rating in 2025."
canonical: "https://www.coveragecat.com/reviews/aegis-security"
last-updated: "2026-08-13"
---

# Aegis Security Insurance Company Review [Updated 2026]

1. [Introduction to Aegis Security Insurance Company](#introduction)
2. [What Kinds of Insurance Does Aegis Offer?](#kindsofinsurance)
3. [Does Aegis Sell Homeowners Insurance?](#sellhomeowners)
4. [Does Aegis Sell Mobile and Manufactured Home Insurance?](#sellmanufactured)
5. [How Does Aegis Security Insurance Work?](#howdoesitwork)
6. [Pros and Cons of Aegis Security Insurance](#proscons)
7. [Ratings and Customer Feedback for Aegis Security Insurance](#ratings)
8. [Get Customer Support Or File A Claim For Aegis Security Insurance](#customersupport)
9. [Frequently Asked Questions](#faq)

## <a id="introduction"></a>Introduction to Aegis Security Insurance Company

Aegis Security Insurance Company has been writing habitational and other risks since 1977, specializing in coverage for manufactured homes, mobile homes, and other hard-to-place residential properties. The company operates from its headquarters at 4431 N. Front St., Suite 100 in Harrisburg, Pennsylvania.

Aegis Security Insurance Company holds an 'A' rating from Demotech and is licensed in all 50 states and the District of Columbia. The insurer operates as a specialty carrier focused on underserved markets, particularly older and lower-valued homes that traditional insurers often decline to cover. [(Demotech, "Demotech Assigns Financial Stability Rating® to Aegis Security Insurance Company", 2021)](https://www.demotech.com/fsr_notifications/fsrnotification33898/)

Patrick Kilkenny serves as Chairman of the Board and Majority Owner, bringing 40 years of experience in the insurance profession, and also holds other insurance interests including Seaview Insurance Company and Triton General Insurance Agency. K2 Insurance Services acquired Aegis Security in 2013, though as part of a 2019 transaction, Aegis Security Insurance Co. was spun off and remains under the ownership of Endeavour Capital and Patrick Kilkenny. [(BBB, "Aegis Security Insurance Company BBB Business Profile", 2026)](https://www.bbb.org/us/pa/harrisburg/profile/insurance-services-office/aegis-security-insurance-company-0241-70005399)

According to regulatory filings, LD Investments LLC has been identified as the ultimate parent company, representing the topmost entity of Aegis's corporate structure.

## <a id="kindsofinsurance"></a>What Kinds of Insurance Does Aegis Offer?

Aegis Security Insurance Company provides several specialty insurance products through its general agency, Aegis General Insurance Agency. Aegis Security specializes in residential property insurance, specialized low-value dwellings, and motorcycles, and also underwrites surety bonds and other niche lines of insurance, including accident and health.

The company's product portfolio includes:

- **Manufactured and mobile home insurance** (single-wide, double-wide, modular units)
- **Low-value dwelling insurance** for properties in rural areas
- **Traditional homeowners insurance** (select markets)
- **Condo and townhouse insurance**
- **Rental property and landlord insurance**
- **Vacant structure insurance**
- **Seasonal and vacation rental property insurance**
- **Motorcycle insurance**
- **Travel trailer insurance**
- **Personal auto insurance** (select states, primarily Arizona)
- **Surety bonds**
- **Accident and health insurance**

Aegis General Insurance Agency is a leader in residential property insurance with more than $10 billion worth of homes and private property insured nationally, focusing primarily on providing comprehensive insurance coverage options to owners of mobile homes, manufactured homes, park model homes, tiny homes, and modular homes.

