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Ashley General Agency
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Ashley General Agency
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Homeowners/Personal Lines Insurance

Ashley General Agency (AGA) offers a robust Homeowners and Personal Lines Insurance program backed by two highly respected carriers: AIG Private Client Group and Lexington Insurance Company. This program is ideal for agents and brokers in Texas looking to place coverage for affluent individuals and high-net-worth clients with complex property exposures. With access to a leading global property-casualty carrier that services over 70 million personal lines clients worldwide, AGA delivers sophisticated solutions backed by financial strength, deep claims expertise, and comprehensive personal lines offerings.

Ideal Accounts and Appetite

This program is tailored to meet the needs of successful individuals and families with valuable assets. It is especially well-suited for:
  • High-value homeowners with properties valued at $250,000 and above
  • Clients with multiple residences, including seasonal and secondary homes
  • Collectors of fine art, jewelry, and other high-value personal collections
  • Owners of personal yachts or watercraft
  • Clients requiring personal excess liability or excess flood coverage
You might have a client with a $1.2M primary residence, a vacation home on the coast, and a fine art collection—this program can help you cover all those exposures under one cohesive personal lines solution.

Coverage Highlights and Advantages

AGA’s homeowners and personal lines program provides complete protection and value-added services for discerning clients, including:
  • Concierge-level risk management services to help minimize losses and property damage
  • Guaranteed replacement cost coverage on homes
  • Surplus lines solutions for hard-to-place or non-standard risks
Whether your client needs coverage for a luxury automobile, excess personal liability, or a private collection, AGA can help structure a comprehensive package.

Underwriting Notes and Minimum Premiums

Minimum premium: $500
AGA offers both admitted and non-admitted solutions depending on the risk profile. Admitted paper is available for homes, autos, excess, collections, yachts, and excess flood through AIG Private Client Group. For harder-to-place or unique risks, non-admitted paper through Lexington Insurance Company provides flexible underwriting for:
  • Homes valued at $250,000 and above
  • Seasonal or secondary residences
  • Collections and personal excess liability
  • Excess flood coverage

Territories and Availability

This program is currently available to licensed agents and brokers in Texas. Both admitted and surplus lines solutions are accessible based on the specific risk, enabling you to match the right coverage to your client’s needs.

Why Work With Ashley General Agency

As a Managing General Agency with a focus on personal lines, Ashley General Agency brings specialized knowledge and concierge-level service to your most valued clients. With access to two premier carriers—AIG Private Client Group and Lexington Insurance Company—AGA provides solutions that go beyond standard homeowners policies. Their ability to blend admitted and non-admitted offerings gives you the flexibility to write both routine and complex accounts efficiently under one roof.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for high-net-worth clients with valuable homes, collections, multiple residences, and complex personal liability needs.

Is this program available outside of Texas?

Currently, this program is only available to agents and brokers in Texas.

What is the minimum premium for coverage?

The minimum premium for this program starts at $500, depending on the risk and coverage selected.

Can I place seasonal or secondary homes through this program?

Yes, seasonal and secondary residences are eligible, particularly through the non-admitted paper options.

Which carriers are used for this program?

The program is backed by AIG Private Client Group and Lexington Insurance Company, providing both admitted and non-admitted solutions.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A Rated
  • Commission:
    10% and Up
  • Min Premium:
    $500

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CONTACT INFORMATION

LOCATION

2040 N. Loop 336 West, 200
Conroe, TX 77304
936-585-6442
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Ashley General Agency has other insurance programs like Architects and Engineers Professional Liability Insurance.