## <a id="sellhomeowners"></a>Does Aegis Sell Homeowners Insurance?

Yes, Aegis Security Insurance Company sells homeowners insurance, though with a focus on specialty and hard-to-place risks. Aegis General offers an Affordable Homeowners product that protects the property and assets of clients who may not secure coverage through standard markets. The company's product is designed for risks that may have sustained one or two minor losses or have a property with an aging roof, and it may also benefit homeowners who have a dog breed that would otherwise deem the entire risk ineligible. Aegis General offers special limitations or exclusions to reduce these exposures while maintaining a homeowner's eligibility for coverage. [(Texas Department of Insurance, "Windstorm coverage for home and residential property", 2026)](https://www.tdi.texas.gov/company/windstorm-insurance-companies-residential.html)

The policies offer coverage for 11 named perils including fire or lightning, windstorm, and hail. Customers can purchase enhanced broad coverage for additional perils including falling objects, weight of ice and snow, discharge of water, and more. According to recent product information, the homeowners product includes many options and discounts, including companion auto insurance policy and green coverage packages. [(MyNewMarkets, "Homeowners (HO-3/5) from Aegis General Insurance Agency", 2026)](https://www.mynewmarkets.com/listings/c63f6j)

National Mobile Home Insurance offers customers Aegis insurance in the following states: Alabama, Arkansas, Arizona, Colorado, Georgia, Indiana, Kansas, Kentucky, Maine, Michigan, Missouri, Mississippi, North Dakota, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, and Washington.

## <a id="sellmanufactured"></a>Does Aegis Sell Mobile and Manufactured Home Insurance?

Yes, manufactured and mobile home insurance represents Aegis Security Insurance Company's core specialty. Aegis General specializes in writing insurance for manufactured homes, including single-wide, double-wide, and modular units. The company focuses primarily on underserved manufactured homes markets, specifically older and lower-valued homes. The program can be tailored to meet the needs of newer manufactured homes risks by providing enhanced coverage options for qualifying risks.

What distinguishes the program from others in the marketplace is that Aegis General provides coverage to protect customers from perils common to manufactured homes, offering customers an insurance policy and not a maintenance policy. As such, customers will not find unnecessary and cost-prohibitive add-on coverages in an insurance policy from Aegis General.

Aegis provides coverage options for all mobile and manufactured home occupancy types, including primary, seasonal, vacant, landlord, vacation rental, and tenant. Customers can modify their policies by selecting from a broad range of coverages and deductibles that meet their needs. Some of the optional coverages available include replacement-cost coverage for personal property and dwellings (available for most mobile and manufactured homes), inservant/outservant coverage for domestic employees, golf cart coverage, earthquake coverage, and flood coverage. Aegis offers its customers various payment options and ways to save, including a multiple-policy discount with the addition of auto insurance and loyalty discounts.

## <a id="howdoesitwork"></a>How Does Aegis Security Insurance Work?

Aegis Security Insurance Company operates through a network of independent insurance agents and brokers rather than selling directly to consumers. The company functions as both an insurance carrier (Aegis Security Insurance Company) and through its program administrator (Aegis General Insurance Agency).

**Quote and Purchase Process:**

Aegis has launched a web-based rating platform designed to provide producers instant quote turnarounds and real-time policy issuance. Customers cannot obtain quotes directly from Aegis; instead, they must work with an appointed independent insurance agent who has access to Aegis products.

To obtain coverage through Aegis:
1. Contact an independent insurance agent licensed to sell Aegis products
2. Provide information about your property (type, age, location, condition)
3. Receive a quote from your agent, typically within 24 hours
4. Review coverage options and customize your policy
5. Bind coverage and receive your policy documents

**Claims Handling:**

The expanded claims operation allows K2 Claims to handle claims nationally for all Aegis product lines, including property, auto, personal liability, general liability, and workers compensation. This is led by a claims team with decades of insurance claims experience. The Chief Claims Officer, with over 35 years of claims experience, is active on industry and regulatory insurance claims advisory boards. [(Aegis General Insurance Agency, "About AEGIS General Insurance", 2025)](https://aegiseasy.com/about-aegis/)

Today the claims team has a full-time complement of employees that operate out of regional offices spread across 13 states, supported by field adjusters and a network of over 5,000 contracted adjusters. That means if a client suffers a loss, team members nearby are ready to help. Regardless of which carrier partner business is placed with, clients will always receive claims service and support.

Aegis General provides claim service no matter the size or type of loss. In addition to day-to-day claims handling, the company has built a dedicated mobile catastrophe claims team that responds to events immediately, in some cases before the catastrophe is over. Aegis General's mobile catastrophe claims team uses licensed adjusters and appraisers who can issue payments on the scene, with authority to settle claims in the fastest, most efficient way possible.

For Arizona auto policies, Aegis directs claims to Aegis Covercube Claims at 1-623-444-5068. [(Aegis Security Insurance Company, "Arizona Personal Auto Claims", 2026)](https://www.aegisinsco.com/az-personal-auto-claims)

## <a id="proscons"></a>Pros and Cons of Aegis Security Insurance

| Pros | Cons |
|------|------|
| Holds Demotech 'A' (Exceptional) Financial Stability Rating | Mixed customer reviews on claims processing speed |
| Specializes in hard-to-place manufactured and mobile homes | Not available for direct purchase (must use independent agents) |
| Available in all 50 states and Washington, D.C. | Some complaints about customer service responsiveness |
| Covers older and lower-valued properties other insurers decline | Reports of disputes over actual cash value vs. replacement cost payments |
| Dedicated catastrophe response team with on-site adjusters | Limited online self-service options for policyholders |
| Offers flexible payment options including monthly billing | Withdrew from AM Best rating participation in 2023 |
| Network of 5,000+ contracted adjusters across 13 states | Exited commercial auto space in late 2023 |

## <a id="ratings"></a>Ratings and Customer Feedback for Aegis Security Insurance

### Financial Ratings

| Rating Agency | Rating | Date | Notes |
|---------------|--------|------|-------|
| **Demotech** | A (Exceptional) | Affirmed 12/17/2025 | [(Demotech, "AEGIS SECURITY INSURANCE COMPANY", 2026)](https://www.demotech.com/company/33898/) |
| **AM Best** | B++ (Good) | Withdrawn 2/7/2023 | [(Business Wire, "AM Best Withdraws Credit Ratings of Aegis Security Insurance Company", 2023)](https://www.businesswire.com/news/home/20230207006167/en/AM-Best-Withdraws-Credit-Ratings-of-Aegis-Security-Insurance-Company) - Company requested to no longer participate in interactive rating process |
| **Better Business Bureau** | A+ | Current | [(BBB, "Aegis Security Insurance Company", 2026)](https://www.bbb.org/us/pa/harrisburg/profile/insurance-services-office/aegis-security-insurance-company-0241-70005399) - Not BBB Accredited |

In October 2022, AM Best affirmed the Financial Strength Rating (FSR) of B++ (Good) and the Long-Term Issuer Credit Rating (Long-Term ICR) of "bbb+" (Good) of Aegis Security Insurance Company. The outlook assigned to the FSR was stable, while the outlook assigned to the Long-Term ICR was negative. [(Insurance Journal, "AM Best Lifts Negative Review Status, Affirms Credit Ratings of Aegis Security", 2022)](https://www.insurancejournal.com/news/east/2022/10/06/688669.htm)

However, in February 2023, AM Best downgraded the Long-Term Issuer Credit Rating to "bbb" (Good) from "bbb+" (Good) and affirmed the Financial Strength Rating of B++ (Good). The outlook of the FSR was revised to negative from stable, while the outlook of the Long-Term ICR remained negative. [(AM Best, "AM Best Withdraws Credit Ratings of Aegis Security Insurance Company", 2023)](https://news.ambest.com/PR/PressContent.aspx?altsrc=2&refnum=33022) AM Best withdrew these Credit Ratings as the company requested to no longer participate in AM Best's interactive rating process. The downgrade reflected combined ratios above break-even for several consecutive years with net underwriting losses totaling more than $30 million from 2017 to 2021, impacted by weather-related issues and increased frequency and severity in commercial auto.

### Customer Reviews Summary

| Source | Avg. Rating & Count | Representative Quote | Takeaway |
|--------|---------------------|----------------------|----------|
| **Clearsurance** | 3.40 ★ (58 reviews) | "This company is pretty good about working with you and your insurance premiums." | Flexible billing praised, mixed claims experience |
| **Yelp** | 2.0 ★ (5 reviews) | "The policies may be a little cheaper; but when it comes time to file a claim...the policies aren't worth the paper they are written on!" | Negative claims experiences |
| **Better Business Bureau** | 1-5 ★ (varied) | "I had a house fire... They still have my claim in review and they will not pick up the phone." | Concerns about claims response time and communication |

According to Clearsurance data, customer feedback breaks down to 44.83% Excellent, 25.86% Great, 8.62% Good, 3.45% Fair, and 17.24% Poor ratings. Positive feedback highlights flexible monthly payment options and phone customer service, while negative reviews focus on claims processing delays and communication challenges.

### Coverage Availability by State

| Product Line | States Available |
|--------------|------------------|
| Homeowners Insurance | 44 states |
| Motorcycle Insurance | 50 states and District of Columbia |
| Mobile/Manufactured Home Insurance | 25 states (AL, AR, AZ, CO, GA, IN, KS, KY, ME, MI, MO, MS, ND, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, WA) |
| Personal Auto Insurance | Select states (primarily Arizona) |

### Real Customer Reviews for Aegis Security Insurance

<div class="grid customer-review">
  <div class="column">
    <p>1 ★</p>
    <p><b>Anonymous, 2021</b></p>
    <p><a href="https://www.bbb.org/us/pa/harrisburg/profile/insurance-services-office/aegis-security-insurance-company-0241-70005399/complaints"><span class="text-muted">via Better Business Bureau</span></a></p>
  </div>
  <div class="column">
    <p>Cancelled before policy came into effect. Paid $670. They told me i would have to wait almost a month to get refund!!!! Ridiculous!!!!! Said it would be on my card Nov 22. It wasn't!!! Called. Supervisor Mary said someone paused my refund which she said shouldn't have happened. Told me it would be on my card the 23rd.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>1 ★</p>
    <p><b>Anonymous, 2021</b></p>
    <p><a href="https://www.bbb.org/us/pa/harrisburg/profile/insurance-services-office/aegis-security-insurance-company-0241-70005399/complaints"><span class="text-muted">via Better Business Bureau</span></a></p>
  </div>
  <div class="column">
    <p>Stay Away, I pay a premium for replacement cost value but the way aegis works is they pay actual cash value which takes depreciation into account and they will only pay the actual cash value at first, then once you've already been drained financially because you're obviously going through something if you're having to file a claim, they expect you to come out of pocket for repairs. Then if you follow all of the fine print and get everything just right then they'll pay out the difference and of course the deductible also comes out. The independent adjuster was good in my opinion however he forgot to put one of the items we needed replaced on his report, but due to aegis NEVER and I mean never answering the phone I will just eat the friggin loss at this point. When they actually do answer the phone, and you have questions and a hard time understanding the lawyer lingo in the policy, they of course get short and rude.</p>
  </div>
</div>

## <a id="customersupport"></a>Get Customer Support Or File A Claim For Aegis Security Insurance

### Claims Reporting

If you need to report a claim, call directly at (800) 233-2160 or email at claimsq@aegisfirst.com.

Your agent's telephone number is on your Declarations Page of your insurance policy. For Texas Residential Homeowners claims, you can also call the claims department directly at the number above. For Arizona personal auto claims, contact Aegis Covercube Claims at (623) 444-5068.

### Customer Service Contact

**General Phone:** (800) 233-2160  
**Local Phone:** (717) 657-9671  
**Email:** info@aegisfirst.com

**Mailing Address:**  
Aegis Security Insurance Company  
4431 N. Front St., Suite 100  
Harrisburg, PA 17106

**Customer Portal:** Aegis offers online account access where policyholders can make payments and access policy documents at prod.aegisinsurance.com.

For general inquiries only, contact Aegis directly. For underwriting, payments, quotes, declarations, ID cards, and claims assistance, work with your appointed independent insurance agent.

## <a id="faq"></a>Frequently Asked Questions

### Is Aegis Security Insurance Company a Real Insurance Company?

Yes, Aegis Security Insurance Company is an 'A' rated insurer by Demotech and is licensed in all 50 states and the District of Columbia. The company started business on 5/25/1977 and was incorporated on 5/25/1977 as a Corporation. Aegis Security Insurance Company is a legitimate admitted insurance carrier specializing in manufactured homes and specialty residential properties. The company has been in business for 48 years as of 2025 and maintains an A+ rating from the Better Business Bureau.

### How Does Aegis Security Insurance Company Make Money?

Aegis generates revenue through insurance premiums collected from policyholders. As an insurance carrier, Aegis underwrites policies and assumes the financial risk of covered claims. The company operates through independent insurance agents who receive commissions for selling Aegis products. In 2011, Pat Kilkenny launched K2 Insurance Services with longtime colleagues and industry partners. With their hybrid insurance company and distribution model, K2 built and acquired a portfolio of specialty underwriting operations which by the end of 2018 wrote over $400 million of premium. K2 was acquired by private equity investors in July 2019.

### Is Aegis Security Insurance Worth the Price?

For homeowners with manufactured homes, mobile homes, or hard-to-place properties, Aegis may offer competitive pricing and access to coverage when other insurers decline. Customer reviews indicate that the company is "pretty good about working with you and your insurance premiums," allowing customers to "break it up monthly if that is the best way," with "great customer service on the phone." However, some customers report challenges with claims processing and communication, particularly regarding actual cash value versus replacement cost payment disputes.

The value depends on your specific situation. Aegis serves a niche market—if you own an older manufactured home or a property that traditional carriers won't insure, Aegis provides access to necessary coverage. Always compare quotes from multiple insurers and work with an independent agent to find the best coverage and price for your needs.

### Does Aegis Security Insurance Sell Auto Insurance?

Aegis Security Insurance Company offers limited auto insurance products, primarily in Arizona. The company specializes in residential property insurance, specialized low-value dwellings, and motorcycles. Motorcycle insurance is available nationwide through Aegis, but standard personal auto insurance is not a primary product line for the company. The company exited the commercial auto space in late 2023.

### What States Does Aegis Security Insurance Operate In?

Aegis Security Insurance Company is licensed in all 50 states and the District of Columbia. However, product availability varies by state. According to Clearsurance data, the company sells homeowners insurance in 44 states and motorcycle insurance in 50 states and D.C. National Mobile Home Insurance offers customers Aegis insurance in the following states: Alabama, Arkansas, Arizona, Colorado, Georgia, Indiana, Kansas, Kentucky, Maine, Michigan, Missouri, Mississippi, North Dakota, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, and Washington.

### Should I Buy Aegis Security Insurance?

Consider Aegis Security Insurance Company if you:

- Own a manufactured home, mobile home, or modular home
- Have an older or lower-valued property that traditional insurers decline
- Need coverage for a property with characteristics that make it hard to insure (aging roof, certain dog breeds, minor claim history)
- Live in a rural area with limited insurance options
- Want flexible payment options including monthly billing
- Need access to a nationwide claims network with regional offices and on-site adjusters

However, be aware of customer concerns about claims processing speed and customer service responsiveness. Work with an independent insurance agent to compare Aegis with other available options and ensure you understand your policy's actual cash value versus replacement cost provisions before purchasing. Given the mixed customer reviews, particularly regarding claims handling, review your policy carefully, understand the claims process, and maintain open communication with your insurance agent throughout the policy term. The company's withdrawal from AM Best's rating process in 2023 following a downgrade may also warrant consideration, though its Demotech 'A' rating remains affirmed as of December 2025.